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.
If you are in contact with Lloyd's Collection center it is from my own experiences i highly suggest that recordings are made of all Telephone conversations and all details are noted.
This Department has their own ideal of how to treat persons in debit and it can get quiet disturbing.
The sad side of this is when you wish to take them to task on their own broken agreements, or you ask them to justify some off the wall statement fired at you.
Then you have no proof at all that the conversation existed as the notes are rarely accurate on their system.
keep your own records, names times and best of all recordings.
Re: ID of lloyds employees in Brighton collections
I think the Brighton Office must be in Chaos because I have started a further claim on behalf of a relative and the papers were sent to Brighton but the case is now being handled by Lloyds TSB in Charlton Place, Andover.
Once again they have proved their incompetence and ignore the monthly agreement I have set up with them and help them selves to chunks of my overdraft.
What was the point of the arrangement I've made.
Yet again another phone agreement and promise failed.
I can not believe i am the only one experiencing this.
I really would like to know how many other members are having problems with this office.
I do not bother with them i cut off all association with Lloyds talking to them is a waste of time.
They ring me evry day but i have caller display and cut them off.
Dont bother move accounts and leave them
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
I do not bother with them i cut off all association with Lloyds talking to them is a waste of time.
They ring me evry day but i have caller display and cut them off.
Dont bother move accounts and leave them
Wish i could bit have 2 accounts on reduced and an overdraft that they continue to abuse. £1700
Im off sick and have an agreement for reduced payments a month on each loan by direct debit. Even thou they send me letters saying you are on this agreement they still take £80 and £20 each month:o
So i have written to teh Chief Exec with everything the fact they wont let me have a laon contract , the DD problems and teh fact they are setting me up for fail/default.
Now I know I have sent that letter to him, I feel better as if i have to get default removed in court i have something to present to say even the Chied exec was made aware of thier under handed actions.
I actually want them to take me to court as i couldnt have been more accomodating at the start,
But im not sure how to force it along.
You would not believe some of the things these monkeys have told me!
1. The Banking Code LEGALLY REQUIRES(!) them to pass details of the disputed debt onto the reference agencies. They went very quiet when I asked them to quote which section, and when I quoted s13.6 to them.
2. They have defaulted me for a disputed debt
3. They haven't defaulted me for a disputed debt
4. They dont know if theyve defaulted me for a disputed debt
5. The debt isnt in dispute because they sent a letter to my prelim saying the matter was closed (despite the ongoing court case against them!)
I could go on all day. I have sent in an SAR for copies of all the recordings of conversations ive had. In typical Lloyds style they've completely ignored it. I will be starting a court claim for this info next week
Mindzai's Account - Partial settlement offer rejected
Joint Account - Partial settlement offer rejected
_________________________
Spreadsheet for compound contractual interest and statutory (s69) interest: Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]
PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.
I do not bother with them i cut off all association with Lloyds talking to them is a waste of time.
They ring me evry day but i have caller display and cut them off.
Dont bother move accounts and leave them
I had the same but they've been very quiet for the last few weeks since I sent them a letter quoting s40 of the Administration of Justice Act 1970. They still ring my girlfriend every day but it will be interesting to see if this stops when she sends the same letter.
Mindzai's Account - Partial settlement offer rejected
Joint Account - Partial settlement offer rejected
_________________________
Spreadsheet for compound contractual interest and statutory (s69) interest: Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]
PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.
what an awful bunch, right hand doesn 't know what left is doing and vice versa. Don't talk to each other, credit card doesn't talk to branch, branch doesn't talk to credit card, branch doesn't talk to home loans, home loans don't talk to branch or credit card, seems like not a lot of talking goes on anywhere. But their fingers seem to be working, keep taking mortgage money for credit card (my fault I suppose should have removed it from bank 3 months ago) Have had conversations with collections in Brighton they keep saying they will put it back into my account, I say do what you like its a ltsbmortgage and an LTSB credit card, and LTSB bank accounts. Am I bovvered as the saying goes, no is the answer. Get me into court
I could go on all day. I have sent in an S.A.R - (Subject access request) for copies of all the recordings of conversations ive had. In typical Lloyds style they've completely ignored it. I will be starting a court claim for this info next week
Read the link below for how the phone conversations are not available.
they only hold them for 2 weeks as they are for training purposes, of course this is not true, they will go through your conversations and supply you with a written transcript of anything that is not liable to them.
How i know this is when i asked for 2 phone conversations it was 3 weeks passed the last one.
I received that one. if it is strictly 2 weeks by law then why was it still active and available.
There is a phone number you can ring your self before you call them it records the call you can play it back and record it into your computer and thats your evidence.
The lies coming from Brighton are unbelievable and its Lloyd's that abuse the systems the most.
I believe its Lloyd's that are causing the courts to get feed up with all the charges cases as it is Lloyd's that let the higher % of litigation run on the longest on.
The collections style they use is worse than a back street lender and the persons carrying it out revel in it, Brighton's collection center is not very big, i have most of the employees names and know which ones to talk to to get the most polite conversation.
Just keep working it to your advantage start taking notes names and who you find most approachable and keep kicking but
BL
I find it ridiculous when they ring you from Asia and they ask for personal details, like i would give it to them, the same goes for Brighton i just do not do that over the phone even if i know its them for sure, at the end of the anybody could have gone thorugh your bin find out where you bank even if you shred it and get all your details.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
I find it ridiculous when they ring you from Asia and they ask for personal details, like i would give it to them, the same goes for Brighton i just do not do that over the phone even if i know its them for sure, at the end of the anybody could have gone thorugh your bin find out where you bank even if you shred it and get all your details.
The problem is Brighton collections will only send system generated letters.
So even if you want to discuss something in writing they will not and it has to Be done on the phone. Which when yiou have neuro problems is near on impossible.
i have advised i will only discuss things in writing but they dont reply when i try.
I dont know if i would be seen in court as doing the right thing as they may say i am being awkward.
I would like to know.
Theres nothing wrong with saying you'll only communicate in writing. For one thing they lie so often I want everything they say to be written down as evidence. Problem is they only use standard letter like you say and will ignore anything written to them. However, that's entirely their problem. You are offering a perfectly acceptable means of communication for them and they're choosing to ignore you, not the other way round.
I will certainly not talk to them on the phone, when they were still trying to ring me i'd just tell the person to put whatever they have to say in writing and hang up.
Mindzai's Account - Partial settlement offer rejected
Joint Account - Partial settlement offer rejected
_________________________
Spreadsheet for compound contractual interest and statutory (s69) interest: Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]
PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.
Hi, Breadline
You said: "There is a phone number you can ring your self before you call them it records the call you can play it back and record it into your computer and thats your evidence."
What's the number? It would be very, very useful - so far, I've been putting an MP£ recorder up to the earpiece. Crude, it works but not very well!!
Best wishes
Westy
If you like my post, click the scales!!
Nov 1 2006 Preliminary letter 21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!
Read all about it: natwesttookmymoney - v- NatWest
I know some one that used to work in Lloyds Collections at Black Lion St., Brighton...!
Most of the staff in this call centre are part timers, Uni students etc., who obviously do the job because the money (pay) is good. They get a lot of overtime, incentive bonus's, plus Marks & Spencer vouchers, bottles of Booze and nights out on the town when they acheive targets; that is collecting money from you!!!
They don't care about your personal financial situation, because they have heard it all before.
Once you go into Collections, you are put onto dialler and the system will keep on calling you until they get through. Collections are not given any information about how your account was run in the past, as it is only the current collections debt that is important to them.
The centre is commission driven, meaning the staff are paid commission for recouping the monies, that are owed.
As you can imagine there is a high turn around in staff!???
Can you imaging doing a job like that
***Know your enemy*** and DO NOT SPEAK TO Lloyds COLLECTIONS
I did and if you have any feelings atall it drains you, and the sadness you are encouraged to inflict is unforgiveable so i hope they know what they do now, is something you dont just leave behind you when you stop.
what goes around comes around and when it does i hope they get put straight into collections.
Yes breadline I know exactly what you are saying!!!!
I used to hear about the politics and inside workings within the Brighton Collections Department....every day, the stories that were recounted to me, made my skin creep.
Immoral, scandalous, disgraceful biusiness practices.
Your words are so correct-
"The sadness you are encouraged to inflict is unforgiveable".
JMHO
AC
Lloyds employees in Brighton collections
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Originally Posted by adamski
