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3 letters for creditors

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  • 3 letters for creditors

    Hi
    Are you familiar with the 3 letter process? I've recently been advised to use this with my creditor Lowell. it's a process where I ask for the deed of assignment mostly and other things I don't really understand. The thought behind it is that if they cannot produce what I have asked for, then the debt should be wiped. So if Lowel cannot produce the DOA then how do I know that they legally bought my debt? How do I know that I should now be paying them? Is this something I should be doing?
    If you aren't familiar with this process (I can only find 1 site on Facebook that promotes it) then I will provide more info.
    Many thanks.
    Tags: None

  • #2
    Originally posted by G00k View Post
    Hi
    Are you familiar with the 3 letter process? I've recently been advised to use this with my creditor Lowell. it's a process where I ask for the deed of assignment mostly and other things I don't really understand. The thought behind it is that if they cannot produce what I have asked for, then the debt should be wiped. So if Lowel cannot produce the DOA then how do I know that they legally bought my debt? How do I know that I should now be paying them? Is this something I should be doing?
    If you aren't familiar with this process (I can only find 1 site on Facebook that promotes it) then I will provide more info.
    Many thanks.
    No, simply do not do it. The letters carry as much weight and offer as much benefit as a letter which says

    Dear Sirs

    Flowers are blooming, the men from mars are landing tomorrow and my best mates a hobit

    Lots of Love

    Mr A.S.Ylum

    They dont work im afraid so dont get yourself into a problem you cannot get out of .

    I work for Wannops LLP . I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability.

    If you need to contact me please email me on Ptilley@wannops.com .

    I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.

    You can also follow my blog on consumer credit here.

    Comment


    • #3
      I would go further than PT2537 and say it might just invite a claim because they will think it is an easy win from a nutter - sorry of that sounds harsh.

      FMOTL (freeman of the land - the 3 letter process) has never as far as I know been used successfully in court but proper defences based on the consumer credit act have worked

      Comment

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