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banksdomyheadin

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Everything posted by banksdomyheadin

  1. banksdomyheadin
    Hi I have exactly the same with GE Money, secured loan, they have sent an annual statement with additional interest and charges, for over £!300 do I start the ball rolling with a statement request and £10 postal order?
  2. banksdomyheadin
    Ok, is DV default? What do I send them next then? Also received this from wetcloths today... offering 50% reduction of debt?
  3. banksdomyheadin
    We haven't got it but don't remember any dates just a 14 day period.
  4. banksdomyheadin
    Yes a default notice was received from the bank.
  5. banksdomyheadin
    Please see attached, hopefully..
  6. banksdomyheadin
    Not an IT whiz kid as you may gather, couldn't get the scan thing to work Have had another letter today saying dear mrs blah blah, FINAL DEMAND Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous correspondence. Unless you contact us to agree repayment of £10,420.00 within the next 10 days further collection activity will be taken to recover the full outstanding balance. Please do not ignore this letter as this could result in further action being taken to recover the debt.
  7. banksdomyheadin
    I will try and scan a copy onto here, the CCA is signed and dated 23/04/2003 for a balance transfer, however,looking through her statements now, her Trustcard balance was £9,000.00 in August 2004 but in September 2004, she sold her house so paid it off in full. In October 2004 they gave her a balance transfer cheque for £8,000.00 for a Barclaycard credit card debt and increased her credit limit to £13,000.00. In AApril 2005 it changed its name from Trustcard to Lloyds Tsb.
  8. banksdomyheadin
    As per my previous posts, yes I have made a SAR & CCA request, which we received some 14 months ago, but they can't find the CCA as usual. They do however as I have previously put- got a signed application from when my wife done a 0% credit card balance transfer, around ten years after receiving the Trustcard credit card. Last payment was 24th April 2010, default date 2 months later as per other post. So Wescot are saying as far as TSB are concerned they have fulfilled their obligation now pay up. Sorry for any confusion.
  9. banksdomyheadin
    what do I do next please??????
  10. banksdomyheadin
    I had an Egg credit card, defaulted in Sept 2006, and have never heard from then since..........it was 11K as well??? Is it likely I will hear from them again????
  11. banksdomyheadin
    Last payment made was 24th April 2010. Default date on Credit Expert is 29th June 2010.
  12. banksdomyheadin
    So what do I do next....anyone please??
  13. banksdomyheadin
    Yes it is on her Credit Expert report, and they stated in their letter I have 14 days to reply?
  14. banksdomyheadin
    Hi, they are both separate TSB accounts. I went to court with mine and lost so paying them back as agreed with court, but fancy going all the way again with this one ??? Last payment made was 24th April 2010. Default date on Credit Expert is 29th June 2010. We do however have a signed copy of a Trustcard Platinum acceptance form and agreement signed by my Wife dated 23rd April 2003, it says reply by 31st May 2003 for your guaranteed £6600.00 credit limit and 0% balance transfer, if that hinders things ?? My Wife says the original card was taken out in 1991. Looking at the balance transfer form it looks like they have transferred the original card number to this new one back in April 2003? We only have copies of statements from 23rd July 2004 to 22nd June 2010. I have copies of DSAR from Moorcrofts, who we blew out pretty quickly, then Robinson Way who got blown out too, their last screen snap shot says 18th May 2011 Write off P&I £10,420.00 Balance Nil???
  15. banksdomyheadin
    Hi, I went to court with mine and lost so paying them back as agreed with court,
  16. banksdomyheadin
    Hi, they are both separate TSB accounts. I went to court with mine and lost so paying them back as agreed with court, but fancy going all the way again with this one ??? Last payment made was 24th April 2010. Default date on Credit Expert is 29th June 2010. We do however have a signed copy of a Trustcard Platinum acceptance form and agreement signed by my Wife dated 23rd April 2003, it says reply by 31st May 2003 for your guaranteed £6600.00 credit limit and 0% balance transfer, if that hinders things ?? My Wife says the original card was taken out in 1991. Looking at the balance transfer form it looks like they have transferred the original card number to this new one back in April 2003? We only have copies of statements from 23rd July 2004 to 22nd June 2010. I have copies of DSAR from Moorcrofts, who we blew out pretty quickly, then Robinson Way who got blown out too, their last screen snap shot says 18th May 2011 Write off P&I £10,420.00 Balance Nil???
  17. banksdomyheadin
    Hi, they are both separate TSB accounts. I went to court with mine and lost so paying them back as agreed with court, but fancy going all the way again with this one ??? Last payment made was 24th April 2010. Default date on Credit Expert is 29th June 2010. We do however have a signed copy of a Trustcard Platinum acceptance form and agreement signed by my Wife dated 23rd April 2003, it says reply by 31st May 2003 for your guaranteed £6600.00 credit limit and 0% balance transfer, if that hinders things ?? My Wife says the original card was taken out in 1991. Looking at the balance transfer form it looks like they have transferred the original card number to this new one back in April 2003? We only have copies of statements from 23rd July 2004 to 22nd June 2010. I have copies of DSAR from Moorcrofts, who we blew out pretty quickly, then Robinson Way who got blown out too, their last screen snap shot says 18th May 2011 Write off P&I £10,420.00 Balance Nil???
  18. banksdomyheadin
    Hi, I have been looking after my Wife's TSB credit card debt for the last few years, ie. fending off letters, debt collectors etc.. .. Got an SAR last year along with a letter stating at present they cannot find a signed copy of the application or agreement but this doesn't mean the debt is written off blah blah blah.... have got a letter of Wescot who I thought I had got rid off, but have come back saying as far as they are concerned the dispute is now resolved and the debt must be paid as they have supplied a reconstituted copy of the agreement a nd have now satisfied Section 78 Regulation 3(2)(b). Now my Wife is adamant that she never ever did apply for the card, it just arrived some 16 years ago through her letter box nor did she ever sign for one. She says she was a TSB current account holder and it seemed to follow the opening of that account?? At that time it was a TSB Trustcard? Any help please as I have 14 days to reply, the debt is for over £10K.
  19. banksdomyheadin
    Hi, I have been looking after my Wife's TSB credit card debt for the last few years, ie. fending off letters, debt collectors etc.. .. Got an SAR last year along with a letter stating at present they cannot find a signed copy of the application or agreement but this doesn't mean the debt is written off blah blah blah.... have got a letter of Wescot who I thought I had got rid off, but have come back saying as far as they are concerned the dispute is now resolved and the debt must be paid as they have supplied a reconstituted copy of the agreement a nd have now satisfied Section 78 Regulation 3(2)(b). Now my Wife is adamant that she never ever did apply for the card, it just arrived some 16 years ago through her letter box nor did she ever sign for one. She says she was a TSB current account holder and it seemed to follow the opening of that account?? At that time it was a TSB Trustcard? Any help please as I have 14 days to reply, the debt is for over £10K.
  20. banksdomyheadin
    Hi, I have been looking after my Wife's TSB credit card debt for the last few years, ie. fending off letters, debt collectors etc.. .. Got an SAR last year along with a letter stating at present they cannot find a signed copy of the application or agreement but this doesn't mean the debt is written off blah blah blah.... have got a letter of Wescot who I thought I had got rid off, but have come back saying as far as they are concerned the dispute is now resolved and the debt must be paid as they have supplied a reconstituted copy of the agreement a nd have now satisfied Section 78 Regulation 3(2)(b). Now my Wife is adamant that she never ever did apply for the card, it just arrived some 16 years ago through her letter box nor did she ever sign for one. She says she was a TSB current account holder and it seemed to follow the opening of that account?? At that time it was a TSB Trustcard? Any help please as I have 14 days to reply, the debt is for over £10K.
  21. banksdomyheadin
    Has anyone heard of IQOR Recovery Services representing Lloyds TSB credit card? My wife has just received the usual letter saying pay now or else. Do I start off asking them how they are representing TSN and have they got something in writing as TSB have not told us about them?
  22. banksdomyheadin
    Has anyone heard of IQOR Recovery Services representing Lloyds TSB credit card? My wife has just received the usual letter saying pay now or else. Do I start off asking them how they are representing TSN and have they got something in writing as TSB have not told us about them?
  23. banksdomyheadin
    Has anyone heard of IQOR Recovery Services representing Lloyds TSB credit card? My wife has just received the usual letter saying pay now or else. Do I start off asking them how they are representing TSN and have they got something in writing as TSB have not told us about them?
  24. banksdomyheadin
    New one this for me...a little help required?! My Wife has a TSB credit card, has had it 17 years no CCA at all. Have nt heard from them for over 6 months. Have sent Resolve Call, Moorcrofts and 2 others letters in the past asking for CCA AND Letters and they all give up and say they have passed it back to Tsb. Today though we receive this new one "We have been instructed by our client to recover the overdue debt. We DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below. Your failure to comply could result in a DEBT COLLECTOR calling upon you for payment or a COUNTY COURT JUDGEMENT being registered against you. Yours sincerely swiggly autograph! By the way this is from the DEBT ENFORCEMENT OFFICE in Whitchurch, Bucks. I am quaking in my boots....NOT! Any help what road I go down please with this one Is it same approach as the previous four and has any one heard of this company?8)
  25. banksdomyheadin
    New one this for me...a little help required?! My Wife has a TSB credit card, has had it 17 years no CCA at all. Have nt heard from them for over 6 months. Have sent Resolve Call, Moorcrofts and 2 others letters in the past asking for CCA AND Letters and they all give up and say they have passed it back to Tsb. Today though we receive this new one "We have been instructed by our client to recover the overdue debt. We DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below. Your failure to comply could result in a DEBT COLLECTOR calling upon you for payment or a COUNTY COURT JUDGEMENT being registered against you. Yours sincerely swiggly autograph! By the way this is from the DEBT ENFORCEMENT OFFICE in Whitchurch, Bucks. I am quaking in my boots....NOT! Any help what road I go down please with this one Is it same approach as the previous four and has any one heard of this company?8)

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