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My I.V.A. finished and I got a Completion Certificate in October 2016.

 

I have just received a letter from H.B.O.S. saying there is still a large balance on the account.

 

Then shortly after I received a letter from LC Asset saying they had purchased the debt from H.B.O.S.

 

How is there any balance, as I thought on completion of an I.V.A. all remaining debt was written off?

Edited by dx100uk
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Was it included in the IVA ?

 

If so refer the letter to your IP.

 

Andy

 

 

Thread moved to Formal Solutions: Bankruptcy, Administration Orders, Debt Relief Orders and IVAs Forum.

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Your title says sold on, but you state the letter is from HBOS who were the original creditor?

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... 

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HBOS were the original creditor .....assigned to LC Asset...who by the way are listed as a Dissolved Company

 

https://beta.companieshouse.gov.uk/company/08324836

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Oh yea sorry its extremely sunny here..very rare!!

 

So LC Asset neesd holiday money then and sent a scmming letter to if they can find a few mugs

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... 

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Share on other sites

I had one letter from H.B.O.S. saying the debt had been sold on, and one letter from LC Asset saying the debt had been sold to them.

 

Just received two more letters today for a Lloyds card account.

 

Same thing one from Lloyds one from LC Asset.

 

Sent everything to my I.P. don't know if he can do anything as my I.V.A. was completed nearly two years ago.

Edited by dx100uk
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Can we have the fca reg number from the bottom of their letter please

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

On the LC Asset letter there is no FCA number, just a Registered Office address in Luxemburg.

In this letter they say they have appointed Link Financial Outsourcing Limited to manage the account on our behalf.

The Bank of Scotland number is 122626

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Aha thought it might have been our friends Plink!!

 

Pers id ignore them

 

Unless you have moved since the iva completion?

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... 

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Share on other sites

Run it past your IP just for peace of mind.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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this is what was puzzling me earlier.

lots of people even with a settled certificated iva still have had to give the ppi refund to their ipsome here +5yrs later as it was an asset from that time that was not realised ..

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 a letter from my I.P. which says, I write to confirm that following issue of the Completion Certificate in relation to you I.V.A. on 26th October 2016, I have no interest in any P.P.I. complaint or subsequent awards that you may have.

As such, any funds may be paid directly to you.

 

In the supervisors report

Whist I have not been made aware of any intended or ongoing reclaims regarding the mis-sell of P.P.I. Policies, should the client make any such reclaims successfully and subsequently receive redress prior to the issue of the final report, I intend to consider these funds as excluded from the arrangement and be retained by the clients.

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I know but i was just making an observation from my years here

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

Does my I.P. still represent me, I thought once you had received your I.V.A. Completion Certificate that they ceased to have any dealings with you.

It was completed almost 2 years ago.

 

No...but your entitled to check with them if a debt was included or not......just because your IVA was completed ...they didn't burn your file.:madgrin:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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can we see these lc asset letters please

scan them up to one multipage pdf

red upload

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... 

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Uploads unapproved...not fully redacted....name and amounts still showing.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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