Complete name on Postal order or not.

[Kati]

Crossed or un crossed PO or doesn't it matter, payable to Lowell I presume or leave it blank?

I always thought it was better to fill in the PO (not leave it blank) as that means they cannot return it because "it's not made out to them" :confused2: - and, as [MENTION=55034]nemesis45[/MENTION] says, put "for statutory fee only" on the back as a precaution

[jon1965]

Re: Court claim received

Kati, no right or wrong but Nem has always said leave it blank. You have a lot to learn young grasshopper��

[nemesis45]

Re: Court claim received

I always thought it was better to fill in the PO (not leave it blank) as that means they cannot return it because "it's not made out to them" :confused2: - and, as @nemesis45 says, put "for statutory fee only" on the back as a precaution

I agree make it payable to Lowell no need for anything more it ID's the company properly, the reason for the endorsement is to prevent the fee being allocated to the debt, not an uncommon feature of Lowell cases.

nem

[FlamingParrot]

Re: Court claim received

I always thought it was better to fill in the PO (not leave it blank) as that means they cannot return it because "it's not made out to them" :confused2: - and, as @nemesis45 says, put "for statutory fee only" on the back as a precaution

Personally I've always left them blank for that same reason, i.e. when there's more than one party involved, who is supposed to get the £1 fee, is it the debt purchaser or the original creditor? There's been cases where the PO is returned because it was made out to one of them and the other party returned it because it wasn't made out to them.

As for crediting them to the account, if that happens you have a copy of your CCA request letter. When I sent my SARs and CCA requests I used to leave a blank space next to the paragraph that reads: "Please find attached £1/£10 [as appropriate]..." to fill in the cheque or PO number by hand before sealing the envelope containing the letter and cheque or PO at the post office. That way there was no doubt that the fee had been enclosed and that the particular cheque or PO number was intended for that purpose.

[nemesis45]

Re: Court claim received

Personally I've always left them blank for that same reason, i.e. when there's more than one party involved, who is supposed to get the £1 fee, is it the debt purchaser or the original creditor? There's been cases where the PO is returned because it was made out to one of them and the other party returned it because it wasn't made out to them.

As for crediting them to the account, if that happens you have a copy of your CCA request letter. When I sent my SARs and CCA requests I used to leave a blank space next to the paragraph that reads: "Please find attached £1/£10 [as appropriate]..." to fill in the cheque or PO number by hand before sealing the envelope containing the letter and cheque or PO at the post office. That way there was no doubt that the fee had been enclosed and that the particular cheque or PO number was intended for that purpose.

[MENTION=49370]Kati[/MENTION] is of course correct!

These unnecessary complications of simple matters do nothing more than confused, the above is just a post made for the sake of getting in on the thread.!!

nem

[Amethyst]

Re: Court claim received

Right you lot. STOP IT. I'm moving posts to lampost - go argue there, the OP here has already indicated they have problems deciphering through all the opposing views so lets leave this thread to Nem and argue about quite pointless stuff elsewhere.

DONE.

[FlamingParrot]

Re: Court claim received

@Kati is of course correct!

These unnecessary complications of simple matters do nothing more than confused, the above is just a post made for the sake of getting in on the thread.!!

nem

No, it was made for the sake of mentioning something that has been shown to work for several years, going back to 2010. There is often more than one way to skin a cat.

Please correct me if I'm wrong: isn't the purpose of a discussion forum to share experiences and ideas?

[jon1965]

Re: Complete name on Postal order or not.

One of the major reasons this is getting silly is the changing attitudes of some people. The OP asked about a CCA request, now I could have left it but gave a very neutral reply , no rights or wrongs but this is what I did. I have never argued about the for statutory use only as lets face it once processed the cheque /postal order gets destroyed, we are not all old enough to remember when cheques were returned to the sender-maybe non of us are
Kati-who should know better had to jump in to protect her little friend nem

Quite frankly nem would disagree with anything I said, If I said he was Israeli he would tell me he was Palestinian

I am getting thoroughly sick of giving opinionsw/advice for nem to have to either repeat what was said before or disagree with what I said just to get his name as the last post.

By the was the calculator you are using for claims is , so I am told incorrect as the day printed on the claim form is day 1 whereas the calculator would;d have it as day 0. I stand to be corrected , maybe worth checking out with PT

[Kati]

Re: Complete name on Postal order or not.

Kati-who should know better had to jump in to protect her little friend nem

Should know better?? How? Why? I was under the impression that opinions were expected/allowed on the forum and from the threads I've read I see no reason not to put the company's name on a PO Also ... I wasn't jumping in to protect anyone, I only voiced my opinion as everyone else seems to be doing.

[FlamingParrot]

Re: Complete name on Postal order or not.

Should know better?? How? Why? I was under the impression that opinions were expected/allowed on the forum and from the threads I've read I see no reason not to put the company's name on a PO.

I don't have a problem with filling in POs as such. In fact, you'll find that the general advice regarding POs overall is that you should fill in the payee's name because a blank PO is not much different from a banknote, anyone can go to the post office and cash it. These days POs are not used that much but if you were going to make a payment for goods purchased via a PO then you should definitely fill in the payee's name.

The idea of leaving POs blank specifically for CCA requests relates to the fact that it's not always clear who will end up cashing the PO, i.e. if you are being chased by a debt collector like Robinson Way, Rockwell, etc. you may send the CCA request to them and they'd have a duty to pass it on to the account owner, who could be either the original creditor or a debt purchaser. If you make the PO payable to, say, Rockwell, you may get it returned saying that they don't own the account and, say, MBNA can't use it, if you see what I mean. You'd then have to buy another PO and even though it's just £1, the PO charges 50p (I think that was the case at the time I last bought one but may have changed by now) on top. You'd have to re-send the whole thing and pay yet more postage, and all this time doesn't count towards the 12+2 working days.

It's less tricky with SARs because they are usually sent to the original creditor and not any third parties.

Another issue that has cropped up is that you may not make the PO payable to the right payee, for example, should it be MKDP, Compello Group or what? There have also been POs returned for that reason.

I hope that clarifies matters.

[mystery1]

Re: Complete name on Postal order or not.

I don't have a problem with filling in POs as such. In fact, you'll find that the general advice regarding POs overall is that you should fill in the payee's name because a blank PO is not much different from a banknote, anyone can go to the post office and cash it. These days POs are not used that much but if you were going to make a payment for goods purchased via a PO then you should definitely fill in the payee's name.

The idea of leaving POs blank specifically for CCA requests relates to the fact that it's not always clear who will end up cashing the PO, i.e. if you are being chased by a debt collector like Robinson Way, Rockwell, etc. you may send the CCA request to them and they'd have a duty to pass it on to the account owner, who could be either the original creditor or a debt purchaser. If you make the PO payable to, say, Rockwell, you may get it returned saying that they don't own the account and, say, MBNA can't use it, if you see what I mean. You'd then have to buy another PO and even though it's just £1, the PO charges 50p (I think that was the case at the time I last bought one but may have changed by now) on top. You'd have to re-send the whole thing and pay yet more postage, and all this time doesn't count towards the 12+2 working days.

It's less tricky with SARs because they are usually sent to the original creditor and not any third parties.

Another issue that has cropped up is that you may not make the PO payable to the right payee, for example, should it be MKDP, Compello Group or what? There have also been POs returned for that reason.

I hope that clarifies matters.

Of course if they are playing silly beggars they might return a correctly written PO then claim in court they own the debt which if an assignment is in question could be quite useful evidence.

M1