smith v llyods black horse and arrow global limited belveder

[smith]

Re: smith v llyods black horse and arrow global limited belveder

Hi Smith
The 'pleadings date' is the date the claim was issued against you. (Not the date you received it)

fingers crossed i have sent tomlin order by email with income and out goings a long with a cover note
askeing that in cover note intrest charges pppi to be removed as other creditors have done this...

thanks again Celestine

fingers crossed i have sent tomlin order by email with income and out goings a long with a cover note
askeing that in cover note intrest charges pppi to be removed as other creditors have done tihis


if they dont acept it shall i put on defence embarsed and hope the judge makes come to an agreement

thanks again Celestine

[smith]

Re: smith v llyods black horse and arrow global limited belveder

hi i have just phone esl solictors to se if they got the email they said yes they got and she said they due course told her only got till friday she said acount is on told but wouldnt do any thing with out informing me
shall i phone court and arrow global

[smith]

Re: smith v llyods black horse and arrow global limited belveder

Give it another 24hrs Smith x

got this back today
Dear

Thank you for your email in respect of the outstanding balance of £1,587.26 owed to our client Arrow Global Limited.


We note from the details supplied that your income is £1,336.26 and your out goings total to £1,274.75 and not £1,294.75. This would leave you with disposal income of £61.51.


The recent telephone conversation we had you mentioned monthly repayments of £5.00. Before we refer to our client we ask you to provide us with your offer of repayment for the outstanding balance of £1,587.26. In view of the disposal income our clients will expect a higher offer of repayment.


If you wish to make a PPI claim then please contact the original lender Black Horse Finance. This is a separate issue and would need to be taken up directly with them.


Interest and charges applied by the original lender will not be refunded. See enclosed copy statement and payment history print.

[FlamingParrot]

Re: smith v llyods black horse and arrow global limited belveder

got this back today
Dear

Thank you for your email in respect of the outstanding balance of £1,587.26 owed to our client Arrow Global Limited.

We note from the details supplied that your income is £1,336.26 and your out goings total to £1,274.75 and not £1,294.75. This would leave you with disposal income of £61.51.

The recent telephone conversation we had you mentioned monthly repayments of £5.00. Before we refer to our client we ask you to provide us with your offer of repayment for the outstanding balance of £1,587.26. In view of the disposal income our clients will expect a higher offer of repayment.

A £20 difference! So you are not supposed to have any money left for emergencies, etc. What if you need to fix your boiler, the microwave develops a fault that can electrocute you (happened to me recently!), there is a water leak and you need a plumber, etc. :confused2:

Greedy bar stewards! :rant: :rant: :rant:

[smith]

Re: smith v llyods black horse and arrow global limited belveder

hi got this today

it only had my name and adress on not my partners

advise on this please

bump for help

[smith]

Re: smith v llyods black horse and arrow global limited belveder

and i sent them tomlin order aswell


and they now i suffer from mental health problems aswell as i told the lady

[smith]

Re: smith v llyods black horse and arrow global limited belveder

MY PARTNER SHE had an overdraft of around 1k WITH HALIFAX. WE arranged a loan for 16k from lloyds.TO Consolidate OUR DEBTS Part of the overdraft was restricted use and earmarked for repaying the overdraft(1k).
WE decided that he did not want to keep the loan and cancelled under the provisions of section 68 of the act. However he was unable to reclaim the 1k, as it had already been credited to his overdraft account, he was therefore stuck with the dilemma of repaying this 1k to LLYODS ALL THIS WAS A BOUT 3.8.205 LLYODS PHONED ME UP ASKED WHY WE CANCELLED SO TOLD WE HAVE …THEN THEY SAID WHAT ABOUT THE 1K YOU HAD ADVANCE SO I TOLD THEM TO TAKE IT OUT OF MY ACCOUNT THEY TOOK TO 2 PAYMENTS OF £53
THEN WE WENT WITH A DEBT MANGMENT COMPANY CALLED BYROM & KEELY IN 0CTOBER 205 THEY WAS PAYING CREDITORS ALL WAS FINE TILL THEY WANTED MORE MONEY TO PAY DEBTS OF QUICKER WE HAVE SOME PAPER WORK OF THEM SHOWING SO IN OCTOBER 207 I LEFT BYROM & KEELEY…BUT WE HAVE PAPER WORK OF THEM SHOWING WHEN CHECKS WAS AND SENT OUT. WHEN WE WAS IN THE DMP LLOYDS PASSED THE ACCOUNT TO ROCKWELLTO COLLECT BMP WAS PAYING THEM after make a 5 token payments of a £1
Wwhen we left dmp in October 207 a CCA REQUEST WAS SENT 6 /10/ 2008 to Rockwell and never got any thing back of them SO A DISPUTE LETTER WAS SENT TO ROCKWELL AFTER THEY DEFAULTED ON CCA REQUEST NEVER HEARD FROM THEM
AGAIN TILL FENTON COOPER CAME ON THE SEEN IN SEPT 208
THEN OUT OF THE BLUE FENTON COOPER SENT ME THIS LETTER REGARDING MY CCA TO ROCKWELL
fenton cooper

we refer to your recent correspondence ,the content of which has been noted we enclose a copy of the original agreementas requested in your letter quoting section 77-79 of the consumer credit act 1974 satisfying our obligation..THE DEED OF ASSIGNMENT IS A PRIVATE AND CONFIDENTAILDOCUMENT BETWEEN THE VENDOR,PURCHESER &ANY FINANCEIRS WHO MAYBE INVOLVED IN THE SALE & CONSEQUENTLY YOU ARE NOT ENTITLED TO RECEIVE A COPY OF THE ORIGINAL DOCUMENT .YOU WERE INFORMED OF THE SALE OF THIS ACCOUNT BY MEANS OF LETTER DATED 9 TH NOVEMBER 2006 FROM ROCKWELL DEBTCOLLECTION AGENCY & VENDORS THIS COMPLIES WITH THE CURRENT UK LEGISLATION ... WE THEREFORE REQUIRE YOUR FIRM PROPOSALS FOR REPAYMENT TO BE RECEIVED BY 28 NOVEMBER 2008 IF FURTHER RECOVEY ACTION IS TO BE AVOIDED

THIS LETTER I GOT TODAY SHOWS CONCERNS 28 MARCH 2008 NOT SURE IF IT WAS FROM FENTON COOPER


THANKYOU FOR YOUR LETTER REGARDING YOUR CURRENT FINANCIAL POSITION .




HAVEING CONSIDERD YOUR INCOME AND EXPENDITURE WE WOULD SUGGEST THAT THE £580 PER MONTH ON HOUSEKEEPING APPEARS
EXCESSIVE.IN VIEW OF THIS CAN YOU PLEASE JUSTIFY THIS AMOUNT BEFORE WE CAN COMMENT ON YOUR TOKEN OFFER OF £1PER MONTH OT SURE IF THIS LETTER WAS FROM FENTON COOPER OR ROCKWELL
FENTONCOOPER THREATEND LEGAL ACTON
SO SENT THEM THIS WARNING.
THIS IS A REQUEST UNDER THE CIVIL PROCEDURE RULES.
PLEASE DO NOT IGNORE.
AND THEY BACKED OF NEVER HEARD FROM
LLOYDS NEVER TOLD US THEY SOLD THE ACCOUNT TO ARROW GLOBAL AS FAR AS WE NEW ROCKWELL WAS COLLECTING ON IT
THEN WE GOT THE COURT SUMMONS OF ELS COLE SOLICTORS
THE LEETER IN OUR POST WE NEVER SAW THEM UNTILL ELS COLE SOLICTORS SENT THEM TO US HAFTER I SENT THEM A EMAIL STATING THE ACCOUNTS STAT BARRD THEN THEY SENT THE LETTERS AFTER THEY GOT MY EMAIL
AND WHEN YOU AT THE PAYMENT HISTORY IT IS STILL THE SAME AS IT WAS IN 205 HAVE NOT TOOK PAYMENTS INTO ACCOUNT AND THEY STATE THEY BOUGHT THE ACCOUNT WITH TITLE AND DEEDS AND THEY OWN MY DATA FOR REPORTING UNDER DATA PROTECTION

I FEEL HARD DONE BY IN KNOW THERE WAS CHARGES ON ACCOUNT WHEN I TOLD THERE SOLICTOR SHE THERE WASNT ANY THEN THEY SENT THE PAYMENT HISTORY IN POST 155

[smith]

Re: smith v llyods black horse and arrow global limited belveder

bump for help

[smith]

Re: smith v llyods black horse and arrow global limited belveder

MY PARTNER SHE had an overdraft of around 1k WITH HALIFAX. WE arranged a loan for 16k from lloyds.TO Consolidate OUR DEBTS Part of the overdraft was restricted use and earmarked for repaying the overdraft(1k).
WE decided that he did not want to keep the loan and cancelled under the provisions of section 68 of the act. However he was unable to reclaim the 1k, as it had already been credited to his overdraft account, he was therefore stuck with the dilemma of repaying this 1k to LLYODS ALL THIS WAS A BOUT 3.8.205 LLYODS PHONED ME UP ASKED WHY WE CANCELLED SO TOLD WE HAVE …THEN THEY SAID WHAT ABOUT THE 1K YOU HAD ADVANCE SO I TOLD THEM TO TAKE IT OUT OF MY ACCOUNT THEY TOOK TO 2 PAYMENTS OF £53
THEN WE WENT WITH A DEBT MANGMENT COMPANY CALLED BYROM & KEELY IN 0CTOBER 205 THEY WAS PAYING CREDITORS ALL WAS FINE TILL THEY WANTED MORE MONEY TO PAY DEBTS OF QUICKER WE HAVE SOME PAPER WORK OF THEM SHOWING SO IN OCTOBER 207 I LEFT BYROM & KEELEY…BUT WE HAVE PAPER WORK OF THEM SHOWING WHEN CHECKS WAS AND SENT OUT. WHEN WE WAS IN THE DMP LLOYDS PASSED THE ACCOUNT TO ROCKWELLTO COLLECT BMP WAS PAYING THEM after make a 5 token payments of a £1
Wwhen we left dmp in October 207 a CCA REQUEST WAS SENT 6 /10/ 2008 to Rockwell and never got any thing back of them SO A DISPUTE LETTER WAS SENT TO ROCKWELL AFTER THEY DEFAULTED ON CCA REQUEST NEVER HEARD FROM THEM
AGAIN TILL FENTON COOPER CAME ON THE SEEN IN SEPT 208
THEN OUT OF THE BLUE FENTON COOPER SENT ME THIS LETTER REGARDING MY CCA TO ROCKWELL
fenton cooper

we refer to your recent correspondence ,the content of which has been noted we enclose a copy of the original agreementas requested in your letter quoting section 77-79 of the consumer credit act 1974 satisfying our obligation..THE DEED OF ASSIGNMENT IS A PRIVATE AND CONFIDENTAILDOCUMENT BETWEEN THE VENDOR,PURCHESER &ANY FINANCEIRS WHO MAYBE INVOLVED IN THE SALE & CONSEQUENTLY YOU ARE NOT ENTITLED TO RECEIVE A COPY OF THE ORIGINAL DOCUMENT .YOU WERE INFORMED OF THE SALE OF THIS ACCOUNT BY MEANS OF LETTER DATED 9 TH NOVEMBER 2006 FROM ROCKWELL DEBTCOLLECTION AGENCY & VENDORS THIS COMPLIES WITH THE CURRENT UK LEGISLATION ... WE THEREFORE REQUIRE YOUR FIRM PROPOSALS FOR REPAYMENT TO BE RECEIVED BY 28 NOVEMBER 2008 IF FURTHER RECOVEY ACTION IS TO BE AVOIDED

THIS LETTER I GOT TODAY SHOWS CONCERNS 28 MARCH 2008 NOT SURE IF IT WAS FROM FENTON COOPER


THANKYOU FOR YOUR LETTER REGARDING YOUR CURRENT FINANCIAL POSITION .




HAVEING CONSIDERD YOUR INCOME AND EXPENDITURE WE WOULD SUGGEST THAT THE £580 PER MONTH ON HOUSEKEEPING APPEARS
EXCESSIVE.IN VIEW OF THIS CAN YOU PLEASE JUSTIFY THIS AMOUNT BEFORE WE CAN COMMENT ON YOUR TOKEN OFFER OF £1PER MONTH OT SURE IF THIS LETTER WAS FROM FENTON COOPER OR ROCKWELL
FENTONCOOPER THREATEND LEGAL ACTON
SO SENT THEM THIS WARNING.
THIS IS A REQUEST UNDER THE CIVIL PROCEDURE RULES.
PLEASE DO NOT IGNORE.
AND THEY BACKED OF NEVER HEARD FROM
LLOYDS NEVER TOLD US THEY SOLD THE ACCOUNT TO ARROW GLOBAL AS FAR AS WE NEW ROCKWELL WAS COLLECTING ON IT
THEN WE GOT THE COURT SUMMONS OF ELS COLE SOLICTORS
THE LEETER IN OUR POST WE NEVER SAW THEM UNTILL ELS COLE SOLICTORS SENT THEM TO US HAFTER I SENT THEM A EMAIL STATING THE ACCOUNTS STAT BARRD THEN THEY SENT THE LETTERS AFTER THEY GOT MY EMAIL

got till friday dead line

[Celestine]

Re: smith v llyods black horse and arrow global limited belveder

Going to take a look tomorrow Smith, well done for the summary I asked for

[smith]

Re: smith v llyods black horse and arrow global limited belveder

Going to take a look tomorrow Smith, well done for the summary I asked for

just got a court summons today from a diff company

[Celestine]

Re: smith v llyods black horse and arrow global limited belveder

just got a court summons today from a diff company

Can you start a new thread on that one? Type up the wording on the claim form. Hang in there x

[Celestine]

Re: smith v llyods black horse and arrow global limited belveder

Right:
This is my honest assessment.

The situation is very complex and confusing. Therefore any Judge is going to struggle too.

PT looked at everything a little while back and thought you were on shaky territory.

He is really ill at the moment and can't help out.

I think you need to settle this. Which means negotiating.

I DONT think you are at risk of Costs in court personally. It is small claims track and a modest amount of money. Also you are the defendant.

I would honestly struggle to produce a decent defence.

I'm happy to ring your creditor for you to try an d negotiate a better settlement if that helps.

Lastly and most importantly, once the litigation is resolved, you need to recover the PPI etc from Lloyds, possibly even the charges too. Once recovered, perhaps they could be used to pay off the debt faster.

[smith]

Re: smith v llyods black horse and arrow global limited belveder

thanks i have pm you thanks

[smith]

Re: smith v llyods black horse and arrow global limited belveder

so if i dont put any thing on defence they will get there ccj straig away on friday