Jump to content


robbersway/cohen chasing OH's old LLoyds loan 'debt'


Hotmonkey
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2947 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi looking for some advice on a debt that has now been sold on and being dealt with by robinsons way...

 

My husband took the loan out in 2008 with lloyds

we think the last payment was made in 2010 but not sure

 

 

however since then we have had letters from different dca's and

 

 

the latest one being robinsons way who now own the debt,

 

 

letter says that we have 10 days to get in touch with them or they are passing on to howard cohen solicitors who may start court proceedings,

 

 

should we be sending a CCA?

 

 

And does this acknowledge the debt?

 

 

Any help appreciated as no idea what we should be doing and the best way to now deal with this!

 

 

Thanks

Link to post
Share on other sites

Yes, send the CCA request immediately - note the over use of the word "may" rather than "will".

 

Perhaps you could let us know a little more about the debt. What is the value ? Do you know if there are any default/penalty charges added to the account. Was there any PPI added that might have been mis sold.

 

Were you in dispute with LTSB at the time of the last payment ?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Value of the debt is £19k, about 4-5000 of this is charges and interest after we had asked them for help, and they refused

 

 

We ran into difficulty as my husband was self employed at the time and work was non existent!

 

 

No ppi on it as far as we know.

 

 

Where can I get a template cca letter?

 

 

Thanks

Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

You can also send Lloyds a SAR to get the full history of the account, which will show not only the amount of reclaimable charges, but also if you had any PPI on it.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Thanks for response..

 

 

Can anyone tell me it says on the letter that our 'account is due to be transferred to howard cohen in the next 10 days'

will they definately transfer it or are they trying it on?

 

Also which part of the act in the CCA letter should I be using.

 

 

.. It's for a personal loan I'm getting all confused!

Link to post
Share on other sites

CCA request

 

 

then read the posts further down under the letter

 

 

as for the DCA / sols IGNORE THEM.

 

 

unless a claimform arrives

 

 

go get all the info CCA cabot /SAR to LLOyds

 

 

 

 

as to advised

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ignore DX about CCA to Cabot :p

 

Theyve drunk too much this weekend.

 

Your CCA should go to RW...

SAR to Lloyds...

 

If a claim form does arrive, let us know :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

When We request the sar will it mean we then would have to acknowledge debt

 

 

if they send info they hold about it even if the CCA request is not met?

 

Where do I find the address for lloyds to send the sar please?

 

Sorry bit of a newbie trying to find my way around here!

Link to post
Share on other sites

No, a sar is just a request for information on your account(s) read all the notes very carefully and try to understand what happened at the time of your defaul tnotice termination of your account. look for PPI or charges.

 

Do a search for the SAR address..

 

good luck and stay positive

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

Link to post
Share on other sites

comes thru working on numerous new threads today

 

 

sar

 

 

to LLOyds

Registered Office:

 

25 Gresham Street,

 

London EC2V 7HN

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I have recently sent a SAR to this address and data file was sent back to the debtor very quickly I used this address

 

 

Lloyds TSB Bank

Data Controller

Subject Access Request Dept.

Tredegar Park

Newport

South Wales

NP10-8SB

 

 

Once you get your package back check it properly and reclaim any fees. Don't forget to sign it. Mark your signature so it cant be copied to a credit agreement just in case that's all.

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

you do nothing more now till/if they respond or not until 12+2 working days. expires

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

from the day you sent it

that's what the +2 days is for

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 10 months later...

Hi... Just an update.. Thanks for all your help!

 

 

Nearly a year on and they have finally responded

saying they are unable to provide any of the information requested

so are writing the debt off and clearing it from the credit history!

 

With out the guidance of you lovely people we may not be in this position now!

 

So thank you all and have a lovely Easter!

Link to post
Share on other sites

Hi... Just an update.. Thanks for all your help! Nearly a year on and they have finally responded saying they are unable to provide any of the information requested so are writing the debt off and clearing it from the credit history!

With out the guidance of you lovely people we may not be in this position now!

So thank you all and have a lovely Easter!

 

Aah! mate so pleased for you.. worth the effort after all.

 

Relax now & enjoy the weekend.

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

Link to post
Share on other sites

hey well done

dx

 

 

The Consumer Action Group needs help to cover its expenses.

You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate

or by downloading our toolbar and using it to search the web instead of your normal search engine:- http://consumeractiongroup.co.uk/cag_plugin.php

Please help.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...