Thread: LLoyds /Moorcroft chasing debt with no records

I had an overdraft a number of years ago with Lloyds which I had been paying blindly for over ten years which was made up of charges interest etc. then challanged the debt with Sechari Clark and Mitchell who had taken over the account, and with some help from this site was able to get them to admit they could not comply with the CCA request or SAR request as no documentation for the alledged debt exsisted, this was quite a few months ago and since then I have not heard from them, then today I recieved a letter on LLoyds TSB Headed paper but with Moorcrofts address, I rang the number using 141 to keep my number private and it was answered by Moorcroft, are they allowed to use LLoyds headed paper to try and confuse consumers, also I need to send them a good response to stop them putting any more default notices on my credit account, the letter they have sent clearly states the following.
Loan provided - unavailable
loan amount - unavailable
interest rate - 0%
Term of agreement - unavailable
this is the duration if the agreement as provided in the agreement and dose not take into account anything that could vary the term, for example if you take a payment holiday or make an overpayment
Creditor - LLoyds TSB Bank
opening Ballance £3,961.00
Closing Ballance £3,961.00

this is a strange one but The original overdraft was only for £2,000 then after ten years when they were supposed to stop any further charges it has almost doubled any help or suggestions would be welcomed

Thanks in advance Dene

I am sure I have seen somewhere on one of the threads that it contrveans all collection guidelines for them to pretend to be another company by using any letterhead but thier own, I wonder if Lloyds know they are using this tactic to try and panic people, and for them to openly admit they have no details whatsoever but still try to collect money is just ludicrous they have a duty to check all required documents and information is available before they can even contact people.
Hope someone will jump in here soon to offer a bit of advice on where to go next i dont want these clowns regestering details with the credit refrence agency as that will take an age to get removed.

hello anyone available to give a little help on this

another letter from Moorcroft today offering 50% discount on the account what do we have to do to get rid of these people

hello, Moorcroft don't have any duty to check that all documents are available, they take on accounts in good faith and it is up to Lloyds to provide the documents.

If Moorcroft are unable to satisfy your request for a copy of the opening agreement, they legally have no choice but to return the account to Lloyds as they legally can not collect on the balance. You need to put your request in writing to Lloyds as Moorcroft are incapable of getting anything right, and if Lloyds are unable to provide you with the documents you request, then you need to contact their regulatory bodies as they should not be collecting this balance without proof you owe anything else.
Until they can prove you owe this balance the account should remain in dispute and therefore can not by law continue collection activity while an account remains in dispute. I would not contact Moorcroft by anything other than in writing as in my experience, they only note down selected information and usually leave out the vital information you inform them.

Hope this helps.