smith v llyods black horse and arrow global limited belveder

[smith]

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

carnt see nothing incorrect, dont seem to have missed anything out,shouldnt we mention the 16k loand i signed, for and 1k advanced to bank account ,unfair debt collections ,,think thats it .and thanks i know your trying to help

no default letter from black horse or good bye letters

[smith]

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

Sorry smith I need more than that from you, any thing incorrect, anything I have missed regarding the agreement. Any questions about what I have left out, Anything you don't understand. Sorry to sound abrupt but I am trying to help.

carnt see nothing incorrect, dont seem to have missed anything out,shouldnt we mention the 16k loand i signed, for and 1k advanced to bank account ,unfair debt collections ,,think thats it .and thanks i know your trying to help

[gravytrain]

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

yes thats ok

Sorry smith I need more than that from you, any thing incorrect, anything I have missed regarding the agreement. Any questions about what I have left out, Anything you don't understand. Sorry to sound abrupt but I am trying to help.

[smith]

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

OK making a start, there are many on here much more skilled at drafting deference so please, do point out ANY errors, or any improvements to the form.

Do you agree with the facts here Smith ?

The defendant denies any knowledge of making an agreement to borrow £1000 from the claimant’

The agreement supplied as being a true copy of the executed agreement under section 77 of the Consumer Credit Act appears to be a fixed sum restricted use agreement for the purchase of a car. The defendant denies ever purchasing a car and as a matter of fact neither he nor his partner can drive or possess a driving licence.

The claimant is put to strict proof that any sums were forwarded to a third party for the purchase of a car as stated in the agreement document.

Notwithstanding the above the defendant draws attention to the defects in the agreement.

The agreement is undated. The defendant therefore puts the claimant to strict proof that this agreement was properly signed at the time of the execution and before the issuance of any loan.

The agreement does not comply with the requirements of the consumer credit act 1974 in that the repayment dates are not itemized and failure to state repayment dates and details is a breach of section 61 of the act in that it is a prescribed term and renders the agreement irredeemably unenforceable via section 65 and 127(3) of the fore mentioned act.

yes thats ok

[gravytrain]

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

Next points are the DN, the SB and the assignment issues.

[gravytrain]

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

OK making a start, there are many on here much more skilled at drafting deference so please, do point out ANY errors, or any improvements to the form.

Do you agree with the facts here Smith ?

The defendant denies any knowledge of making an agreement to borrow £1000 from the claimant’

The agreement supplied as being a true copy of the executed agreement under section 77 of the Consumer Credit Act appears to be a fixed sum restricted use agreement for the purchase of a car. The defendant denies ever purchasing a car and as a matter of fact neither he nor his partner can drive or possess a driving licence.

The claimant is put to strict proof that any sums were forwarded to a third party for the purchase of a car as stated in the agreement document.

Notwithstanding the above the defendant draws attention to the defects in the agreement.

The agreement is undated. The defendant therefore puts the claimant to strict proof that this agreement was properly signed at the time of the execution and before the issuance of any loan.

The agreement does not comply with the requirements of the consumer credit act 1974 in that the repayment dates are not itemized and failure to state repayment dates and details is a breach of section 61 of the act in that it is a prescribed term and renders the agreement irredeemably unenforceable via section 65 and 127(3) of the fore mentioned act.

[smith]

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

Yes , i cannot see any other agreement over on Cag, could you put that on here also, was that for the original 16k ?

What was the date on the above letters and the above agreement ?

Can you confirm that you have never requested a loan for a car(not even the original one), and that the money advanced (the 1K)was used to pay off an overdraft in your Lloyd account. Do you have bank statements to support this ?

first letter date 19 november 2008
second letter 26 march 20013
3rd letter was printed off on 25/3/20013 time 10.36.33
agreement as no date on it or a printed of date
THE AGREENT I SCANED AS NO START DATE NOR A END DATE

I CONFIRM I NEVER RQUESTED A LOAN FOR A CAR
THE 16K LOAN WAS CONSOLIDATION LOAN
THE MONEY ADVANCED WAS USED TO PAY HALIFAX OVERDRAFT OF
THINK WAS MY ACCOUNT THE 1K WENT INTO BUT NOT 100% SURE COULD HAVE BIN WIFES ITS THAT LONG AGO

MY BMP STATRTED SEPT 2005 LEFT THEM OCTOBER 2006
LAST PAYMENT FROM MY ACCOUNT THINK IT WAS SEPT 2007
BYROM & KEELEY LOOKS LIKE THEY HAVE FOLD TRYED SOME NUMBERS AS SOME COMPANYS HAVE BOUGHT SOME OF THERE ACCOUNTS

ALL OUR DEBTS ARE STILL THE SAME BALLANCE AS THEY WAS IN 2005 DIFFRENT COLLECTER SEND LETTERS DMP THEY PAY THEM TO BE HONSEST AT 1 POINT I DIDNT KNOW WHO OWNED THE DEBT WHO WAS COLLECTING IT USED TO GET 2 TO 3 CALLS A DAY FROM COLLECTER SO I CHANGED MY NUMBER TO A DIFF XDIRECTORY AND COLLECTORS ARE STILL PHONEING LOL BE BACK ON LINE BETWEEN 9.30...AND 10 .30 TO NITE

[gravytrain]

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

I can't understand the clause that says the loan must be used for the purchase of a vehicle. This would make it restricted use, but it was not used for this purpose it was used to pay off an overdraft.

Very confusing.

[mystery1]

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

The signatures on the agreement and ppi seem very different to me ?


M1

[gravytrain]

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

Yes , i cannot see any other agreement over on Cag, could you put that on here also, was that for the original 16k ?

What was the date on the above letters and the above agreement ?

Can you confirm that you have never requested a loan for a car(not even the original one), and that the money advanced (the 1K)was used to pay off an overdraft in your Lloyd account. Do you have bank statements to support this ?

[smith]

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

OK Smith. I will have a look tomorrow.

Can you just clarify. Did you and your other half sign this agreement or is it a forgery, it is very important that you remember about this, because if you lie on a defense statement it can have serious repercussions,.




Also did you make the £1 payments itemised on the statement.

we signed the 16k agreement that i canclled dont rember signing a 1k with them
and the lady who delt with it also made us signe a blank sheet of paper
and stated it was for sample signturs

i sent them a statute barred letter by email then they sent those letters to us free of charge

i have found a some thing from black horse on pc some kind of an agreement but its a bit mudled up i could inbox that to you its got the same agreement number think that mite be the 1 i put on cag
think we could do with more info of black horse it states for a car but i dont drive think fentons sent that 1 ..letters from rockwell state i havent come to an agreement with over the debt and as for arrow i have never made them any payments see black horse is part of llyods tsb who bank with and have done for over 9 years when i canclled the payments my account was never flagged up and they never tryed to take the to pay the debt back which i found very strange

all debt collectors that sent letters we state no cca and account was in dispute they sent the account back to black horse when i was with byrom & keeley was getting letters of black horse for penaly chages at 50 a pop we farward letters to byrom keeley like they asked the account was sold when in dispute this is the first time any 1 taken us to court over the debt did not make any payments in 2008

[gravytrain]

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

OK Smith. I will have a look tomorrow.

Can you just clarify. Did you and your other half sign this agreement or is it a forgery, it is very important that you remember about this, because if you lie on a defense statement it can have serious repercussions,.

Also did you make the £1 payments itemised on the statement.

[smith]

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

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did it in the end with help from my son

[smith]

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

need help trying to up load credit agreement i get this message

Legal Beagles Message

smith, you do not have permission to access this page. This could be due to one of several reasons:

1. Your user account may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
2. If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation.

[smith]

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

need help trying to up load credit agreement i get this message

Legal Beagles Message

smith, you do not have permission to access this page. This could be due to one of several reasons:

1. Your user account may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
2. If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation.