Has anyone experienced these clowns at home? What would their next move be? Anyone?

Hi Gang, Right, just a quickie. While I was at the other half`s new house, wallpapering, this afternoon, my parents rang to say there was a bloke there wanting to speak to me. As I was very busy, he came on the phone and said he was calling on behalf of Lloyds TSB for a chat. Before he got any further, I told him if Lloyds had anything to say, to put it in writing, or to make an oppointment with me. I then told him to hang up the phone and leave. So, I`m not exactly sure who or what it was about, exactly, only Lloyds TSB, so I`m assuming it was Moorcroft. My parents said later, the last thing the bloke said was, it was now out of his hands and it was going to Court now. Right, must dash, we are moving house this weekend. Wish me luck!! Ciao for now. N.P

Hi Help48xxx, Thanks for the input. These DC`s must be really numb in the head. They simply can`t check the status of accounts that they buy. I mean, if an account was legite, why would Argos sell on loads of accounts? The mind boggles. It has been for a while. Merry Christmas to all Caggers. Catch you later. N.P

Hi Baab, Thanks for the post. Mmmm, that is quite interesting. Now, they could say the agreement is also a Direct Debit mandate, BUT, if the whole sheet was sent to the Bank, then Argos would not hold the original agreement. So, if they cut off the bottom bit to give to the Bank, the Bank then does not have any reference / account numbers, as you point out. And yes, now you`ve mentioned it, there is no reference / account numbers on the actual agreement, in which case, as you also point out, how could they prove that the account number on the card was attached to my actual account? I`m also curios as to why Argos would sell this account on, as it has been through no less than 7 DCA`s and Solicitors. Does anyone else have any thoughts on this? Thanks again. N.P P.S. Do you know you agreement has your name on? It`s in the `For Office Use Only` box.

Ok bud, Mine has PPI added, but it`s just a tick in a box, anyone could have ticked that box at any time. Although the CCA has on that PPI is xxp in the pound, it doesn`t state the amount of interest. Also, the statements they sent me had the monthly interest and charges combined, instead of itemising them, so, one can`t really work out what the true costs. Let me know what you find I might just see what comes next, then send them my account in dispute letter, which I`ve sent out a number of times now, to various clowns.

Hi all, I`d just like to appologise for my incorrect remark - I read the BH CCA, but must have been thinking of something totaly different when at the time. Sorry gang N.P

Hi Baab, Sorry, I thought I`d placed a Link to it. The CCA can be found here - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/106494-argos-card-jb-debt-15.html#post1818394 Whats you think dude?

Evening all, It`s been a while with this one, but it seems someone is trying to spoil my Christmas, although moving house in the next week will take some beating. We need a 3 bedroom for the kids. Anyways, this morning I received the following from some ball-bag at DLC. It goes something like this - Also included in the envelope was a letter originally what looks like from Argos. Also included was a cheap looking expenditure sheet, asking if I`m a house owner and am I employed. I can`t say I`ve had any dealings with these before, but I`m kind of wondering why Argos would pass the account on. This account has been through quite a few DCA`s and Solicitors. Any idea`s people? I`d also like to take this opportunity to wish you all a very Merry Christmas and all the best for the New Year, and we`ll all need it, with the way Judges are denying us of our rights under the CCA, to protect the financial wellbeing of our bankrupt and extortionate country. Ciao for now. N.P

Hi DD, Now, I am totaly with you on that last post. Even though, I don`t reply to all, if not most of them, I DO READ them all and decide if it warrants a reply or not. As for the Banks not wanting their image to be tarnished, well, we all know what parrassites they really are don`t we? I don`t think the war with the Banks is over just yet. I think it`s quieting down a while, while everyone reloads Catch you late mate, ciao for now. N.P

I`m not trying to be clever dd, or in any way pretend to be a know all. But, lets look at it this way. If a Bank or whatever can`t be bothered to deal with your dispute, whatever it is, they hand you over to DCA`s. Now, if they are so sure they are in the right, then why don`t they just sort the matter out in court or even bring the FOS in? I have accounts which have been to about 10 DCA`s and a number of Solicitors each. Why hasn`t the Bank just acted properley instead of giving the accounts to people who just hassle you with letters of doom? Anyone receiving a letter from a DCA for the first time with all their usual threats of death and destruction and what not will either pass out in fear or go into a defend and destroy mode (me). My reply would be, I replied to their first letter and they kept bombarding me with the same letters. I informed them to refer to the first letter which clearly they ignored. I have more important things to do than write a letter everyday to a third party whose only involvement is to extorte money from me, claiming I owe them. Anyway, rant over

irritating me is not supposed to impress a judge. it`s supposed to inform whoever keeps sending the same letters over and over, that they are starting to `irritate me`. I`m sure everyone of use on here has had the same letter numerous times from the same bunch of clowns, albeit probably in different words. These companies have automatic systems, their is no need to reply to every letter. Morecrap for example, can send out 40,000 letters a day. Perhaps they should be sued for spamming. I`m of the opinion that I don`t owe Morecrap a penny, so there is no need to reply to their waffle. Why on earth would I want to pay a third party anything when I don`t owe them? These companies are of no use in this world whatsoever, they are only around to make money out of peoples misery, by interfereing with matters that quite simply has nothing to do with them. They should all be closed down and all of the employees thrown of the beach banks with the rest of the rubbish. They`re not much good for anything else. If these companies need to be informed of anything more than once, then I can`t see the point as quite simply, like I`ve said, they go into an automatic empty head mode.

Myself, I just reply to important letters, only the ones from Solicitors. Why waste your life away reply to every stupid automated threatagram? My mate received 7, yes 7 letters in 7 days, all from the same company. Not one of them was interesting, they were all the same gibberish. I have personally received 2 Solicitors letters regarding an Egg account. The first one explained Moorecroft had defaulted on my CCA request, and the second letter told him to read the first letter as it still stands and I have nothing else to say on this matter until something more substancial is sent, and stop bothering me as they are now starting to irrtate me. I haven`t heard anything for quite a number of weeks now.

As well as requesting the removal of Defaults, you also require the removal of all entires relevant to this particular account. There will probably be other entries, such as Late Payment, Missed Payment, Balance Outstanding, etc.. I`ve noticed Egg are bombing my account with Missed Payment every month. I think the lists gone off the screen now. All these other `markers` are probably more damaging than one Default. Good luck with whatever you decide

Hobby Craft sell nice yellow and also red envelopes. They also sell coloured paper to match. You could send a silly letter to Mr Richard Cranium, and see what sort of response you get. Personally I wouldn`t even bother replying. Wait until you get something interesting to read, like a letter from a wannabe Solicitor or even the neighbours Financial Times. I`ve had silly letters from the numb nutts at BLS, and also a silly, childish post card from some empty head at Allied. I was thinking of writing back stating I don`t want any carpets so P Off!, but, I couldn`t be bothered, HEH HEH Hi cB, how ya doing hun?

Heh heh, nice one SS, sounds like you have a Mexican standoff. Let them withdraw first, on condition that they put it in writing that they give up and pay up your PPI and will never bother you again. They may just sell it on to some other bunch of clowns, who will then start bugging you. I`m sure you`ll have a dodgy dispute letter, ready for the next lot?

Hi SS, Just butting in to let you know I`m still watching with interest. Did they state what the options were? This sounds promising though. Just so I don`t have to read 14 pages, do they have your CCA and is it sound? N.P

Speak to these knob jockeys EXACTLY how you seem fit. What exactly are they going to do?

Hi Lisa, Hah hah, another load of bull! It`s not for Lloyds or iQor to say if this agreement is enforecable. Only a judge can rule that. Keep sending rhe clowns your account in dispute letter. Don`t offer them anything, that will be admitting the debt. Have you noticed how they keep passing this nonsense around? Don`t give up, stick to your arguement. N.P

I`m wondering how this will affect older bank accounts, with no opening/application form available from the bank. I have an account which Lloyds TSB is chasing. I haven`t bothered with it for a year now, they have added charges and interest on and are asking for it back. They claim I have broken the agreement between the bank and myself, yet they have not shown up with any paperwork other than statements. No agreement, no application form. Just the usual BS. As far as I make it, I have not agreed to be charged in that case. They will say I have agreed to the T`s & C`s by using the account. So, they are unable to supply me with the T`s & C`s from 24 years ago. What does that mean?

Maybe not, but that`s what has happened, just in different words. We are nobodies, the goverment and courts will always protect the banks. There`s too much money at stake.

What is wrong with this country? How can 5 old farts say that it`s ok to rip people off, trap them in debt and ruin their lives just to save the Banks from paying out what`s not theirs? This is nothing more than legalised extortionate profiteering. I still think these Banks have paid the judges a few million each to rule in their favour. This makes me sick. I hate Banks, I hate the spinless courts and I hate the dicks in charge of this bum hole country.

Ahem! English please

I wouldn`t pay a single penny to ANY DCA, wether they have the CCA or not. If you must pay, they cut these **EDITED** out of the loop and pay the Bank. If they Bank refuse to accept payment, then tough! You have made an offer. You don`t ower Alliance anything, so why pay them? They are only in it to make money out of your misery. really.

Well, Lloyds TSB have failed to come up with my Application and account opening form for my account which opened 24 years ago. As far as I`m concerned we don`t have an agreement for them to charge me, so I want every penny of every charge and it`s interested returned from the birth of the account

Who said £12 is fair? It certainly is NOT fair. Nothing IS fair! Banks were put in place to serve the people. not to take the (edit) out of us and serve themselves. It doesn`t cost me £12 to send a letter, and it certainly doesn`t cost the Banks anything, as everything is automated, no matter what bull (edit) they come up with.