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alun_sundry

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About alun_sundry

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  1. This morning after letting Lloyds' internal colectors know of my health issues again, and pointing out about the Statute Barred matter, I've got a yellow Formal Demand from a Glasgow address. They're continuing to ignore what I say and not answer queries. Should I see this as their hope that I'm going to take out a loan and pay something? Should I ignore it? I've made it clear that I have the minimum amount the law says I need to live on (less in my opinion, and less than I may for health reasons be entitled to). I am curious as to what they would say if I asked verbally where the money is supposed to come from and am tempted to ring the 0141 number unless advised against it here. I spent Saturday night at my parents' and returned to find my door ajar. Most likely me not having my eye on the ball, being 'elsewhere' with my various worries, but I've even had the probably paranoid thought that it was opened by collectors and left that way as a warning. That's the only time I've ever done anything as crazy as leave the door open, but we've just had these new cr*p fire doors fitted and closing doors is such an 'auto-pilot' thing to do that the bang the new ones make might have made me think I'd done the job adequately. Eeh... The previous letter from them mentioned pursuing the amount in court. Are you sure I'm safe in terms of not having my already fairly minimal and basic possessions confiscated and that being on benefits, £90 a week roughly, I can't have that plundered? I'm anxious enough that I've started to imagine myself in a corner and defending myself with cutlery and a hammer. Thanks to anyone still happy to indulge me here.
  2. I see that 22 people have read my post. Can you let me know if I've not given enough detail or something as I would really like to get good advice on this and get things moving for my mum. Thanks.
  3. This pertains to my mother's debt with Capital One, which is entirely made up of charges. This is my biological mother, who I traced six years ago; whenever I visit I do feel quite distressed by the loans men coming on the door and other signs of struggling. Her health is bad, with terrible back pain, arthritis and mental health troubles. She is not very confident and has caved in to demands for some payments from time to time, but is literally unable to spare a penny at times. I have my own trouble with Lloyds, and no one is able to help her in the family. I asked how much she owes, having a stab at 2 grand, and she said it shouldn't be that high, but in terms that seemed vague enough to suggests it might be a grand or a grand and a half. The debt has built up from charges, as I understand it. I would like to be able to help get this one worry off her mind, so if anyone here can give good info that'd be great. The debt collectors' Capital One brought in start ringing at 8.30 just about every morning. I'm fairly sure at least that she can demad this stops because of her health, and also have read about an Act that means any individual harrassing her is personally liable should the matter go to court, which seems a good weapon. Lastly, in case my mother isn't 100 per cent sure, if things are favorable if she has only charges making up this debt, how different is the situation if there is any genuine owed amount among the amount. Thanks very much in advance. I'll look in here later.
  4. Thanks for further remarks there - the bolstering is certainly appreciated as much as the advice. It certainly would be nice ot actually claim that sort of money from Lloyds but the overdraft was generated through living expenses, in part of course because of the meagre amount I live on. Just unfortunate for me that I had access to that overdraft and hadn't forseen not being able to manage it. Even so, having learnt more of my rights and of the tiny amount of ethical sense that tallies up with law, Lloyds won't be getting anything from me. I have thought about applying for DLA sometimes but am wary of drawing attentionot myself when they're now clamping down on people who are ill in not immediately obvious ways like mental health. Just about to walk into town to get some overdue footwear for the winter having been given £20 by a friend for that purpose after seeing the rain soak through the bottoms my threadbare shoes yesterday, probably some indirect indication of the cowed and over-humble attitude I'm trying to get beyond. Good to have something tangible like the Lloyds gibbons to give such an endeavour shape in a way. Good luck to all reading in the same boat; apologies that I don't have the experience/knowledge to say anything specific. There ought to be protection for you against having your student loan taken like that though - that is the kind of thing I mean when I refer to ethical sense and law not tallying up. Devious of them and a thoroughly repulsive way to live and make a living.
  5. Yes, it's Lloyds' internal rottweilers 'BLS' - what a load of old flannel. I don't know whether that'll get passed on to a non-pretend one with louder bark but I'm sort of well-rehearsed because of earlier hassle with the Student Loans company - their cock up led to no fewer than five debt collectors contacting me and then giving up. Now the letter's turned up I'll get a reply off, at my leisure in the next few days - if they can't make a civil attempt to communicate I'm not going to rush.
  6. Cheers for that, I'll follow your advice about not calling them - gets my ear-hole that I'm expected ot fund a call in the first place really. At present I can't find their letter so I will have to wait till they write again if it doesn't show up. The charges are the ones for as they regard it 'unauthorised overdraft', laughably enough, so I don't need for them to account for it, it's just part of their crazy logic. I will send them a medley of two of the standard letters here, one about statute barred debts and the one prohibiting a visit. I'd feel a lot better if Lloyds had left it the full six years and not five though, although five may even have been a conservative estimate, maybe it _was_ six. I notice those emoticons are blue, maybe because most of us are blue in the face from talking to these Lloyds twonks.
  7. The current state of this is that I ended up going into the bank and ringing from one of their rooms to the supposed relevant department. Everything that was said seems to have disapeared into smoke. Debt collector's are now dealing with it, who;ve mentioned a visit. They ask me to ring. The amount has gone from £800-odd to £1300. I'm not too worried, because it's absolutely mad. If this is allowed and protected by law then we're in an entirely psychotic world. I am going to write an impatient letter in biro with angry underlinings of the main points and send it to the debt collectors. Lloyds don't seem to grasp the nature of communication. I have just gone back on an antidepressent very necessarily and hope I don't do anything rash once it alters the nature of my will, so to speak, i.e. either anger-wise or making offers. Why do the debt collectors visit if they can't take goods to the value etc? Will telling them that the entryphone system will make it a wasted journey be enough? Any ideas? Should I ring the collectors? Thanks.
  8. Thanks Mrs E Blackadder (nice - I was Dolly Hitler on another forum). Yes, no trouble getting out of bed in sunny weather right now but I will be back to that battle in a month or two. Principles are involved too - it took so long to get mental health issues treated in a civil way in the world that we can't concede about it now. I will look in a few times today and tomorrow to see what else is said. Ta.
  9. Great, this is sounding good, partly because of no worry about bailiff. At least I can use the term 'statute barred' now in letters too, hopefully they'll start to get deterred. Though I didn't hear from them for five years, the debt is seven or eight years old in total. Anyway, thanks, very encouraging, any further words from anyone are welcome.
  10. I was £800 overdrawn with Lloyds about eight years ago after having been a student. I have mental health troubles, am on benefits, a minimal amount, about £85 a week, which oftens runs out a bit soon involving eating out of tins or fasting. We went into a series of letters back then (2002-ish) which at one point meant I was paying £1 a month, before I was advised by legal people using another similar forum that being on the minimum amount the law says I need to live on I could forego even the pound, a daft and meaningless arrangement anyway, given how long the £800 would take to pay off. The last I knew of this account/ debt was from a phone call I made where the person I spoke to accepted that this was a bad unrecoverable debt case. Nothing in writing, admittedly, but FIVE YEARS' silence. With lots of other far, far more serious stuff to worry about and unmanageable dietary problems that have often made my days feel an unworkable trap I just thought the debt was written off. My half-brother had one written off fifteen years ago and never heard from the bank again. I wrote replies to the first letter that arrived a few months ago, and one from a month ago, but nothing's getting through it seems. It's like a computer's reading the letters. It seems like we're about to go through all the same nonsense we had all those years ago, and to be honest I've had it, it's so petty and cruel. I'm already worn out by my illness and I survived two grisly suicide attempts in my late 20s and don't want to end up that way again. The government with its bail-outs is enabling these businesses do this sort of thing. On the shop floor a bank is fair enough, I've got nothing against staff there and I'm no anarchist and am conscientious in all areas of life. Further into the company's depths though I just regard Lloyds as a criminal organisation now. I'm not going to pay. I've seen a lot of sickening things, survived a lot, and have a history that means I'm bound to not accept any attempts to treat me badly. There was a time when I'd have been happy to pay if my circumstances changed, but now I regard their letters and callousness as harrassment, and that they've foregone any moral claim to the money. I do have a modest few possessions that I'm worried a bailiff will take, but I'm also worried about what I might do if in a corner. I used a phone in a private room last week to talk to someone at Lloyds, in one of their branches, and was so angry that day with the latest letters that I was worried I would smash something in there, e.g. a computer. The bloke I spoke to seemed young and clueless, and though I didn't swear or raise my voice or wig out he'll have known I was angry. I've lost track of who is dealing with this now, it's all blurring into one, even in the last few months the case seems to have gone back and forth twice between different departments. The stress of this means I have to refuse to cooperate for my own health and self-preservation. Lloyds doesn't seem to realise the seriousness of the situation. I have told them all the grisly specifics, underlining that it's not blackmail but a practical necessity for me to tell them. I don't have any wants, except to left alone. I'm 38 but I regard myself as retired, (even the DSS doctors that assess me every few years don't challenge this). More than retired - just living very modestly, trying to work round health difficulties, not being any harm. I don't have anything to lose and certainly I'm not going to let a business impose on this modest existence. I'm not a trouble-maker, never bothered with drugs, always been ethically-minded. The letter from a few months ago said I was 'using' an unplanned overdraft. I haven't touched the account, I have no means to - no card, no PIN. As I say, I thought that the five years silence in addition to the contents of the phone call those years ago meant the debt was written off. I've asked them two things: why the five years silence, and where do they imagine the money will come from. Neither question is answered. It just feels like, the credit crunch is in progress so they've gone through their records in search of money they'd have let go otherwise. Any thoughts? Any way to simplify or end this quickly? As for the possessions, if it came to bailiff threats I'd leave the items with family. The auctioning would only raise about half of the amount, at which point I'm in a room with a bed and some second hand books and they still want half the money, it's just daft. What can happen? What's the worst? No prison risk? Thanks in advance. Any more info needed, let me know. I've been to CAB years back, I'm not going through any more hoops now, or doing any silly repetitive, demeaning tasks, I just want them all to get lost as quickly as possible.
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