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Mezzle

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Mezzle last won the day on January 19 2019

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  1. Lowell rang me this morning, asking me what I wanted to do with the debt. Told them I was waiting for them to respond to my section 77 CCA, they said they hadn’t had it. They want me to send it again (with a covering note to explain they’d already taken My previous payment) should I?
  2. Update: So, seems that Lloyds have agreed with the above re: the CC. The Loan case with FOS is still waiting for a handler. Also apologies dx - didn't realise I'd sworn! Will be more careful
  3. After a flurry of emails today I've had a copy of the report the FOS investigator has sent back to Lloyds. They believe that Lloyds should uphold my complaint, refund charges and interest past a certain date, as well as remove adverse information after that date. Not sure of figures yet. Reading the report makes me cringe though - the investigator has pointed out all the bits where I was financially doing bad - payday loans etc I'll see what happens re: the Lloyds Loans, but thought I'd share the news
  4. Nope - paypal. Although on some previous correspondence they referred to it as Here's the last 2 letters stating it's to paypal. File & ignore, I know. Lowell never responded to my CCA - did I get this wrong and should I have CCAd Paypal? (although I feel they're a bit harder to get an address for!) Wescot - Flatten Redact.pdf
  5. I know that. Lowell do, and I thought they’d bought my debt, yet the letter from Lowell’s say they’re representing PayPal… that’s my confusion
  6. 3 new letters this morning a copy of the Cabot/ao response - a response from PRA with some docs for Lloyds loan, but saying unenforceable. also a letter from wescots related to old PayPal credit. As far as I know, it’s been sold to Lowell, who I CCAd and have no response, but wescots letter doesn’t mention Lowell, only PayPal. how do I determine who the actual creditor is? As far as I know based on previous comms, it’s Lowell…
  7. It was ao finance, not Aqua, but yes, I missed that one. Will put another version up aren’t they ok to give me a cut and paste job now? I thought recons were ok? Will have a look at that thread now
  8. here's the one I've been promising for ages from PRA / Barclaycard PRA - Barclaycard CCA response flat censored.pdf Here's the Cabot/AO response I received yesterday looks similar to the one above, so probably enforceable.
  9. All the defaults for everything hit around the same time - when things got too overwhelming to pay back. The other way out would be to pay it back, surely ? Just count it as one of the debts on the dmp. That said, 4 accounts with new day open at once?
  10. It was part of that period of time, yes Is it enforcable even though the IP listed is incorrectly an internal one?
  11. ok, this bundle was smaller than the one I have yet to scan. I think I need to get me a better scanner (one with an ADF!) Cabot - Marbles CCA - Flat.pdf
  12. Thanks HB Just had a response from Cabot/Marbles. Seems like a legit recon contract to start with (I will scan this in at some point) - even has the checkboxes, correct address, etc etc. However, the IP on the box is a bogon IP of 10.150.102.120 - Meaning either it's one of their inbound proxies, and they've misconfigured and are logging incorrectly for LOTS of people - or they've faked it. File and wait for Claim form ? or tell them where to stick it?
  13. Help the old man understand the meaning? I’m bad at emojis, and the custom ones left my brain when I stopped working on forum software!
  14. All default dates are Oct 22 (in both SAR and Credit file), when Lloyds sold everything off based on letters from ex DMP company, except for OD - which was changed and has been updated to July 2019. Lloyds have had complaints re: all accounts for either IRL/Affordability - and have declined all but the overdraft. CC has been sent to FOS who're looking into it - and this has also raised that the limits reported on my Credit report are being reported incorrectly. If it's changed to accurately report what my limits were/when they were increased - they gave me an increase whilst I was over limit at one point. I'm still waiting on the letter re: the Loans to come before I can push the Loan complaints to FOS
  15. Ok, Filed and ignored. For lloyds, I've Overdraft - Complaint made & Refund bought balance down to £38 - being bought back by Lloyds CC - With FOS re: affordability/default date + incorrect reporting to CRA. Have been provided with enough to satisfy CCA - but not be enforceable in court (based on #49) Loan 1 - enforcable based on post #37 Loan 2 - No response to CCA Request I was speculating at one point that none of them would be enforceable if Lloyds didn't send me DNs (as I've not received them) All default dates are Oct 22, when Lloyds sold everything off based on letters from ex DMP company, except for OD - which was changed and has been updated to July 2019
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