Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default MCPR Vs Lombard Direct (part of RBS)

    I am currently behind on my payments (missed 4 ) to Lombard Direct. It appears from their notepaper, that they are part of the RBSicon Group - Can anyone confirm please ?

    Also does anyone have the address that I should use to send them my DPA letter ?

    Ta very much


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    Default Re: MCPR Vs Lombard Direct (part of RBS)

    Loans provided by Lombard Direct, a trading name of The Royal Bank of Scotlandicon plc, Lombard House, 339 Southbury Road, Enfield, Middlesex, EN1 1TW.

    Taken from the front page of the lombard direct website. I'd say just send it to the address listed there!

    HBOS Student Visa - DPA sent 30/03/07

    HBOS Student Current Account - DPA sent 30/03/07

    HBOS Current Account - DPA sent 30/03/07

    Capital One Mastercard - DPA sent 5/04/07

    BRING IT ON!!!!
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    Default Re: MCPR Vs Lombard Direct (part of RBS)

    Quote Originally Posted by davidscullion View Post
    Loans provided by Lombard Direct, a trading name of The Royal Bank of Scotlandicon plc, Lombard House, 339 Southbury Road, Enfield, Middlesex, EN1 1TW.

    Taken from the front page of the lombard direct website. I'd say just send it to the address listed there!

    Thanks David And Good Luck !!


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    Default Re: MCPR Vs Lombard Direct (part of RBS)

    Don't know if this will be of any use/help but.....

    Lombard Direct have refused to accept my token payment 'offers' of 5 per month, despite them having sight of my personal budget sheet & list of creditors.

    They have therefore issued me with a section 87(1) Default Notice - and charged me 25 for the 'pleasure'. Their (standard) letter waffles on about me contacting them to discuss any payment difficulties I might be having, and any proposals I have for clearing the arrears. Of course, they have already had all this info in writing. I have made a claim on my payment protection insurance (as a result of my redundancy) of which they are aware (but seem to choose to ignore). However, their Insurance Company (unlike several others to whom I have made claims) have not yet made any payments to Lombard.

    I therefore wrote the following letter (mostly cribbed from another web site) which, I hope might make them reconsider (I've had no response as yet)

    I note that regrettably we are unable to reach a satisfactory compromise in my case. As I have already explained, I can only afford 5 per month at the present time and this is the only realistic payment proposal I can make bearing in mind my personal budget sheet and list of creditors I sent your company on xxxxxxxx.


    I have been advised that under the debt collectionicon Guidance issued by the Office of Fair Trading that your company are in breach of the Guidance under the section concerning physical/psychological harassment - section 2.6. (f) which covers unfair practices - i.e. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so. As set out in my previous letter I cannot increase my offer to you and I am advised therefore that your company is in breach of the above code.


    As you should also be aware, I am pursuing a claim on my payment protection insurance and I understand from the Insurance Company that they will be shortly, if they have not already, be contacting you to request details in respect of my account.


    Until such a time as the Insurance Company settle my claim or my circumstances change, the offer of 5 per month is still open to you to accept.

    This might be of use to someone - I will let you know of course how I get on with dear Lombard. !!

    PS I haven't started the ball rolling yet re their charges as I have just started 3 other claims - SARs sent today - but I will in due course !!!


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    Default Re: MCPR Vs Lombard Direct (part of RBS)

    Update:

    No response from Lombard (I'm not really suprised) my guess is that they will sit back until the default notice kicks in at the end of next week (even though my Payment Protection Insurance should have made payment(s) by then).

    So I feel a SARicon coming on !!!

    Watch this space

    S.A.R - (Subject Access Request) sent to NatWest 30 March 07
    Statements received 2 May

    SAR sent Barclays 30 March 07

    SAR sent Barclaycard 30 March 2007

    SAR sent RBS 5 April 2007
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    Default Re: MCPR Vs Lombard Direct (part of RBS)

    There I was - trawling through the net - as you do

    Found this on a Lombard direct loan terms and conditions agreement (at Lombard Direct Loans - Terms and Conditions - not including Loan Payment Protection )

    Your account is with The Royal Bank of Scotland plc trading as Lombard Direct. We are a member of The Royal Bank of Scotland Group (the Group). For information about our Group of companies please visit www.rbs.com and click on "About Us", or for similar enquiries please telephone 0131 556 8555 or Textphone 0845 900 5960.

    Think I will address my SARicon to them !!

    S.A.R - (Subject Access Request) sent to NatWest 30 March 07
    Statements received 2 May

    SAR sent Barclays 30 March 07

    SAR sent Barclaycard 30 March 2007

    SAR sent RBS 5 April 2007
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