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dirtymonkey29

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Everything posted by dirtymonkey29

  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;
  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 provi
  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 quickl
  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 quic
  9. yes i have all copies and proof of delivery with signatures. what can i claim for? ie the whole sum of debt owed plus damages etc. also the bit in there letter "We thurther note that to date you have paid £1345.00 thus admitting liability and leaving a due balance of £1370.05, we therefore would ask why you have paid nearly 50% off a debt you do not recognise." do i need to answer that in the letter i send them?, as i have said they never gave me any details of the account just threatened bankruptcy etc. could i report them for using such tactics?
  10. yeah i sent the subject access request to lloyds and they didnt respond. i have since sent the non compliance letter, and heard nothing. this is well out side the 7 extra days after the sar's 40 day period ended. I dont know charges are involved as i havent had any responce at all. what letter do i need to send 1st credit in responce to their letter. (i never sent the cca letter too lloyds as its not valid on account/overdraughts, just the sar to find out what im being charged), and whats my next step/letter for lloyds?
  11. new letter from 1st credit.....need help please.....the letter i recieved is as follows: 1st credir ref: xxxxxxx Thankyou for your letter of the 9th March 2009 of which the contents are noted. In this instance, the account to which we refer is a bank account with overdraft; therefore is not a relevant account for the purpose of the consumer credit act. Therefore we are not obliged to provide an agreement and no statutory consequences will apply. This is based on the advise of our barrister. In this instance we did make the request to our client and they were unable to provide us
  12. i dont know? it was the subject access request i sent to lloyds tsb which i have had no details from yet.....well outside the 40 days.....i am sending lloyds the letter before action letter giving them a further 7 days to respond by recorded delivery when i finish work tonight
  13. Also i got a my credit file recently and 1st credit have marked a default down on my credit file (callcredit) from march 2008. I have never had any payment plan or acknowledged any debt to this company, and i have certainly never had anything default notices through the post from them. Can i get them to remove it, and again are there any letter templates i can use. This is all getting me seriously down trying to find time to sort all this out with a new baby to look after. once again all help appreciated
  14. 1st credit have sent me a new letter telling me they have passed details onto the "pre legal team" threatining to obtain a ccj and bankruptcy. Is the follow letter ok to send onto them?: My address , 09/03/2009. 1st Credit PO Box 278, Reigate, RH2 7WB. ACCOUNT IN DISPUTE Your Reference: xxxxxxxxxxxxxxx Dear Sir or Madam, I must admit that I am rather bemused as to why this account is still being pursed by yourselves, as it is in dispute with 1st credit and Lloyds TSB, and has been since 01/01/2009, when I sent you a letter w
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