Lloyd’s sold debt to Intrum

[Amethyst]

Okay, so def not statute barred - thought I best check now we have the actual default date.

How much is the outstanding debt approximately ?

They've provided 'Classic' terms from opening in 2002 ( which don't match the agreement which is for 'Asset' ) - and 'Generic' terms from 2010 for terms as varied. The agreement does state at the top it is a Credit Agreement "on the terms overlead and the full conditions set out in the document labelled Customer Copy" and it does also state you're applying for an Asset / Asset Gold/ Platinum card or any other card type that you .. can't read.... on the terms overleaf" In the example of Asset Gold conditions we have from 2000 the minimum payment is 3% or £5 rather than 2% or £5.

[Bomber99]

Your correct it’s not statute barred
balance at present £5018

[Bomber99]

Hi pt2537
any thoughts on Amethyst question about default notice as per posts 58 and 59

thank you for all your help, it’s much appreciated

[pt2537]

Hi pt2537
any thoughts on Amethyst question about default notice as per posts 58 and 59

thank you for all your help, it’s much appreciated

Hi sorry been on holiday with the wife n kids

Right then, the issue with the defaults was they never contained the s10A statement under the regs, thus the debtor was never given details of their rights etc, which is fundamental to the point of a default notice

[Amethyst]

Hope you had a good break Paul xxx

It is on their recon ( of course) so it'd be an argument - and if you're arguing you never had a default notice - how would you know that bit wasn't on there ? ( if i am thinking of the right bit )

C68F1EF6-C430-4ECE-A502-563AC847AE57.jpeg

[pt2537]

Hope you had a good break Paul xxx

It is on their recon ( of course) so it'd be an argument - and if you're arguing you never had a default notice - how would you know that bit wasn't on there ? ( if i am thinking of the right bit )

C68F1EF6-C430-4ECE-A502-563AC847AE57.jpeg

The law changed in 2008, the s10A notice must be included, you would know if its not there, because, it wouldnt be there, and indeed if thats the notice its NOT there

[pt2537]

The law changed in 2008, the s10A notice must be included, you would know if its not there, because, it wouldnt be there, and indeed if thats the notice its NOT there

And the case in question, Llopyds brought their template to court, silly beggars, so we know their defaults never had it because the template didnt either hahahahahahaha whoops how to be an utter donkey in one easy lessoon, just send the Court your template lol

[Amethyst]

Ahh ....

10A

A statement in the following form—

“This notice should include a copy of the current [Financial Conduct Authority] information sheet on default. This contains important information about your rights and where to go for support and advice. If it is not included, you should contact us to get one.”.

??

The DN template they've sent ( dated March 2019 weirdly ) is https://legalbeagles.info/forums/fil...tch?id=1460420 - only the first page - did they send the second page Bomber?

[Bomber99]

Hi Amethyst
sorry for late reply
Only received the page I posted on here
thanks for your help and I hope you had a great holiday PT2537

[Bomber99]

Good morning Amethyst
i have received the SAR from Lloyd’s and the default date is different to that given by their complaints manager on two occasions.
Date given in SAR is; DFN date 29/10/2009
Final demand date 24/12/2009
PT2537 has pointed out that the law was changed in 2008 for default notices and Lloyd’s failed to include s10A in theirs in 2010. Would you or he know if this failure occurred in 2009 when they state they sent me a default notice out.
your help is very much appreciated

[charitynjw]

Amethyst (Nudge nudge!)

[Amethyst]

I don't know I'm afraid - I'd expect so as the rules changed in 2008 and they didn't rectify their DN's until 2011 so it's unlikely they did it correctly in 2009 then went back to doing it incorrectly in 2010.

[Bomber99]

Thank you Amethyst for your reply
I was thinking along the same lines.
many thanks
Bomber99 x

[pt2537]

Good morning Amethyst
i have received the SAR from Lloyd’s and the default date is different to that given by their complaints manager on two occasions.
Date given in SAR is; DFN date 29/10/2009
Final demand date 24/12/2009
PT2537 has pointed out that the law was changed in 2008 for default notices and Lloyd’s failed to include s10A in theirs in 2010. Would you or he know if this failure occurred in 2009 when they state they sent me a default notice out.
your help is very much appreciated

yep it did til 2012

[Bomber99]

Hi PT2537
so they would not be able to take this to court or if they did their chances of success are zero. Am I right in thinking this way
thank you for your support and knowledge it really is appreciated
Bomber99