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  1. I have too send SAR twice to lloyds simply because they say they didn't receive a request for the credit card even though I did state in the request all details they held on file for me to include all accounts as well but what they sent first time round was irrelevent material as in a tree forest of paper which meant nothing and the agreement purportedly signed by me. What I have now the information I requested the first time round! to be fiar to me I have tried and tried to get this sorted since 2008 and all lloyds have done is run rings round and that is not right and now this other debt collection agency is trying to do the same and thats wrong. I have gone through all the stuff Lloyds have sent me this time, and from what I can on their systems there is 3 different dates for this agreement, and when you do sign such documents the persons who signs always dates it as well. Well this agreement has two different sigs and the date signed in a completely different hand. The debt itself was written off by Lloyds after it was sent to external debt collectors , then it was sold in 2013 to the lowest of the low. The reason for this new thread is because I couldn't find the orginal amongst the oceans of posts to search through but I do apologise for any inconvience that was caused.
  2. Thanks for your replies greatly appreciated. I did see a note to stating that it had been sent to debt collection but that was in 2010 then 2011 it was written off and nothing further after that Until sept 2013 from the buyers so to speak. Its for a credit card and and its been disputed since Dec 2008 and no payment was made by me since Oct 2008. The default date would be Oct 2008 and that can be proved. I have checked my credit file and it does name the "new owners" but the default date is incorrect. How would I go about changin that please? There were a couple of others that are statue barred as well and the dates on them need changing or they need to be removed. This has been a real worry for me and its the 2nd SARS I have sent lloyds and they still haven't provided all the requested details.
  3. Hi I received today my SARS from Lloyds formally Lloyds TSB and I have two questions to ask please. 1: It says in part of the documentation that the debt was written off in 2011 and the balance was nil. It was then sold in 2013, am I right in thinking that as it was written off by the original creditor two years before they sold it, the "new owner" cannot collect on it? 2: Signed credit agreement, copy received throught the SARS and same debt as above, the date was not entered by me but on the documentation sent with the SCA is different to whats on the cca. Would that also make it unenforcable as fraud would have been committed? Would really appreciate help on this as I need to put this to bed asap and I am getting begging letters galore from these "new owners" and they seem to disregard any correspondance I send them. Thanks very much even for reading x
  4. jusst an update really, I am still in a stand off with HSL and they are putting it on my credit file but all the info is wron c
  5. Just an update : Still waiting to hear from the court in regards to setting the SD aside and heard nowt from Lowells or BWlegal. Is this the norm?
  6. update on this, still wiating to hear what the disrtict judeg has decided but bwlegal have sent me 2 threatening letters this week!! Both stating that they are going to file for banmkrupcty next week. I have rung them but you get a voicemail an am not leaving my number for them to hassle me by phone. What do I do now?
  7. All done and the district is in court tomorrow so am waiting with everything crosssed. I have just got back from the court to find a letter from bwlegal stating I haven't responded and the letter is quite threatening, to be fair I still have 9 days left to respond. Oh before I forget I also found correspondance that I sent to Sechari, Clark & Mitchell which are Lloyds TSB Solicitors and its dated 24 July 2009 and its states clearly that I was disputing the debt as they failed to comply to my request for further information and a complete breakdown of the debt. I also made an error in a prior post its 2010 since I last heard about this.
  8. Formfilled in and am off now to the court... wish me luck x
  9. crikey I just downloaded the forms an d even more confused than ever. Where it says title is that were my name goes or Lowells? am on the phone now to the county court and it appears that they should have been notes for me to help me with this but when I was served, I got was a letter from bwlegal and the stat demand. does this help.
  10. Hi all Last I heard about this was in 2009 when Moorcroft were chsing for it. I asked them for clarification and they never responded. It is a statutory demand and I think its for an overdraft but not sure. All it says on it is lloydstsb and bank account. In all honesty when I was served the notice it was the first I had heard anything since 09 about it. I have moved house but had a redirection in place for two years a nd recieved no correspondance in respect of this debt at all. THe guy who severed me was very intimatdating and he did it in front of friends who had just arrived. He was flashing the notice around so that others could see what he was giving me. There is no help info on the stat demand at all. So I feel like a car with no engine. If that makes sense. Thanks once again x
  11. thanks dx100uk very much appreciated. From what I have read thus far it appears I need to apply to the court for this to be set aside? This what I am unsure of, do I need to go to the court or is there a form to fill out? Pre 09 this was being chased by a few credit agencies all at the same time and the last one was moorcrofts.
  12. Hello Crikey I need help with this one. Lowells filed for bankrupcty petition on LLoydsTSB bank account. Last I heard from LloydsTSB was in 2009 until Oct 5th when I was served this notice. I am not sure what to do now and would really appreciated some help with this. The date on the letter I recieved is Sept 20th 2013 and I was served 5th October. I have received no assignemnt of from Lloyds and its an overdraft which they increased without my consent whether verbal or otherwise. Please help me
  13. Apologies for not getting back sooner than this mainly due to hospitals etc etc. Thanks to all who have responded, I do however have a couple of things to say.. The reason I requested SARS was to obtain the court case reference number so that I could complete (forget the number of the form) an N???? to have the case transfered to my local CC on basis that I was not given the opportunity to put in a defence. If they cannot give me this case ref for the CC, how can they enforce the judgement? Furthermore they seem to think its was a different CC than the one they used 13 years ago. There is nothing on the Ministry of Justice website in my name and the court they used 13 years ago well their records only go back to 2001. This goes back to my questionS, how can they enforce the original judegement without a case ref number and can they take me to court again for the same debt?
  14. Hi Andy Thanks so much for that. I had a feeling I was right and I was aware of staute of limitations etc. CHeers xx
  15. Hi All Hope am in the right place for this post. I need some clarification please. THe story goes... . if a company took you to court in 1999 and never enforced the judgement. You then sent a SAR in 2009 as they started hastling you to obtain the court reference and case number and then they referred you to original lender so you sent them a SAR and they returned your postal order stating they did not have any info about you on their system as the debt had been sold etc. My question is this can this company take me to court a second time to obtain another CCJ when they have failed to provide information when they were sent a SAR? Hope that makes sense!
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