• Welcome to the LegalBeagles Consumer and Legal Forum.
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

3 letters for creditors

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • 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 Roach Pittis Solicitors. 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 Pt@roachpittis.co.uk .

    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

      View our Terms and Conditions

      LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

      If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


      If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.
      Working...
      X