They aren't offering a discount, and the smell will be the lack of response to a CCA request made to Lloyds some years ago

no point doing one to lesscroft, they'll just pass it on to their client.

it will prob be sold on just now. no worries, then do another cca request to the new owner.

Hi once again,

Just a quick update to the Moorcroft attempts at debt collection, sorry debt administration on behalf of Lloyds.

Letter No.6 arrived today from Mr Martin.(see below).

"Our records show that despite our previous attempts to contact you, you have failed to make any

payment to us and therefore your account has now been passed to our Home Collections Division.

This may involve our local representative calling at your home address. Please call us if there is a

particular time or date when you would prefer our representative to call."

That's probably because I have no intention of contacting you or paying you. How about a 05:30 Sunday morning appointment, see how desperate they are

"The purpose of this visit will be to assist you in establishing contact with our head office team by

telephone. The visit does not involve any recovery of monies or possessions and is purely to help

reconnect you to our Head Office team, to establish your circumstances and discuss a route forward."

I can't reconnect to something I've never been connected to in the first place but thanks for the offer of help.

"lf however you would prefer to agree a repayment arrangement direct with this office, or you believe

there is an outstanding query on the account, you must telephone us no later than xx/12/16."

Yes there is a small matter of a missing CCA response from your client actually, but I don't think I need to tell you that though. You really should ask your client if the claim is 100% legal before taking it on.

"In a further attempt to avoid further collection activity our client has informed us that we may be able to

offer a substantial discount from your outstanding balance. This means that if you are able to pay an

acceptable lump sum we will not attempt to recover the remaining balance of the debt."

Now why would your client even consider a substantial discount ? They already went down that route via their own collections departments 8 years ago.

"If you genuinely can't afford to make any repayment, speaking with us may still help. We can guide you

to free money advice services and our scheduled visit will still be cancelled."

I think I'm quite capable of seeking my own advice, but once again thank you for the offer of guidance and help (not).

Just posted so that people in the same boat know the cycle of letters that are being sent out.

Thanks.

Moorcroft_6_Edited.pdf

same letter they were sending out in 2006

must have about 35-40 copies of it now.

very old hat in todays world.

they wont be sending anyone...

Quote

passed to our Home Collections Division.

ie the same plod at the same desk, deciding which template letter to send next.

The letters always come in envelopes with Whistl in the top right hand corner, how ironic, because that is exactly what they can do

Thanks

Quick update yet again,

It would appear Moorcroft have

a:bought some more printer cartridges or

b: started to collect early for the christmas party.

I have just received a letter, which is the same as the one they sent back in Sept 2016. That was the first in a series of seven letters, the last one was received in December 2016.

I presume the same series will now follow

Moorcroft_8_Edited.pdf

Ignore moorcroft totally

OMG this is still going. Mine dropped off credit file 3 years ago without them getting a penny.

When did u stop paying them?

Once Lloyds wouldn't let me pay them directly and involved Moorcroft I ceased payments and have totally ignored all correspondence from Moorcroft, so that is almost 2 years.

open

Thank You BankFoddder.

Just an update to the situation. 

Since Lloyds asked Moorcroft to administer the account I have not paid them and the letters have been going through a cycle ever since and then stopping and repeating again, with the exact letters being sent, usualy an 8 letter cycle.

This years cycle has just started again but strangely Moorcroft have mentioned that the method I was using to pay ZINC GROUP will determine what action I need to take.

This seems strange, as I've never had any payment arrangement with anyone but Lloyds, infact I've never even heard of the Zinc Group and had to search online to see who they are 

Just wondering why they would be mentioning this or is it a template letter again that they haven't edited to suit my situation ?

Moorcroft_19_Edited.pdf

zinc are just another dca that doesn't ever but debts

so whatever can be ignored.

I know that, but why do Moorcroft even seem to think I had a payment plan in place with Zinc Group ?

They are supposed to be 'administering' my account on behalf of Lloyds.

If Moorcroft can't even get the basic facts correct, then why would anyone let them administer accounts for them    

Moorcroft are just hopeful commission agents no powers, NOT a debt buyer, and are asked by companies to try and get somebody to pay up, if lloyds were serious at this stage then they would sell to an actual Debt buyer =

I haven't been here for a while so I hope everyone is OK. I just got a cheque in the post for a bit more than 4 grand from Lloyds in respect of PPI on a credit card.  Interesting thing is, it was statute barred and they sold the debt.  I can't even remember who to now.  Nice christmas present!

That's great news, well done. Please donate to CAG if you can.

HB

Of course.  Once I've banked the cheque, I will do just that.

Regards and Merry Christmas to all.

Fred

open

dx

Thank you for opening this thread again.  I didn't want to start a new one as I didn't know which forum it would come under.
I will update tomorrow with the finer details, but basically Lloyds have off loaded this debt to Link Financial despite failing to respond to a CCA request made in 2008.
It's late in the day so I'll give a shortened timeline on this long thread tomorrow and hopefully be able to nip this in the bud.

Thanks.

when was the last time you paid anyone anything?

Hi dx

It was 2016, that is when Moorcroft started doing the legwork for Lloyds.

I have received a Notice of Assignment informing me that Lloyds have assigned all of its respective right, title and interest in the account to LC Asset 2 and they in turn have appointed Link Financial Outsourcing Limited to service the account on their behalf.

LC Asset 2 and Link are now the Data Controllers of the account now.  

I sent a CCA request to Lloyds around 2008/09 but they failed to respond to that, so I told them as a gesture of goodwill I would continue to pay a token £1 pm but reserve the right to cease payments.

now after being out of the loop for so long I'm after a little guidance on how to deal with Link. 

Would a SAR and CCA request be in order to them.

Any suggestions would be very much appreciated.

Thanks

no just send Link a CCA request.

so not too far away from being SB'd and with no enforceable paperwork, this aint going nowhere.

dx

To be honest, I often wondered why Lloyds didn't take any legal action sooner.

they couldn't as paperwork and anyway original creditors don't do court.

dx