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Mezzle last won the day on January 19 2019
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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
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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
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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…
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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?
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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
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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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