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dirtymonkey29

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  1. Hi, my partner received a letter from robinson way about an old credit card debt which is past the deadline for legal recovery and is now staute barred. No payments have been paid for at least 7 or 8 years. I sent the statute barred letter about 4-8 weeks ago and they replied saying they would look into it. We forgot all about it until we got another letter from them today saying: Please note we have not received a response from the original seller. This note is to let you know that we are continuing to seek an update, we will let you know the response as soon as we hear; your account remains on a temporary delay. Thank you for your patience. Obviously stalling as they cant find any details. I need help with a response. I did look in templates etc but couldnt find anything suitable to send back but I would assume they have a time limit to either prove the debt is valid or to close it and not bother us again. Any help greatly apreciated.
  2. more to come on this.....had statements sent from 1st credit a while ago but have filed it away as my father in law had a stroke and heard nothing from them for a while. i have recieved there "we are able to offer you a generous discount" letter today. I will pull it all out tomorrow and update again but will need some help in what to do next.
  3. I have constucted a letter to send to lloyds, csn someone give it a quick look and advise of any changes nessesary? Dear Sir/Madam Account:xxxxxxxx Thank you for your letter of 19th March 2009 the contents of which are noted. I enclosecopies of the original SAR and letter before action. The original SAR did have an incorrect sort code which after some investigation I can supply the correct sort code of: xx-xx-xx. As I have been able to source this information myself it leads me to believe that you are stalling for time as a search on my account number alone would have provided yourselves with the information required. I remind you that you are well outside the statutory 40 day limit for the subject access request, and also outside the time limit for the follow up “letter before action” letter. I would like to make clear my account and sort code number so there can be no confusion between this letter and the enclosed copies supplied: Account number: xxxxxxxx Sort code: xx-xx-xx I anticipate this account/debt to be made up wholly of bank charges as I have never knowingly had any loans or overdrafts with Lloyds. Also I have only ever held an account with Lloyds to my knowledge in 2001/2003 when I was refused an overdraft facility. Due to the above facts, I would ask that you take this debt back from your appointed debt collection agency (1st credit ref-xxxxxxx) and close this account while returning the £1345 already paid to 1st credit, who have completely failed to supply any details of the debt owed and consequently resulting in my refusal to pay. I also require the removal of any default notices placed on my credit file as unsubstantiated. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully
  4. looking for some desperate help with the thread below http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167267-1st-credit-5.html thanks in advance
  5. i will send them a copy of the original letter/SAR, but i would like to send them an additional letter requesting that they stop proceedings/collections and take back the debt from 1st credit, remove defaults etc as they have well exceeded the time limits and have no details of the account. i just need help with writting the letter.
  6. finaly got a letter from lloyds, as follow: Thankyou for your letter dated 9th March, which i have returned to you. Im afraid i couldnt find your bank account from the information you gave us in your letter. Could you please send the letter again adding one or all of the following: * your branch sortcode and account number or *Your collections centre reference number or * your surname and postcode, clearly written in capital letter Im sorry for the delay in replying to your letter. If you wish, you can call us on the number above so we can deal with your request as quickly as possible. Please contact us as soon as you can. First off i have supplied them with the sortcode and account number, they also have my full name, address and address i was living at when i held the account. How do i respond to this letter as it is a responce from the letter before action letter i sent previously on the 9th of march meaning they are well outside the Subject Access Request sent 01/01/09 and LBA sent 09/03/09. Can i get them to write off the debt as unsubstantiated and also get them to remove all defaults on my credit file, and can i also ask them to refund the £1300 all ready paid to the collections agency they have used? Urgent help appreciated
  7. can i just write to them and tell them they already have have all the information already and as they have past the regulated time period to remove defaults and stop all collections procedings with there client first credit?
  8. finaly got a letter from lloyds, as follow: Thankyou for your letter dated 9th March, which i have returned to you. Im afraid i couldnt find your bank account from the information you gave us in your letter. Could you please send the letter again adding one or all of the following: * your branch sortcode and account number or *Your collections centre reference number or * your surname and postcode, clearly written in capital letter Im sorry for the delay in replying to your letter. If you wish, you can call us on the number above so we can deal with your request as quickly as possible. Please contact us as soon as you can. First off i have supplied them with the sortcode and account number, they also have my full name, address and address i was living at when i held the account. How do i respond to this letter as it is a responce from the letter before action letter i sent previously on the 9th of march meaning they are well outside the SAR sent 01/01/09 and LBA sent 09/03/09. Can i get them to write off the debt as unsubstantiated and also get them to remove all defaults on my credit file, and can i also ask them to refund the £1300 all ready paid to the collections agency they have used? Urgent help appreciated
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