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Everything posted by Gumboil

  1. I haven't moved house since the credit card was applied for in the nineties. Is it possible that they've used the electoral roll to check that I'm still living at the same address as I was in 2012? I'm inclined to sit tight on this one and see what happens next If I need to send the statute barred letter, can I just enter on the letter the account/reference number that was on the Cabot without entering my name and address? It would simplify matters and they should know who it's from. Many thanks for your help
  2. Hi I had a credit card debt with Providian that was sold to Cabot a number of years ago. The last monthly payment I made on the account was in July 2012. In August 2012, I wrote a CCA request to Cabot using the CAG template from the library. They wrote back stating that they would attempt to get the information requested within 40 days. In October 2012, Cabot wrote that they had not obtained the info I needed under S77/78 CCA 1974 and as a result, the debt was unenforceable. In the meantime, they recommended that I continued to make repayments to the account. Obviously, no suc
  3. Hi all You guys have helped me immensely over the past few years to send packing a number of DCA's that were treating me as a cash cow and I'm immensely grateful. I now need some advice about how to deal with a number of debts belonging to my niece that she's been paying £5 or so per month for a number of years since she was a student. She's been paying a called Debt Managers LTD based in Rotherham the £5 by DD with no contact with them for quite a while. She seems to recall receiving a notice of assignment from Lowlife a while ago about it and her current
  4. Hi all I've written about a credit card debt originally with Lloyds on here previously. The debt was managed by their own BLS Collections until I went into hospital and missed a payment, when without warning BLS sold it on to a string of DCA's one after the other. I was annoyed as BLS acted without even asking me why a payment had been missed. I've fended off five DCA's over this debt subsequently because each of them has failed to supply the original credit agreement. Oddly, I even have a letter from Lloyds who wrote to me directly after one DCA request
  5. Thank you both. I'll follow your advice dx100uk and ignore them. After all, they've now stated that they won't enter into letter tennis themselves so I'll abide by their wishes! BRIGADIER2JCS, they've still not disclosed the name of their client. Having admitted that they purchased the debt (see #22), I think they're going to have some difficulty! They can't be that good at reviewing their files, as they can't even admit that they've previously apologised to me for falsely claiming the existence of a client. Nothing about this on credit reference files. Thank you both a
  6. Robbers way got in touch with me again recently. In the letter they claimed that they were working for an undisclosed “client”. I’ve had one of these client letters a few months ago and was suspicious as it mentioned discounts for settlement. I wrote back to them at the time and the Complaints & Compliance officer replied that the client claim had been a mistake and they had purchased the debt themselves. I also pointed out they they had still not supplied the CCA documents required in their entirety and the account was still in dispute. About a month I
  7. I'm not quite following this. Surely the purpose of a CCA is to establish the right of the DCA to collect the debt. Having seen previous DCA's floundering around seeking original agreements (or copies thereof) and "suspending collection activities" until they can come up with the goods, surely a CCA request will fit the bill here again - two of my previous DCA's have backed off since I've disputed the validity of the guff they sent me. The only thing different here is that Wetcloths don't seem to have bought the debt from Lloyds. Would this make a difference? thanks
  8. Ok there have been further developments today. Wetcloths have been quick off the mark and sent me a red headed letter titled "Important Notice of Debt Collection". They state that they have been instructed on behalf of their client to collect the outstanding balance on their behalf. An adjacent box states that they are writing on behalf of Lloyds TSB. They want me to reply immediately to the letter either by paying the balance in full or contacting them by phone. These are the only ways I can avoid them taking further action. Failure to do so "will result in further recov
  9. Could you please explain the benefit of sending a SAR request to Lloyds rather than a CCA request to the DCA? I also don't understand how BOS are involved in any of this. Apologies for being naive over this. Thanks
  10. The Lloyds paying in book quotes a "Collection Account" at a Lloyds address in Brighton as the account to be credited.I've got no idea if this account is being monitored from Brighton, Oxford or Rosyth right now.
  11. I've just discovered that the address on the Lloyds letter ( Lloyds TSB Plc, Credit Operations, PO Box 66, Rosyth, KY11 2WG) is actually the same address and PO number as a company called Blair, Oliver and Scott who seem to be the in-house collection agency of HBOS according to other posts on this forum. Curiously, no contact telephone number is included on the letter Now I'm puzzled. Can I use this address to write to requesting the SAR? Do I address the letter to Blair, Oliver and Scott or LloydsTSB at that address? Alternatively do I write to BLS Collections? I've got no other address
  12. Yes, payments have ceased and they were followed up with a failure to comply letter. One of them did send me a clear, lucid copy of the original agreement but omitted to meet their other obligation which was to provide the current terms and conditions. They waffled off a reply when I informed them that they still had not complied that as far as they were concerned they had complied with my request and I've heard nothing since.
  13. This one was the last debt. I continued to pay this as it seemed to be the only one that was effectively still held by the lender and not sold off to a DCA. It just seemed as if the lender was in a stronger position when it came to recovering the money. I really don't know if I was right or wrong in this decision.
  14. Credit card was taken out in the late nineties. Yes dx100uk I did get the CCA's off as advised. It's gone quiet ever since.
  15. Hi all I’ve been repaying a debt I built up on a Lloyds credit card to a company called BLS Collections for a number of years. I understand that BLS Collections are a debt collection subsidiary of the bank itself and no outside DCA has ever been involved. I repay the debt of under £10 pm via a standard Lloyds paying in book over the counter at my local Lloyds bank branch each month. Lloyds supply a new book when appropriate. The debt balance currently stands at £600 odd pounds. Payments have always been made in a timely fashion and I’ve heard very little from
  16. I understand drop47. I stopped paying the account around May 2011, and sent the request off the same week. Thanks again.
  17. Sorry drop47. I wasn't thinking about court myself but about their threat to take me to court. the sentence actually reads: "Please note that being unable to provide the agreement does not mean that the debt does not exist or that we are not entitled to pursue you for payment, merely that we cannot enforce the agreement through Court until such times that we have complied with the request" What I was asking was that could they carry out their threat to take me to court after they've supplied what they consider to a be a clearer copy of the agreement? I'd also be very grateful if you
  18. Just received a reply back from Robbers Way Compliance Team. They admit to being unsuccessful in their request for a copy of the agreement under CCA 1974 for well over a year. They confirm that they were aware that no action could be taken against me until they produced the agreement and they suspended collection activity on the account until they could comply with my request. They then rattle on that a reconstituted agrement will suffice ( as if I didn't know thanks to you good folks). However, they admit the copy is of poor quality and they've returned to suspending t
  19. Thank you BRIGADIER2JCS. Could I just clarify that I can request that they disclose full details of the client involved given that I know they purchased the debt themselves some years ago?
  20. Aargh! I've not got a Credit or Debit Card. What now?
  21. Thank you both very much dx100uk and BRIGADIER2JCS. With regard to RobbersWay mention of "our client", can I request that they disclose full details of the client involved given that I know they purchased the debt themselves some years ago? I've not sought my CRA file yet dx100uk as the free site I was looking at (begins with "N"?) appeared daunting with all the personal info they need. If I complete the form online, will my details be completely confidential and is the service truly free? Thank you.
  22. I got admitted to hospital just over two weeks ago (heart problems) and unfortunately I never got around to posting the letter suggested by BRIGADIER2JCS. I've come home today only to get handed a further letter from Robbers Way from the postman. Today's letter has a number of untruths contained within it. For example the top line of the letter says "Due To: Robinson Way Limited (EX [CREDIT CARD COMPANY]). Now I remember RW informing me some years ago that they had bought the debt from the Credit Card company. Furthermore below the "IMPORTANT.....DO NOT IGNORE" line the letter state
  23. Thank you both very much indeed. BRIGADIER2JCS, I'm a little confused about the implications and significance of the non-compliance with the 12+2 days of the CCA 1974. How much clout does the fact that Robbers Way have not complied with the request within the timescale mean? To what extent can I hold this against them? I will certainly follow your advice and send off the letter you've kindly compiled. I'll re-post when I receive a reply. Thank you all again for your help.
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