Hi

I started a Ppi claim with Lloyds a few weeks ago

there were 9 old loan account from 1992 to 2000 with Ppi.

I should have my response in Aug.

But this week I have received 2 letters in the same envelope to old address

even though Lloyds have new my address due to claim.

One is from Lloyds saying they have sold my debt to asset link the other from asset link.

I know there's a Lloyds charge on my old house from 2006 (ex wife and kids live there but my sole mortgage) as its on land registry.

Any one know why I've been sent letter?

I assumed they would offset against any debt anyway.

Any advice on what to do I will upload letter off asset link.

PDF Photos 16-07-2016.pdf

prob doing you a favour as the PPI will now goto your pocket

they cant offset on a sold debt

as for the letter

if you look carefully

you'll see both letters have actually come from link

using a Lloyds scanned letter head.

Ok will check other letter later.

Do I notify asset of my new address my ex wife bins mail and gives nothing to me.

I'm only lucky to get anything if it's my friends post round.

On saying that nothing should be going there I left in 2014.

Fo I sent a dispute letter Orr CCA to asset,

ignore them offer them a full and final settlement?

What happens to charging order?

charge will now be in their name I think you'll find?

send plink a CCA request

I wouldn't be rushing to settle this just yet

but if the PPI gives you funds

it might be the only way to get the charge removed.

but we'll deal with that later

Ok thanks.

To be honest if Lloyds are paying me out over that amount then I will have no issue paying it.

I did think it was about £4000 outstanding on the debt and removing the charge.

I'm only guessing that Lloyds have come to conclusion but are not informing me until the 8 weeks are up.

That said I'm not to keen either On debt collectors chasing me until I know if my claim has been successful.

As I won't be able to offer anything until I know if Lloyds are paying me out or not.

But going on anything over 10 year old Ppi I've been told by an employee of the bank the standard payment is £1200

That said I'm not to keen either On debt collectors chasing me until I know if my claim has been successful

dont worry, they can be batted off in the mean.

ignore them for now

yes std on unknown claims with Lloyds is £1200

you have sent them an sar?

in terms of link

id never ever pay them a penny ever!!

cause this is where you money goes

http://www.homesandproperty.co.uk/property-news/millionaire-debt-collector-digs-deep-in-south-kensington-28708.html

if the charge is still in Lloyds name

you pay them

but get reclaiming first and charges too mind

before you settle!!

No I didn't think I needed to as when I rang up they give me all the account numbers and the dates

and sent form out with these account numbers already on.

It's just a waiting game now for a yes or a no!

once I get confirmation I will ring land registry.

Shall I send link an email given them my new agrees as I don't really want mail going to my old address

send them [LINK] the std CCA request

will serves two purposes!!

you really should SAR Lloyds

else you'll never know if they are telling the truth when they cough

dx

Both letters sent In post this morning! Thanks

Here's the letter I had off Lloyds with the one off link in same envelope

PDF Photos 25-07-2016.pdf

so Lloyds sold the debt to link

the Lloyds letter is actually from link

on Lloyds nicked letterhead

sadly they are allowed to do that.

dx

I'm waiting on CCA response from link and sar from Lloyds.

However a letter has come back from Halifax general insurance saying they 40 days to get info out to me.

I bank with Halifax now and am only really interested in past loans and info from Lloyds.

Any idea why the letter has come from Halifax general insurance?

well they all were linked at one time.

ring and ask?

It's a balls up its gone to wrong dept. But they are sending it to the right place internally.

Reply received from link today.

I notified them of new address on cca last week

but still they have responded to cca at an adresss I have not lived at since Jan 2014.

This is what I put on cca dated 18th July.

In respect of your letter dated 10th July I would like you to update your records with my new address.

I have not lived in the address you wrote to since January 2014.

What shall I do about them continuing to write to me at an 3 year old address?

Little update

Lloyds paid some money in my bank account yesterday the 8 weeks are up on Aug 3rd.

I haven't had a decision letter yet to show how the figures have been worked out.

But if they awarded me the standard redress on each loan and paid to debt collectors off it doesn't work out quite right.

I await letter patiently to see their calculations

they cant off set to a debt the y do not own.

if its been sold to a DCA that's a no-no

Okey dokey there was 9 loans from 1992 to 2000. But what they've paid out is nowhere near the standard redress for old loans. I've had around 1/3 of that. But somethings better than nothing all. Strange I've been paid before I've even had paperwork to agree or disagree don't you think?

std ploy.

if the loans didn't run their course then you might not get the full £1200 for each?

but it needs clarifying yes

Even though link sent me letter below stating 30 days. Do I still write to them after the 12 + 2 days with a reminder letter allowing 30 days? Then if they don't respond after that write to say that they haven't complied with my CCA request and are now in default and put account into dispute??

PDF please..

No you never chase once a CCA request has been sent

Ok thanks glad you told me that

PDF Photos 29-07-2016.pdf

Found a updated copy of deeds when I sent in oc2 form back in Feb requesting more info on Lloyds charge and they couldnt locate document see c3

PDF Photos 29-07-2017.pdf

equitable charge, has it been paid off re the remortgage?