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Letter before action, PRA/Lloyds

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  • #16
    CPR31.14 for documents mentioned in the court form only at this stage » CPR 31:14 - Inspect Document Request (CCA not Sent)

    Date on court form + 33 days = 28 + 5
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #17
      Originally posted by Arthur View Post
      I did also receive documents from Lloyds from my data subject access request, still going through all of those, but one entry does make we think, a logged message from PRA requesting agreement variations and default notice. The logged reply from Lloyds is There are no agreement variations, and as previously advised we can not provide a DFN, template or details for a lloyds acc.

      So, does not being able to provide a default notice mean they dont have one? I dont recall receiving one, but I know thats not the same thing!

      I'm quoting your post #13 in which you say Lloyds admit (in their SAR response to you) that they told PRA there's no record of any Default Notice being issued/served.

      Take your time before you respond to this claim.

      Di

      Legal Disclaimer

      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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      • #18
        Originally posted by The Tech Clerk View Post
        CPR31.14 for documents mentioned in the court form only at this stage » CPR 31:14 - Inspect Document Request (CCA not Sent)

        That would not be the appropriate CPR 31.14 letter to send to the Claimant's solicitors since the OP has already sent a s77 CCA Request in August (see post #6) and Niddy has deemed the credit agreement sent in response as unenforceable (see post #10).

        A subsequent CCA Request runs the risk of the Claimant making the effort to remedy a potential legal flaw.

        Di
        Legal Disclaimer

        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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        • #19
          I have just been reading up about this claim

          You need to tread very carefully now with this because if you make a small mistake now it could make a massive difference down the line - And we certainly don't want that do we

          Before you do anything

          I would strongly recommend that you contact Diana Mayhew ( Her post is above this one). She is fantastic and extremely knowledgeable about these situations and works with our preferred solicitor company. They are really approachable and will offer free initial legal advice to forum members such as yourself. You have absolutely nothing to lose. Her email address is:
          di@joannaconnollysolicitors.co.uk

          Just drop her a quick email explaining that someone from the forum ( mention me if you wish) said it would be a good idea to contact her

          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #20
            thank you for your time and advice, Ive contacted Di directly

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            • #21
              Originally posted by Arthur View Post
              Ive contacted Di directly

              Nothing received my end yet

              Can you re-send using di@joannaconnollysolicitors.co.uk

              Di
              Legal Disclaimer

              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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              • #22
                Stuck in outbox! resent

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                • #23
                  Arthur

                  Can you just confirm that you have been in contact with Di and she has responded to you etc

                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment


                  • #24
                    Originally posted by Arthur View Post
                    Stuck in outbox! resent

                    Received (eventually!) and replied

                    Di
                    Legal Disclaimer

                    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                    Comment

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