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rigbyp56

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  1. hi everybody. can brighthouse discuss my account with my partner. if they do are they breaching the data protection act. nothing from brighthouse is in my partners name. need advice now. rigbyp56.
  2. Hi Everybody. just an update of what is going on with BLS/LTSB. ( 9Phone Calls. And Three Threatening Lettrs.(2 BLS, 1 Ltsb.) This all Happening 14 Days Into The 28 Days I Requested In A Letter Dated 06/05/2011. I am Thinking Of Sending Them A Letter With An Income/Expenditure Form And An Offer Of Payments Of £1.00 Per Month Per Account. I Will Also Include A Letter Warning Them of There Harrassment By Phone. Am I Going Along The Right Route. I Cannot Afford Anymore Than The Above Offer. rigbyp56
  3. thanks scouserlad i wil get things rolling at the weekend. regards. rigbyp56. (on tour in liverpool.)
  4. please anyone, i need help and directions. rigbyp56
  5. Hi everybody. i am trying to help out a friend. she has three accounts with ltsb, none have any money in, she has tried to set up a payment plan, offering £1.00 per account as she is on benefits. i have sent them a letter asking for a hold on the accounts for a period of 28 days, to seek advice. i am now going to send them a personal budget sheet, and an offer of £1.00 per account per month, i have dealt with these people before, and with the help of this site i have them playing the same tune as myself. am i going about this the right way. they are charging £10.00 per day for eight days total £80.00. they set up the standing order and she was told to pay fourteen pounds per month or be charged the above amount. is this legal. she is at her wits end with these people. any help and guidance would be appreciated. total amount owed over 3 accounts is less than £1k. regards rigbyp56:-x
  6. hi FS, Just To Let you know They sent a signed cca for the cc Ah! Well. regards and thanks for your help. rigbyp56
  7. thanks FS, will let you know what happens. rigbyp56
  8. well what do you think FS? i will now put the reponse to my cca for my loan. this is interesting. Dear Rigbyp56. Thank you for your letter dated 9 February in which you state that we have been unable to supply a copy of a signed loan agreement, in line with your section 77 request of 25 January. For the avoidance of doubt, we have treated your letter as a complaint. Our records show that when our Personal Loan Service Centre complied with your section 77 request on 29 January, they explained at that point that by providing you with documents, we have satisfied our obligation to provide a copy of the executed agreement under Section 77. There is no requirement under the Consumer Credit Act to provide you with a copy of the Original signed agreement. Unfortunately we have NOT BEEN ABLE TO LOCATE A COPY OF YOUR SIGNED AGREEMENT. Nevertheless we have absolute confidence that the systems and processes that we had in place at the time your agreement was entered into meant that the loan funds would not have been advanced without the existence of a properly executed agreement. This means that we do not agree that the loan agreement between us and is unenforceable or contravenes the Consumer Credit Act 1974 or any associated regulations and in the circumstances you should continue to make payments under the agreement. Should you seek a declaration from the court that the agreement is unenforceable (which is denied) we will oppose your application and seek costs in doing so. You have referred to the OFT Debt Collection Guidelines. We can confirm that we are aware of these Guidelines and we are confident that we comply with their requirements at all times. Turning to your allegations of harassment, it is the bank's obligation as a responsible lender to advise customers as soon as reasonable that they are in arrears. The bank will give no undertaking not to contact you to ask for payment, particulary as your alleged "dispute" is unfounded. We fel that it's important that we contact customers to talk about their financial needs and that is why we may ring you outside normal office hours. Because of this we may also try to contact you again if we are unable to speak to you or we have been unable to reach an agreement. I hope i have clarified matters for you, however, if you remain unhappy you can refer your concerns to the Finacial Ombudsman Service. I have enclosed a leaflet which provides full details of the service and how you can contact the Ombudsman. If you wish to refer your complaint to the Ombudsman you must do so within six months from the date of this letter. Please treat this as our final response. Yours LTSB. Well FS what do you think, i nedd all the help i can get. regards, rigbyp56
  9. hi FS. this is what was they sent in response to my cca request on my card. Dear rigbyp56. Thank you for your letter dated 1February 2011. I am sorry for the delay in responding to your reqyest for documentation under section 78 of the Consumer Credit Act 1974. Unfortunately, we have recently received a high volume of such requests, but i can assure you that we will respond shortly to your request. Further to this, we deny that we are in breach of the unfair relationship provisions of the Consumer Credit Act1974. We do not consider that there are any circumstances during the sale of the credit card that would give rise to the existence of an unfair relationship between us. Turning to your query regarding harassment, please be advised that i have passed a copy of your correspondence to the relevant department who will repond to you under seperate cover in due course. given the contents of your letter, i am concerned that you may be obtaining advice as to your legal rights from a third party or internet web site, which is incorrect. If followed, it is entirely possible that this willcause you to breach the terms of your agreement. We are awre that until we respond, your agreement may be temporarily unenforceable. however, this only means that the Bank would be unable to enforce a court judgement to oblige you to repay your debt. It does not affect your legal obligation to make payments as required by your agreement. You should therefore continue to make payments as usual during this time. I must point out that the Office of Fair Trading (OFT) has recently issued a press release with Ray Watson, Director of the OFT's Consumer Credit Group, stating "Consumers have a right to information on debts they owe, but it is important that they realise that these sections of the Act cannot be used to write off legitimately owed debts. The OFT have also issued a reminder that even if an agreement was to become unenforceable , customers will still owe any outstanding money to the lender, interest and default charges can still be added to the loan and any failure to pay could effect their credit record. additional details about both can be found at ; http://www.oft.gov.uk/shared_oft/business_leaflets/consumer _credit/OFT1266.pdf I hope my response is acceptable to you, but if my response does not fully address your concerns, please come back to me. If we're unable to resolve any ongoing concerns you'll be able to contact the Financial Ombudsman Service for help. As long as you're happy with the way i've dealt with your complaint, there's no need for you to reply to my letter. If i have'nt heard from you within eight weeks from the date of this letter I'll close my file. yours sincerely ; LTSB
  10. hi fs. how are you. well i have had a reply to my cca request from ltsb about my card. they are still sorry that they havent been in touch but they are busy. i will put the letter up for you to read later. i wrote to them like you said about my loan, and asked them if my cca was on film like you said, heard nothing after the time limit i gave them so i put the account in dispute. today they replied. i will put this letter up later as well. regards rigbyp56.
  11. Hi FS. yes Bls Are the In House Collection Company. I have fired Off the Letters, Will Sit And Wait. Then i will Let You Know What they Have Sent me. Thanks For Your Help. rigbyp56.
  12. Hi FS, I Am Paying BLS £5, Off Each Account. Loan 17k, Card 4k, The Statement From LTSB Loan Only Goes Up To 2006, Card Nothing Sent, I Have Sent Them The Account In Dispute Letter. I Have Sent BLS A Letter Requesting The Statements For The Years They Have Been Dealing With The Debt. I Dont Know Whether They Have Put On Charges, In 2006 17644.32. In 2011 17359.04. Will Know More When BLS Get Back To Me. My Last Payment Was Earlier This Month. rigbyp56
  13. thanks FS, firstly There Is No PPI, Both Of These Accounts Have Been In The Hands Of BLS Collections, (Loyds TSB) Since 2003, When I Sent Them The CCA, One Came Back For Me To Send To Lloyds, And They Kept One, Delay Tactics I Think. Would They Tell Me Where They Kept The Original, I will Send Them The Letter You have Suggested. But What Next, If They Dont Comply. rigbyp56
  14. hi, is there nobody out there who can help me, i am on the verge, everything seems hopeless. please try and help. rigbyp56
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