Letter of Claim

[dodgymicrophone]

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?

[nemesis45]

Re: 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?

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

[stevemLS]

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.

[dodgymicrophone]

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

[Amethyst]

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.

[paulajayne]

Re: Letter of Claim

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

Will get you into trouble.

- Stop digging

[nemesis45]

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