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Letter of Claim

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  • Letter of Claim

    Hi first post, I have just found your site and I'm a bit worried I have made a bit of a tit of myself.

    I have been on the other well known site for over a year and the approach seems slightly different, and I couldn't find so many BC entries like here.

    I am using the 3 letter process, which I was feeling confident with, first one off no reply yet got to send a second at the end of the week.

    Deadline on the letter sent to me is this time next week or court action initiated.

    Should I have done something slightly different?
    Tags: None

  • #2
    Re: Letter of Claim

    Originally posted by dodgymicrophone View Post
    Hi first post, I have just found your site and I'm a bit worried I have made a bit of a tit of myself.

    I have been on the other well known site for over a year and the approach seems slightly different, and I couldn't find so many BC entries like here.

    I am using the 3 letter process, which I was feeling confident with, first one off no reply yet got to send a second at the end of the week.

    Deadline on the letter sent to me is this time next week or court action initiated.

    Should I have done something slightly different?
    Hi welcome to LB,

    If you can give us some history of the problem (BC= Barclaycard??) and the advice you have received so far we can advise more accurately. LB deals primarily with litigation so the approach will be different.

    nem

    Comment


    • #3
      Re: Letter of Claim

      If it is the 3 letter process promoted by "Freeman on the Land" then, yes, the approach here will be very different.

      The 3 letter process is utter tosh and won't assist you one bit in dealing with the problem.

      Comment


      • #4
        Re: Letter of Claim

        Sorry Solicitor Bryan Carter

        I have had the same letter that others are listing on here - Letter of Claim, with intention of court action and list of costs.

        The original debt is as follows Vanquis - Then various DCA - Then Lowells - Then Fredrickson and then to Bryan.

        Account taken out in 2010, default payment with Vanquis I think was mid 2013 which is when the credit reference agency has updated files to lowels default 2013 august onwards.

        - - - Updated - - -

        Get out of debt free, the letter is asking for proof and various documents/agreements. Eventually ending in an estoppel

        Comment


        • #5
          Re: Letter of Claim

          Do you know what estoppel is?

          Anyway no I wouldn't worry about sending the second letter.

          I would send BC a request for a copy of the credit agreement (CCA request letter in the library) - Vanquis 2010 it is likely they will come up with it - and also ask them for a copy of the notice of assignment from Vanquis to Lowell, and a copy of the Default notice. Remind them you will need these documents if they do proceed with court action.

          (Lowell/fred/bryan = same - Lowell will be the 'creditor' as they will have bought the debt from Vanquis for around 10% of its face value.)

          Also as it is likely they will be able to get the docs together you could use the opportunity before they find the docs to make an offer to settle full&final or by instalment over a period of a lower amount 50% maximum. Save them having to fart about with documents and court papers/fees etc. Just a thought - I don't know how much the debt is or what your circumstances are.
          Last edited by Amethyst; 1st July 2015, 10:26:AM.
          #staysafestayhome

          Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

          Received a Court Claim? Read >>>>> First Steps

          Comment


          • #6
            Re: Letter of Claim

            "Freeman on the Land"??????

            Will get you into trouble.

            - Stop digging

            Comment


            • #7
              Re: Letter of Claim

              Have to agree any FOTL approach is doomed to fail, it has been rejected in most countries of the EU and
              and totally dismissed by a Canadian judge.

              nem

              Comment

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              SHORTCUTS


              First Steps
              Check dates
              Income/Expenditure
              Acknowledge Claim
              CCA Request
              CPR 31.14 Request
              Subject Access Request Letter
              Example Defence
              Set Aside Application
              Directions Questionnaire



              If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.





              NOTE: If you receive a court claim note these dates in your calendar ...
              Acknowledge Claim - within 14 days from Service

              Defend Claim - within 28 days from Service (IF you acknowledged in time)

              If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.




              We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
              If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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