Hi, how does this sound? If it gets your seal of approval it will be posted forth with!! Can't believe my first letter to BLS was dated 17th March 2010....how time flies Dear Sir/Madam Re: Account / Policy number: 123456789 With reference to your letter dated 10 March 2011 on the above account. I am now of the belief that I was mis-sold a PPI policy in respect of this account due tothe fact I did not ask for thiscover due to my employment being secure enough to cover any payments should I become ill. What I expect from you is justification that the policy was suitable for me based on my circumstances and an explanation as to how your suitability criteria works. If you cannot justify this to my satisfaction I request a full refund of all premiums paid to date as well as interest on these payments. As I believe I have been deprived of this money I also expect an interest element to be added to each sum, at a suitable rate and using a suitable calculation method, as a compensatory gesture. In respect of cancellation of a policy may I draw your attention to the following reports from the FSA, namely, 'The sale of payment protection insurance - results of thematic work, November 2005' & 'The Sale of Payment Protection Insurance - results of follow-up thematic work, October 2006'' that state "When consumers cancel the PPI without repaying the loan, some firms will need to reissue the loan without the PPI. Firms should ensure they treat their customers fairly in relation to the terms on which they reissue the loan.". This means that any new loan is on the same or better terms and does not detriment me in any way and that this is to be done without making a new search on my credit file. I expect a swift response to this letter within 14 days, containing either your full justification or notice that you will be refunding these payments. If I do not receive a satisfactory response I will issue another letter notifying you of my intention to take further action if the matter is not resolved within a further 14 days. After this limit has passed I will be either contacting the Financial Ombudsman to investigate my complaint or issuing court proceedings. There is the other issue of a £1 postal order, which was sent to BLS on 17th March 2010 with a covering letter as a formal request for them to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. With regard to the £ postal order it was taken off the balance and was not used for what I requested it for. This is a misappropriation of the statutory fee. I therefore wish this to be returned or face further action. It specifically states in the CCA request what this postal order is to be used for. Yours faithfully, Name

Hi, how does this sound? If it gets your seal of approval it will be posted forth with!! Can't believe my first letter to BLS was dated 17th March 2010....how time flies Dear Sir/Madam Re: Account / Policy number: 123456789 With reference to your letter dated 10 March 2011 on the above account. I am now of the belief that I was mis-sold a PPI policy in respect of this account due to the fact I did not ask for thiscover due to my employment being secure enough to cover any payments should I become ill. What I expect from you is justification that the policy was suitable for me based on my circumstances and an explanation as to how your suitability criteria works. If you cannot justify this to my satisfaction I request a full refund of all premiums paid to date as well as interest on these payments. As I believe I have been deprived of this money I also expect an interest element to be added to each sum, at a suitable rate and using a suitable calculation method, as a compensatory gesture. In respect of cancellation of a policy may I draw your attention to the following reports from the FSA, namely, 'The sale of payment protection insurance - results of thematic work, November 2005' & 'The Sale of Payment Protection Insurance - results of follow-up thematic work, October 2006'' that state "When consumers cancel the PPI without repaying the loan, some firms will need to reissue the loan without the PPI. Firms should ensure they treat their customers fairly in relation to the terms on which they reissue the loan.". This means that any new loan is on the same or better terms and does not detriment me in any way and that this is to be done without making a new search on my credit file. I expect a swift response to this letter within 14 days, containing either your full justification or notice that you will be refunding these payments. If I do not receive a satisfactory response I will issue another letter notifying you of my intention to take further action if the matter is not resolved within a further 14 days. After this limit has passed I will be either contacting the Financial Ombudsman to investigate my complaint or issuing court proceedings. There is the other issue of a £1 postal order, which was sent to BLS on 17th March 2010 with a covering letter as a formal request for them to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. With regard to the £ postal order it was taken off the balance and was not used for what I requested it for. This is a misappropriation of the statutory fee. I therefore wish this to be returned or face further action. It specifically states in the CCA request what this postal order is to be used for. Yours faithfully, Name

Hi Tingy and everyone else for your replies, I will be writing to Lloyds with your draft letter, however even though I do have the original agreement regarding PPI should I tell them I have this agreement?! the reason I ask is that will they not then say that if I have the agreement it is enforceable?! I probably don't actually know or understand what I am talking about really and I apologise if I this question is a bit daft! Thank you x

Hi Bazooka Boo, wow thank you for that. Is there a template letter I can use for that or shall I send the same letter that I sent to BLS in the first place but add bits in such as the £1 postal order and the PPI? Thank you

Ok thank you. Do I need to send a pound again? Also should I mention that there is PPI on this loan which if it came off would thankfully reduce it slightly? I have not written to Lloyds at all but have sent letters to BLS, using templates from another cagger so should I just send the same letters that I sent to BLS? Thank you

Hi, sorry my thread didn't appear to include the long saga. I have written and sent £1 requesting a CCA a good few months ago. BLS took the pound off the o/s debt and said words to the effect of that they didn't have the originla agreement and it was unreasonable to expect them to have it after so many years. I don't really know the best course of action, I have sat it out up to now but I really don't know how long I will have the bottle for!! Thank you

Hi, this is quite a long running saga and I have had some great advice on here, however after a 4 month period of not hearing anything I now have a letter from Lloyds, after paying BLS for over 10 years and getting passed on to Moorcroft as I didn't pay for about 12 months I have now been passed back to Lloyds. My question to you good people is do I make an offer of a small monthly payment or do I carry on ignoring? although I do worry a bit about the latter! Many thanks and this is a link to my other posts if you want a catch up! http://www.consumeractiongroup.co.uk/forum/showthread.php?281392-Moorcroft-Debt-Recovery-Limited-What-do-you-think&p=3339760&highlight=#post3339760

Hi intend, sorry just realised I made an identity mistake! I really don't know what to do. Should I just keep ignoring it but I am getting a bit worried now as I really don't want to go to court or shall I just offer a small monthly payment?

Hi BB, What are your payments? are they v small compared to what they should be and is it a large debt?

Hi, It was a loan taken out over 10 years ago, Lloyds letter says £21,832.53 but this inclu PPI which I didn't ask for. I think I stopped paying around 12 months ago. Thanks

Thanks t_ony, take it that means ignore it!. Do you think they will take it further as there was a 4 month gap between correspondence?

Hi, it has been a while but this landed yesterday and I wondered what course of action if any I need to take? Do I make a token gesture of a small amount every month or do I do anything else. I am a little worried but will wait for any advice from you lovely people before I do anything. Thank you

They obviously don't! Actually just noticed the different titles at the top as you had said, like pre-court etc. This one says Home collections division, so does the personal calls thing mean they came round to my house?!!

Hi Bazooka Boo, thanks for your reply....it did make me laugh! Not sure if they have phoned or not as I do tend to ignore calls from numbers I don't recognise. I suppose I will just wait for the next installment from them. It always makes me feel better when I have been on here as I have found all this quite scary at times...........so thank you to everyone who has replied to me x

They do use a nice variety of fonts I must say..............just wish they would go away though!!

Think I have sorted it thanks x

Hi, here is the next letter that turned up. Will they just keep sending me letters or will they eventually give up and go away if ignore them?

Hi Sillygirl1, no I haven't, is this something I should do and if so is there a template letter for it? Thanks

Thank you so much for your replies, I always feel better when I use this site as you realise you are not alone!!

Ok, here is the latest letter I have received today from Moorcroft. Shall I just continue to ignore them? I was wondering whether to write and ask for them to take off the PPI premium or shall I just leave it? Thanks very much

Hi, and thank you for your replies. I have an outstanding loan with Lloyds and have been following the advice of others on here and gone through the process of letter writing and have recived a letter from BLS collections who have been dealing with this for over 10 years saying that they do not have the original credit agreement. My original thread is here http://www.consumeractiongroup.co.uk/forum/showthread.php?251522-Bls-Collections-Help-Needed-Please&p=3170138&highlight=#post3170138 Please let me know if you need any more info. Thanks

Hi Bazooka Boo, thanks for your reply. Please let me know how you get on. Thanks

Hi, can I claim back PPI charges on an outstanding debt with Lloyds even though Moorcroft are now on the case and if I can does it just come off the outstanding balance? Would be great if it came to me as I couldn't half do with a bit of money as sick of being overdrawn!! Told you it was a daft question!! Thanks

Ok, thank you. So do I just keep ignoring them?

Hi, following this with interest as I am getting letters from Moorcroft. I read on your post that you claimed the PPI charges, can I do this with my debt with Lloyds even though Moorcroft are now on the case and if I can does it just come off the outstanding balance? Would be great if it came to me as I couldn't half do with a bit of money as sick of being overdrawn!! Thanks