Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I'm new to all of this so any advice would be greatly received.
I recently fell behind on some payments on a Lloyds TSB loan. After numerous attempts to get some rehabilitation from them they sent my debt to a debt collection Agent.
I made an offer for Full and final settlement which was rejected.
I then asked for a copy of my CCA as I had good enough reason to believe that TSB had applied Loan Protection when I know for a fact I didn't add it.
12 & 2 days passed and I had heard nothing.
I wrote to the Debt collection agency again informing them that they had 30 days to provide me with the CCA or the debt was unenforceable and they couldn't sell it on or contact me again until they had provided me with the CCA.
The 30 days expired on Monday and I have still had no contact from them.
(I've had a few missed calles and voice messages but no letters and I was advised NOT to speak to them other than in a letter)
I have read a few threads, some of which say that the 30 day ruling no longer applies.
I would like to know what I do next.
What happens to my credit file with regards to this account???
Please help shed some light
You should have received a default notice from the original creditor before they are supposed to mark your credit file. Did you & if so can you post it up after removing identifying details?
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TSB did send me a default notice yes but ignored any attempts I made to communicate with them. They even cancelled an appointment I had made (I also have a letter from them confirming my appointment) in Branch to go and see someone but they rang and cancelled saying they would only deal with me over the phone - via their off shore call centres.
If you send the letter in post #2 it'll put the a/c in dispute which means you can legally stop payments until they provide an enforceable CCA.
Do not deal with them on the 'phone, everything needs to be in writing. In that way it leaves a nice paper trail & they won't be able to deny anything. Besides they would never commit to paper what they will say to you on the 'phone.
If you still have the default notice can you scan it & post it up after removing identifying details? A DN has to conform to certain conditions which if it doesn't can render it defective which could prove extremely handy.
Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.
What Next? Lloyds
TSB loan. After numerous attempts to get some rehabilitation from them they sent my debt to a debt collection
settlement which was rejected.
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Re: What Next? Lloyds
