Help: 3 letter bank overdraft: :Help:

by living man 01 Sun Oct 27, 2019 4:06 pm

Hi, don't no if this is in the right section? Got a overdraft from bank & now its gone & now paying back over £7 aday wtf. Can not live like this. Been reading the forums for hrs & just so confused. I would like to start, the 3 letter process to d banksters or ceo & then estoppel then dsar? Is that how it works? But been reading that overdrafts are different than cc? Any help & advice be much appreciated cheers. Thank you all.

by living man 01 Thu May 28, 2020 10:26 am

Hi all, done me 1st letter & it was signed for by the ceo wow. I was happy with that.
2nd recorded mail was refused. So i done a google earth check & got googles little man on to the street & have a look around.
The address i got from company house & it must be the ceo dwelling wow. The street was the correct address & it was just nice housers & cottagers all around.
I phoned the bank up before & asked for address for ceo, they gave me a po box.
Will a po box be ok?
Should i wait for the return of the 2nd letter & then return that to the po box?
Thanks.

by **daveiron** Thu May 28, 2020 11:58 am

Hi ,Never a PO box .As you will never get a signature. There should be a head
office address on all their letter heads & also company reg number.
If you look at 'company check' or 'companies house' websites they will list
ceo & all directors names .
Keep that record of mail being refused.

by living man 01 Mon Jun 01, 2020 1:16 pm

Thanks daveiron,
i av sent the 2nd letter to the po box & to address as well.All been signed for & delivered. Got photo copies of them.
I will still send 3rd letter to ceo home address & to the other addressers as well.
Been told about a Blue & Silver stamp? Price £5.75. This stamp on letter must be signed for from ceo home address?
Can not log into me online banking account with them now hahahaha. So hope this is gud or fingers crossed & the reset is happening.
There as been a few black-outs not far from were i live & loud sirens being heard, humans thought it was an-invasion siren hahahaha.
Sent first letter to another corporation as well.
Fingers crossed & no fear, yahman yippppeeeee.

by **Mrblue2015** Mon Jun 01, 2020 5:57 pm

(Moving to Debt section)

by flyingfish Tue Jun 02, 2020 2:19 pm

Legally if a signed for letter is refused, that counts as delivered. I guess that's because it clearly got to the correct place. Same if a card is left and no arrangement is made for redelivery.

Personally I'd suggest sending to the addresses shown on Companies House. As well as the registered address you'll find correspondence addresses for directors and for "Persons with significant control". If you've obtained private addresses for any of these then fair enough, so long as something is also sent to the company at it's registered address.

Has the account been defaulted?

by living man 01 Tue Jun 02, 2020 2:58 pm

hi flyingfish, Just done me 3rd notice & will be sent soon.
Am sending to company house address, the home of ceo hahaha. Plus the po box & there office address.
They have gave me a 30 day holiday break, so me overdraft is back to were i owe them zero. They gave me a £100 more & they took the money from that & payed them the overdraft charge what they been taking out every day hahahha.
The account is still open & not defaulted yet.
Thanks.
I do the stopel letter 30 days after the 3rd letter?

by living man 01 Wed Jun 03, 2020 6:27 pm

Hi daveiron, I have sent your new 3 letters & now looking for the estoppel letter?

https://goodf.forumotion.com/t1153-new-alternative-letters-for-original-lenders-bank-credit-cards

My 3rd letter will be sent first thing tomorrow.
The estoppel letter is 30 days from the recorded deliver been signed for?
Thanks so much & its great to take these crooks on hahahaha.

by **daveiron** Thu Jun 04, 2020 7:27 am

Check these 2 threads.

https://goodf.forumotion.com/t2510-estopple-letter-for-debt-purchasers-please-advise?highlight=estopple

https://goodf.forumotion.com/t41-the-3-letters-process

by living man 01 Thu Jun 04, 2020 8:56 am

Happy rising happy souls.
Thanks daveiron.
Thank you every 1 cheers.
Gud luck & stay strong.

by living man 01 Wed Jun 10, 2020 9:35 pm

by living man 01 Wed Jun 10, 2020 9:42 pm

Hi all. Got this back today after my 3rd letter. Its as no signature. They just getting blanked. The ceo who’s address is on company house, signed the first letter & refused the 2nd letter because no 1 lives there wth that name mmmm. But his address is still on company house. I av screen shoot.
The other bankster sent me a email after the 1st letter saying:

Your complaint has been assigned to one of our Executive Escalations Specialists, who will investigate your inquiry and issue a response as soon as possible. Please note all correspondence is dealt with in the order it is received.
So i will just carry on wth the process & send the estoppel 30 days. Am very happy & strong inside my temple whoooohoooo.
No fear. On guard hahaha. Cheers.

by **Mrblue2015** Thu Jun 11, 2020 8:09 am

Thanks for the update! Yes carry on with the process Smile

You may have noted they use the term “complaint” as they always do. At every opportunity when writing to them, make it clear “This is a DISPUTE as per the FCA regulations and NOT a complaint”.

By using this exact term it ensures the scum bags cannot wriggle out of FCA regulations which require a debt company to NOT attempt collection activities for a debt that is in DISPUTE. Amazing what happens / the consequences etc when you change ONE word...

Welcome to the power of knowledge Wink

by living man 01 Thu Jun 11, 2020 9:24 am

Hi all, been told to send a section 10 now?
Is it best to stick to d letter process?
Thanks.

by **daveiron** Thu Jun 11, 2020 12:33 pm

From what I recall ,section 10 no longer applies as its been superceded by the
GDPA, (check it out first)

by **Mrblue2015** Thu Jun 11, 2020 3:32 pm

DI is correct. Who has told you to send a section 10??

by living man 01 Thu Jun 11, 2020 3:41 pm

Hiya Mrblue2015, me m8 told me, i will let him no that the section 10 as been super-ceded by the GDPA. Thanks.
I will just stick to are protocol, if the good folk of goodf tell me to send that i will. cheers.

by **Mrblue2015** Thu Jun 11, 2020 5:08 pm

Yep stick to the GOODF protocol Smile

by **Mrblue2015** Thu Jun 11, 2020 5:12 pm

In the meantime, get a Subject Access Request sent to the Original Creditor (OC) ASAP.

A SAR helps you fight a debt as follows:

As per the 3 letter template process (found on the home page) you will see that we ask for specific documents (and true copies of these...) to EVIDENCE any alleged debt.

A SAR to the OC will provide evidence of any alleged debt (credit agreements, default notices, bank / CC / loan statements etc).

If you receive any documents from a debt purchaser that they are relying up on to evidence the alleged debt, you can then compare what they have sent with the REAL evidence you have from the SAR. If you see any contradictions etc, then that tells you the debt purchaser has NOT, in fact, evidenced an alleged debt...!

Hope that makes sense

SAR Template Letter:

(Address to the Legal Dept of the OC)

Dear Sir/Madam,

This is a data subject access data request as per the Data Protection Act, the EU GDPR and The Freedom of Information Act 2000.

Please supply any and all of the information that <bank / CC provider> holds on me:

Name:
DOB:
Address:

May I remind you that you are required to reply in full and within one calendar month.

by living man 01 Thu Jun 11, 2020 6:37 pm

cheers Mrblue, doing that now. Will get it recorded delivery & sent tomorrow.
Me send to the address from that letter above?
cheers.

by **Mrblue2015** Thu Jun 11, 2020 8:04 pm

Are you still dealing with the original creditor OR a debt purchaser? IF you’re still dealing with the original creditor (eg a bank or credit card provider) then DON’T send the SAR...

(And never send a SAR to a debt purchaser)

by living man 01 Thu Jun 11, 2020 8:45 pm

Mrblue thanks again, just wrote that out as well hahahaha.
Yes its still with the bank.
So will just leave it & then get the estoppel letter 30 days away hay?
Thanks again.

by **Mrblue2015** Thu Jun 11, 2020 9:13 pm

It’s OK, keep it - you’ll need it one day...

Yep the Estoppel is next then they’ll most likely sell on

by living man 01 Thu Jun 11, 2020 9:22 pm

Thought they take it to court?
Its me sisters address & she wonts me to change the address. Can i still get it out of me sisters address?
& get a po box address?
Or change it to my address?
Cheers

by **Mrblue2015** Thu Jun 11, 2020 10:36 pm

Sorry I’m not sure what you mean.

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