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About hidebait

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  1. Hi, Just to add some info that might help. I had an accident where someone hit me from behind at less than 20 miles/hr. Did about £700 damage. I had an underlying shoulder injury and the accident caused whiplash and exacerbation of shoulder injury. Thru my insurance company i claimed for injury and was seen by medical experts. As a result i had physio paid for and recieved £3000 compensation. Took 3 years in toatal to sort out, but thankfully have no lasting neck damage. Points to note: Did your mum seek medical attention following accident Time off work? If so, then seek injury claim thru your insurance solicitors.
  2. I agree with Bazooka, report them to police for fraud, and send copies to OFT. I might also be inclined to write to whoever was the original creditor and show them what illegal practices their debt collectors are undertaking.
  3. If you can, it might be worth reading up a little about The Disability Discrimination Act. It gives you a brief outline about long term sickness and the employment law. It might help you understand your rights and your employers responsibilities. Good Luck
  4. When i say current account ,I had a current account that was overdrawn. Each time i became overdrawn my nice bank manager propped me up with a loan or increased my overdraft facility.
  5. Cannot remember. Think some of it was loan, some current account and some overdraft. Does it make a difference?
  6. Still nothing from Credit security, re account in dispute. Do i need to do anything else at this stage?
  7. Hi, weatherwitch. I never got letters from BLS because they never updated their records when notified of change of address 4 years ago. So they passed mine on to credit security ltd, who sent a couple of threatening letters, cca'd them, got the same response as you. like you i will keep an eye on posts to see what they do. I have had no respnse to my account in dispute letter sent a week ago.
  8. LLoyds must be having a spring frolic..... i received the same letter instead of my cca, but requested mine through credit security ltd. Sent the account in dispute / failure to provide letters but nothing back as yet.
  9. thanks, sent today wait and see what comes next
  10. Just a quick question? Do i still need to put i do not acknowledge any debt on this letter? Thanks
  11. Received a letter from CSL today on LLoyds headed paper. Statement from 4/09-4/10 Loan provided : unavailable interest rate 0% Terms of agreement :unavailable Opening balance £6000 or therabouts Closing Balance £6000 or therabouts minus one payment. ( I made 3) Says statement does not conatian all information, and if i want it, to contact them again. Next step.... failure to provide letter and account in dispute letter?
  12. Fraud department at Halifax siad that CSL requested a copy of CCA on my behalf. Letter with my adresss and details but sent from CSL. I asked CSL for CCA in Jan, but no response from them. Nothing on file. No defaults or anything. Should BLS defaulted before selling this on? I just need to wait to see what CSL do.
  13. Update: Yesterday i got a letter from Halifax thanking me for my statutory request? Never made one! Talked to their complaints department to find that it was credit security ltd aksing on my behalf! Do halifax own lloyds tsb now? The lady said they have no records on me so were unable to provide info to cred sec ltd. I have heard nothing from cred sec since my request in january.
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