Keep going and stay strong, I love the I know nothing bit in their letter. "providing information about what your concern is about" Good luck and dont let the b**gers grind you down. The only practicle help I can give is when they finally get the noose around their necks I would be glad to kick the steps away for you!

Thanks folks I am looking forward to the SAR for my wife and myself now and a quid it is! Right at the beginning DX smelt a rat so The SAR'S should be popping in the rat hole by now!

Jon "Did you sign new agreements when this happened?" Not to my knowledge it was some years ago. "When you say 'rolled into larger ones' do you mean you took out 'consolidation loans' to pay the smaller ones and have a bit of money to spare?" Yes that was the case. In the case of credit cards they kept just upping my limit without me even asking. Me being very short of money due to my health juggled all the balls in the air paying one with another and that is when they started the same trick with my wife. Finally in Feb 2011 my health went totally and the walls came crashing down. I will pay crackpot and AK at the same rate as TSB to show that I can honour the original agreement until such times as all relevant paperwork is produced by all parties with the proviso that it is returned to me if the original(alleged) debts can not be produced in the legal time frame, I wiii send by recorded delivery. My thinking on that is if things get silly I can say in court I kept to my side of the bargain., despite any hardship it may have caused my wife and I*. If you do not think this is a good idea please tell me and I wont do it. It works out a £70 which I would have paid TSB if they had not flogged the accounts in a hurry despite letters from them to the contrary dated May 2013 saying they would look at the accounts in another six months, all then sold on 24th June(my doesn't time fly!) Thanks again for your help, you are keeping me sane and I can sleep peacefully at night without going over these things in my mind over and over again! *As time progresses our health is getting worse and as this money is being paid out of our pension credit,attendance allowance and carers allowance our only income there will be more calls on this so I will may have to tell them a £1 a month or lump it All our medical problems can be proved by our Doctor and he is happy to write to them if required but it will cost them £32 each for my wife and I. I wont be paying it so stuff that for a game of soldiers! Paul

Thank you Bazooka Boo. T hank you for your help. I do not know at the moment which goes back to prior 2007 until I get a SAR back. All I know is 2credit cards will TSB swapped then from Maestro to visa or visa versa at some point. Loans were taken out pre 2007 and then rolled into larger ones, the dates escape me at the moment. The only ones I can be sure of are the one for 13,00 and a credit card for 2,500 given to my wife in 2010 when she was 68 with no income or assets. I will try and get what info I can but the advice was given to me by the CAB to bin it all including the begging letters as Lloyds had agreeded a payment plan(now we know where that all ended up) In their defense they could see how upset we were with all the demands and 3-4 calls a day from India and threatening letters. Just as a last comment I an glad you are sticking with me. Things that may seem easy to deal with by others go round and round in our heads and without you and this forum you think the worst. We thank you so much for being there for us. Maybe some would think silly old sods but our minds don't let go easily at our age. Thank you. My name is Paul btw and I dont care who knows it.

Sorry for the deay in replying. I have postal orders one for me and one for my wife to go to Lloyds TSB tomorrow for SAR's.( I have been unable to walk or drive since last week due to ill health but I am up and about again!) As I have been unable to really use my hands either I have some questions that I have wanted to ask, so here goes 1 I will be sending CCA's to both Cabot and AK who both "Data Controllers " on the respective alleged accounts. What information(true copies) do I need to prove they have enforceable agreements? 2 I would like to remind them of their obligation when "buying these alleged accounts" to honour the TSB installment plan arranged by the CAB and religiously stuck to by us Is that a wise thing to do?(Bazooka Boo I have just noticed you last question, yes I have a copy of the CAB arrangement made on my behalf with TSB. Sorry my bad in overlooking replying to you on that) Although both my wife and I are seriously disabled and live on pension credit and attendance and carers allowance we can just about afford the payments of £5 per account per month. We are not looking to get out of paying this arrangement but but the same token do not wish to be hounded for the rest of our lives to increase this. I am 68 and my wife 71 in a months time! Although I have more physical disabilities than physiological ones it is the reverse for my wife who could not deal with DCA's. So to end on a not to cheerful note I am likely to pop of first! BTW I am sure my questions have been answered here many time but I can't find then so I am sorry to ask again.

Should that barcode be deleted? Good luck didnotknow. Chin up you are in the right place with this forum!

Bazooka Boo 5 accounts in total with crapot 4 mine one wifes 2 with Aktiv K one of each. At the moment I do not know of dates a bit confusing at the moment so loans rolled into other loans some new ones taken out.I would think all loans if Lloyds did their fishing properly would have us both on loans post 2007. On the CAB yes I have evidence on that as they did it for us. Thank you for your help. One of the things I have now learned if a Bank throws you a lifebelt when you are drowning look out for the bloody great hook inside it!!!

I am sending 2 SAR's to Lloyds(one from me and one for my wife) should I just leave the SAR to crapot and send CCA,s instead. Another Question(sorry but if you don't ask you don't learn) As the CAB originally arranged my payment plan, should I also ask the Bank and DCA to get in touch with them as well (as they both seem to like to sprinkle letters around)?

First a thank you to this forum. Without you I would be running about like a headless chicken. This week due to my disabilities I was unable to walk or use my hands very well so instead of trying to get postal orders and write letters and post them I am taking a couple of days off from dealing with this and appreciate the world around me instead of debt for once Lloyds Tsb sent me a duplicate set of documents that I had already received from Cabot they will get a SAR sent to them tomorrow(they seem very keen to let me know they have sold the debt!) Also without you I might have got suckered by item 4 of cabots small print This is what they say "Cabot Financial(Europe)Limited is the data controller. You have the right of access to information we hold about you. If you wish to obtain a file ondata that we hold about you then you must write to: The Data Protection Officer. Cabot Financial (Europe) Limited, 1 Kings Hill Avenue,Kings Hill, West Malling ME19 4UA. We are allowed to charge a fee of £10 for this service and may request evedence about your identity (for example copy of passport or driving licence)in order to complete your request. Seems they do not mention CCA's and the fee for that in the small print. Let me think for a moment 5 accounts 4 in my name 1 in my wifes £20 cca on the same terms £5 or am I totally misguided?

Signed up to noddle got the activation email with pin. Tried to activate and it comes up with incorrect user name or pin(def correct) Emaied them for help. Not there till monday so I will have to wait a couple of days. Annoying as you have got me fired up to get on with things. Sorry if I post too much but I like to keep you all in the picture. I see many threads on the forum where people ask for help and it is freely given only for them to take advice and disappear without giving a result or thankyou. I am not one of those!

Will do dx the more I think the more I agree with you, something is not right here. The only reason I rang them was to get account numbers for standing orders rather than the "helpful" DD form supplied. I have been self employed for 30 odd years and I still can't get my head around why anyone would buy £45,000 of debt that produces £25 a month unless they can see some opportunity for them? I will dig in as I like you someone is hiding something somewhere. They must have(assuming they have) bought these debts very cheaply. Clearing the books of bad debts prior to flogging off Lloyds maybe?

Double post sorry

No I have not given them any bank or card details. All I have said is I will set up Standing orders myself to replace the Lloyds ones. I will sar Lloyds by monday. As the letters from ths DCA's included a notice of assignment from Lloyds so why do I CCA them? Obviously I wll do as you say as if I ask for your help I will act upon it. Thanks dx. The only reason I rang them was to get their account details. I will be out for a couple of hours now but will come straight back to you on my return if you reply.

No I have not given them any bank or card details. All I have said is I will set up Standing orders myself to replace the Lloyds ones. I will sar Lloyds by monday. As the letters from ths DCA's included a notice of assignment from Lloyds so why do I CCA them? Obviously I wll do as you say as if I ask for your help I will act upon it. Thanks dx. The only reason I rang them was to get their account details. I will be out for a couple of hours now but will come straight back to you on my return if you reply.

Lloyds have just sold the other 5 to Cabot, so that I preume is why I can't access my Lloyds computer banking. I don't have accounts with them any more! I have spoken to both Aktiv and Cabot who both said they are happy with £5 a month on each account by standing order. Cabot even went so far as to say that they could reduce the amounts of repayments if I was in further hardship!!!(really?) Both said they would review the situation in 6-12 months. and are happy with standing orders. So I will set them up myself as requested. So can I still SAR Lloyds as I would like to see if they are hiding anything? Also is there any further advice that you can give me or wait to see if all this goes OK or if there is a sting in the tail somewhere? Thanks again folks for being there for my wife and I It is more comfort than you know!

Right I have my last communications from TSB(from copies sent to CAB who handled this 2+ years ago. Credit card in my name £7,791.91 " " £7,328.05 " in my wifes name £1,672.68 Loan in my name £10,370.03 Their seems to be one missing in my wifes name for about £11,000 and one in mine All dated 3rd June 2013. All accepting £5 a month subject to a regular review. All these payments have been made on time and not one missed or late. On reflection I did get a letter 2or 3 months ago saying any money owing would be put towards clearing some of our debt or similar wording. The reason for being vague is both my wife and I are disabled and our physical and mental health has been and is not goo so as things seemed to be going along to plan it was a worry I could not deal with at the time. The current account is the only one that would not be accepted by TSB as a standing order for some reason but I paid that into a TSB branch using the slips provided by them. I need to pay this by the 12th of this month TSB say they don't want it but pay Aktive kapital I have their ident number and ref. Who should I pay by Friday as I do not want anyone saying I am a late payer? I will try and find what documentation I can but in light of the CAB saying it was all done and dusted I am not sure I have it all. BTW Lloyds tsb online banking cannot be accessed by my despite the correct login, it keeps coming up with the message" there is a fault at this time" so I cannot check this May I have you advice on my next move please? Thankyou all for the time and effort in helping us so far it is very kind of you

credit cards £17,000 approx(2 of mine 1 of my wifes) current account £1,700( the one they sold off) 4loans £25,000 approx(3 of mine one of my wifes) Figures are approx as I am looking for statements

2Grumpy From their letter and I quote, You can make payments to us by: Making a card payment over the phone on 0800 180 8422 Setting up a Direct Debit or Standing Order wth us over the phone Paying directly to our account through telephone banking To me that rather smells of Bovine Excrement on the standing order bit and I do not think it wise to give them my card details either! Maybe a little late in life but just perhaps I am wising up a little.

The loans were to refinance each other. It seemed every time I went into the bank to discuss my account I had such a "wonderful" credit rating I ended up with a deal which ended up with me with a new larger loan(very stupid I now know) Still I suppose they were trained well and were happy to put their commission before my best interests. I was self employed so I never took out PPI on anything. The account they sold was my current account,which they closed and turned it into a collection account. I always had an overdraft facility and to the best of my knowlede never had any penalty for unauthorised borrowing as if I was close to the wire I always spoke to them. That is why I ended up with more and higher loans. What I don't understand is why any company would want to buy a debt that is being paid back at £5 a month unless they bought it for complete peanuts! I will write more after I hopefully here from you but It is difficult to give you anymore information until I search about and see what other documentaion I can find .Apparantly I can set up a standing order with them over the phone. I don't think that is wise, do you? I am quite capable of doing that myself with computer banking.

My wife and I have debts totalling £45k to Lloyds TSB (the CAB arranged £5 a month two years ago on each £40 a month in total) These are 3 credit cards and 4 unsecured loans also bank account that I forgot that is the one they flogged to Aktiv Kapital(uk) I think. I will atempt to search through the mountain of stuff TSB sent over the last 2+ years The CAB said bin it and just keep the statements every six months. I have never defaulted on the payment plan above and make sure I never give them reason to complain. I check my Santander account and make sure that all payments by standing order are paid on or before time. what type of debt have a kleaners got? With you now:-)

Sorry I do not understand the question.

Wow! 2 replies in nine minutes thankyou both so much!

I spoke to Lloyds TSB and were happy with the arrangements of £5 a month on each debt owed. Today I got a letter from Aktiv Kapital(uk) Ltd who advised me they had purchased one of the debt fron Lloyds and all further payments should be made to them. £1700 owed in total. So Having had a quick Google of this lot I ask the following(BTW I do not dispute the amount) 1 They have asked me to pay them. I am happy to give them the £5 a month arranged by the CAB with Lloyds,do they have to abide by this? 2 Should I expect any shenanigans from them to try and squeeze more out of me and are they in their rights to do this? I will not respond to them until I here(hopefully) from this forum. Any other advice would be extremely welcome.

Thankyou citizenB I will definately take your advice. It is nice to know such a helpful bunch are around.

CitizenB In answer to your questions. They were aware of our health issues in a letter from our Doctor 2 years ago. Since then things have got worse for both of us.Do you think its worth getting an updated one? Our Doctor was quite strong with then and told them to get off our backs then(that was when we had the Indian call centre 2-3 times a day) We get letters/statements every six months on each account with words to the effect we are in arrears but keep paying the £5 on each account. Apparantly its a legal requirement for them. All Interest was stopped 2 years ago when the CAB were involved We are not in arrears with any payment plan agreed with them or anyone else for that matter My concern is not getting stuck with a Charging Order or having to sell our house. Give me something mechanical and I will understand it but financial things I am a complete numpty! Again thankyou and other members of the Forum for helping me