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maisierider2008

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  1. Thanks for putting my mind at rest. Will send this off today.
  2. Hello An update. MBNA have sold my debt on to a third party and said they will no longer communicate with me. The third party have written to me today saying that they have contacted the land registry about securing some rights on my property. What next? MR2008
  3. Hi Andbrat I've checked the "photocopy/original" and the bottom of page one has something else photocopied over the last paragraph as on the scan. In fact, look at the top of page one, this has been photocopied onto Lloyds headed paper (the top logo is in colour). Would appreciate your opinion. maisie
  4. Update from me: Background: Received huge bill from old borough I used to live in dating back 10 years owing about £2.5k also including the liability for an address that wasn't anything to do with me and a liability for an amount whilst I was living in a different county at university. DCA threatened to send in the heavies, wouldn't budge, demanded £700 a month. So: Wrote to DCA telling them to back off (letter below) - didn't hear anything back Wrote to the council tax office in my old borough, copied to my local MP in the old and current borough (because the DCA were local) Called and called the old local council tax office to speak to the manager (by name) who didn't call back and followed up the calls with letters documenting all of my calls and letters Copied everything to my local MP and the old local MP Eventually the manager of the council tax office got in touch apologising for his lack of response and took the account back inhouse Bill was investigated by Council Tax manager Now received a new bill which is significantly less than the original (now £500 and have an option to pay by affordable instalments So stick with it, find out who is the manager of council tax and don't bother with the call centre bunnies and write and call and write and call and copy your local MP about the fairness of the claim and the aggressiveness of the DCA There is a letter on here for DCAs telling them you know your rights, send that and don't make any other phone calls to them, only correspond by letter and only with the template on here, just keep repeating yourself if you have to. _____________________________________________________________ Xxxx Xxxxxxx Dear Sir/Madam, Re: Case ID xxx I understand xxx Borough Council has appointed you to recover my Council Tax Liability arrears between 1999 and 2003 amounting to a total of £xxx inclusive off fees. Firstly I would like to make you aware that I am fully aware of my rights and you will not gain entry to my home under any circumstances to levy goods and I know the fees allowed under statute and when these fees can be applied. I have requested that xxx Borough Council take back this debt pending investigation into the amount owed and that I am not in fact liable for one of the addresses at all. I have said to xxx Borough Council that I am not at any point refusing to pay the part of the debt which is truly outstanding and will advocate a payment schedule to cover the principle once a final amount has been agreed. This will be a realistic offer that is affordable to me and will allow me to pay future bills issued for Council Tax without them falling into arrears and to cause hardship and will be payable directly to xxx Council by standing order on a monthly basis. Please also send an itemised statement of account that clearly shows what charges have been added and what for, you are required in statute to supply this information and I look forward to this within 14 days. I am sending the council and my local councillor a copy of this letter and requesting that it be filed with my account for further reference. I hope the above meets your approval and I look forward to your timely reply by letter. Yours faithfully xxx Cc Manager xxx Borough Council Local councillor xxx Borough Council Good luck MR2008:)
  5. Dear all out there. Can anyone give me a hand on my Lloyds CCA because I have my court form ready to claim back charges but want to find out if this is enforceable first. Best regards Maisie
  6. Thanks Foolishgirl Here is the link again: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/188735-agreement-enforceable.html#post2032385 Maisie
  7. Hi Clemma I have sent this letter off now but I keep receiving letters saying things like "last chance to get help paying", "call us by 3pm today" etc etc. But I haven't called them at all, just dealing with them by letter. Do I need to respond to these at all? Grateful for your help C
  8. Hello I was wondering if anyone could help me on these threads I have created: http://http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/188735-agreement-enforceable.html This is for LloydsTSB. I have received a letter from them which is the first I've received for a while. I don't understand what they are saying! It says: Account number: xxxxxxx Period covered by statement 19th Feb 2008 to 12th March 09 Loan period: unavailable This is the date of the first movement of your account Loan amount: unavailable Interest Rate: 0% This rate has applied thoroughout the period of the statement to the whole outstanding balance and will apply for the remaining term Term of Agreement: Unavailable This is ythe duration if the agreement as provided in the agreement and does not take into account anything that could vary the term, for example if you take a aymnt holiday or make an overpayment Opening balance: £xxxxxx Transaction details: date description amount£ Closing balance £xxxxxx More information This statement does not contain all the information which you are entitile to receive from us about your agreement. If you would lie to receive this extra information please get in touch with us to obt5ain it. We are required to provide you with this information at no additiona cost within fifteen working days of receiving your request for it. Paying less that the agreed sum if you pay less than your agreed paytmentin most cases it is likelyt to take you longer and may cost more to pay off the debt under the agreement. If you have difficulties making payments under your credit agreement please contactus if uyou have not already to discuss terms for the rest of the agreement. you may also want to seek advice on whaty do do from an independent free advice agency such as the CAB. Dispute resolution If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handle your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the ombudsman. We can provide details of howto contact the ombudsman. Settling your credit agreement early you can settle this agreement at any time y giving us notice in writing and paying ffg the amount you owe. If you wish to settl early you should contact us for a final settlement figure. not signed Weird huh!? Anyway, I would be most grateful if there is anyone out there that can tell me what this means and whether my agreement (on the link) is enforceable. I have the papers ready to take to the court to claim my bank charges back but would like to clear this up first. Best regards Thank for any help maisierider2008
  9. Thanks! Any other opinion on this one? Many thanks c
  10. Does anyone else have an opinion on my LloydsTSB CAA? Would be most grateful for advice. C
  11. No, each page is on it's own sheet no back to back pages, but they would have copied them to send to me? mmmmm..... What would your opinion be on my next move?
  12. Brilliant, thanks! Will look forward to hearing from you again.
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