Urgent Advice Please BW Legal - Lowell & County Court Claim

[ditzee]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

SAR request posted registered post and used second SAR letter. Look forward to hearing from you Nem later today when someone has looked over my photocopied bank statement evidence from bwlegal :tea:

[ditzee]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Morning Nem - did you manage to liaise with your colleague regarding the bank statement's appearance? Received Court's Directions' Questionnaire today which I need to get posted by 7/9/2015. Can you please clarify how I should reply regarding section D of the questionnaire and any other helpful hints on completing the questionnaire? :bump2:

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Morning Nem - did you manage to liaise with your colleague regarding the bank statement's appearance? Received Court's Directions' Questionnaire today which I need to get posted by 7/9/2015. Can you please clarify how I should reply regarding section D of the questionnaire and any other helpful hints on completing the questionnaire? :bump2:

Yes they have some points that may help.
1. they would expect to see a Branch Header on the statement. (did you edit the other branch details out? These should be showing!
2. The statement number 2. points. 1. it's 0 if this is an annual statement it should have a positive number 1- 2-3 etc. Monthly statements would also be numbered consecutively.
Comment " this looks like a repopulated statement form not one from a standard statement run"
Question can you reconcile the transactions and dates?

nem

[ditzee]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Hi Nem

I scanned and had the document redacted by Kati as having problems with Windows 10 at the moment. The actual statement does show the branch of the bank and sort code, IBAN and BIC - whatever these are! The statement numbers are as they appear. Sorry to say I am unable to reconcile transactions and dates as I was ill at the time. :noidea:

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Hi Nem

I scanned and had the document redacted by Kati as having problems with Windows 10 at the moment. The actual statement does show the branch of the bank and sort code, IBAN and BIC - whatever these are! The statement numbers are as they appear. Sorry to say I am unable to reconcile transactions and dates as I was ill at the time. :noidea:

Ok not much to go on there!
I'll get back to you.

nem

[Berniethebolt]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Hi
As promised I have dug out my statement provided in my case by 1st Credit. It is almost identical although it covers a much longer period . It is headed statement 0 and the format is the same. It also includes interest rates. The3 only difference on mine is that it shows a closing balance of £0 which 1st Credit claim is just an accounting thing. If you want me to post up the cover page I can for you to compare, but it is in total 27 pages long

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

nem

- - - Updated - - -

The reason this statement make me suspicious is the it only covers one year and only shows
the balance now being claimed ( I think that's right, but the site is so slow I can't look back through the thread.)
A litle to convenient?

nem

[Berniethebolt]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Yes the closing amount is the amount being claimed but for 6 months the only movement on the account was fees and interest so I suspect that towards the end of that time the account was defaulted.
I am wondering if there is a specific format for the NOA or specific words that need to be used

[ditzee]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Hopefully the SAR response may help further clarify things! Any hints at completing the questionnaire from the court which needs to be replied to by 7/9/2015? :beagle:

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

NOA's can be considered generic

Debt Owner assigned debt LoPA etc on date to XXXXXXXXXXXXX. And
Or From the debt purchaser in similar form stating it now owns the debt.

Many creditors authorise the debt purchaser to send their NOA with their own.

Nothing complicated at all.

nem

[Berniethebolt]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Generic maybe but does it need to mention LPA and the fact the new owner is also the new data controller?

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Generic maybe but does it need to mention LPA and the fact the new owner is also the new data controller?

All the NOA's I've seen mention the LPoA but not all mention the DPA.

[Berniethebolt]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

I will have to show you one that doesn't then wont I, hence my question

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

I will have to show you one that doesn't then wont I, hence my question

Don't bother thanks you daft games remind me so much of someone now " inactive" here it's getting to be tedious!

[Berniethebolt]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Good grief man, I asked you a question which was do they have to say the LPA, you said no you have never seen one and I showed you one sent to me which doesn't mention it. What I was trying to find out is , is that NOA valid .

There is no need to be rude