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Steddy_eddy

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Everything posted by Steddy_eddy

  1. Help please: Lloyds Sold my credit card debt to Cabots in Dec 2012. Chased Cabots for CCA - they didnt have it - Account now in dispute - They said ask Lloyds for it... Have asked Lloyds Paid my £10, they have sent me a shed load of chack, but more interestingly the attached letter.... Now, Lloyds sold my debt to cabot without the CCA, what should I do with A) Lloyds & B) Cabolt??
  2. Hi, A bit of help required.... Lloyds have sold my debt to Cabot financial, now the account with Cabot is in dispute as they cannot locate a Copy of the CCA. But Lloyds are still showing the debt on Experian but list it as a Default that has been satisfied and Cabot are showing the the same debt as a default but with the current balance. Surely only one company can list a default for 1 debt? What should I do? I have already hit Lloyds with a SAR. Thanks for any assistance.
  3. Hi, Sent my £10 chq which has been cashed plus a SAR to Lloyds for a Credit Card debt they sold. they have now breeched the 40 days and I have had no response. What letter/Template can I issue next?
  4. Yes fairly hefty I know..... No idea why it was sold, as I was payin it back at £20pm
  5. Great thanks.... Happy to yank there tail until it comes off!!! but now we are in a bit of a deadlock. Can i write the in Information Commission or the Ombudsman to try and get the data removed from the CRA?
  6. Cool Thanks..... Can i send anything else to 1st Credit? as they have pee'd me off with there response. And there refusal to remove my data.
  7. Ok... sorry to be think BUT what is a IBA?
  8. What chaser letter can I send to LloydsTSB for the SAR?
  9. Sorry to be clear SAR went to LloydsTSB (they have cashed the £10 chq) not heard a peep and its a Loan
  10. Hi, bit of advice have issued them with a CCA request after Lloyds Sold them my debt. here is there response. Account is now in dispute? so I will send that and then what??
  11. Ok my debt has been assigned to 1st Credit by LTSB ( I only know this has now 1st Credit has made a new entry with Experian) I have hit 1st credit with a CCA Request and a SAR on the 16th August 2012... They acknowledged this but provided nothing on the 9th November I hit them with "Account in dispute" attached is there response. What can I do next??
  12. I have made full and final payments to 2 creditors, for less thanthe outstanding debt. But they were happy with it. How should the file be marked ith the CRA's?
  13. I have agreed with 2 different lenders full and final payments. It was less than the outstanding debt, but they have agreed to this and I thought this was the matter closed.... However my credit reports lists them as default. I was lead to believe these would now be marked satisfactory? Some advice please
  14. Experto, Bought my MBNA Credit debt some time ago now! I have noticed from my Credit file with Experian they have registered the account in there name for the full outstanding balance! Question. 1. are they allowed to do this? 2. surely as they didn't send the DN they cannot place it with the Credit ref agencies? 3. How would I go about getting them off my file? (if at all?)
  15. Thanks for the comments... Fair point i will write back to Experto saying that. Also is it worth anything that they took nearly 4 months to send me the CCA? Should i report them to OFT and is there a letter I should be sending to them?
  16. A little advice please... My Credit card debt has been sold to Experto and they are chasing the debt, I have a letter of assiggment from them stating they have bought the debt. I have issued them with a CCA (which they have sent through after 3 months) and in the meantime I hit them with a Account in Dispute, but as I now have a signed CCA, (which is unreadable and take's up half a side of A4). Should I hit Experto with a SAR? or MBNA? Or write back saying the CCA is too small and illegible and refuse to deal until I have a legible one? Thanks in advance:?
  17. That’s really bad, so sorry to hear that... makes me think weather I should just pull my case as well!!! to help keep the legal costs down.
  18. Ok thank you... I have not checked the CCA as they have not provided it to me despite 2 requests... Sounds Interesting though, where should I start?
  19. Sorry should have said.. I am the defendant, A&L are the claimant and Shoosmiths are there Sols.
  20. Need some advice, have got the AQ stage with A&L on a personal loan and the cut off date was yesterday, I have filed my AQ with the court, but A&L's solicitors (shoosmiths) have not done so. What does this mean?
  21. Really keen to know how you got on the suspense is too much!!! I am about 2 months behind you with Alliance & Leicster
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