WELL I HAVENT HEARD A THING AND ITS BEEN A MONTH! Not that I want to tempt fate or anything! But Looks like those letters may have worked! I cannot believe the audacity of these companies! If I didnt have this forum to ask on.. and all you lovely knowledgable helpful people to help me.. I would be nearly a grand down by now! HMPH!! There should be some kind of law on them doing this. In a way.. isnt it theft by deception? Or.. obtaining a pecuniary advantage? It must come under some section in the 2006 fraud act surely! (off to ask the fella) I want to ship them to watchdog!

Cool, thats nice to hear- hope I am lucky and have no response from them also. I wait in vain.. could be a long wait!

Sent both letters now.. individually. So we will see what happens now. Couldnt send it via recorded though as the address was a PO Box addy and the post office wouldnt allow it! Grrrrrr.. Do I expect anything less from Global? Hmph!

Ok.. thanks Tau. Printing the letters now. Thanks. x

I havent got a letter saying the account was closed in 2000.. thats just what Global told me.. before 2 days ago I didnt even know this outstanding amount existed! Can I contact Lloyds TSB and ask them for clarification of when it was closed? maybe they will send me proof of the account closure date. confused!!!!!!!!!!!!! They tried ringing again for me today.. got told that I would be back after 6 but havent tried calling again yet.. What the hell do they want? I have got their poxy letter! what else could they possibly try?

OK OK.... Partner came home with letter postman gave him as he was leaving for work.. For Me and my EX! from... Global.. it reads.... We hereby give you notice that Lloyds TSB Bank plc has assigned to Global Debt Recovery Ltd on 22nd December 2006 all of the Lloyds TSB's right, title and intrest in, to and under the above detailed account. Global then assinged to FV-1 Inc on 22nd December all of Globals right, title and intrest in, to and under the above detailed account. We have been appointed by FV-1 to administer the account. As a result of this assignment the full amount is now due to FV-1. You should not make any payment to Lloyds TSB in respect of the account as it will take longer to process the payment and credit it to your account with FV-1. You should contact this office immediately so we can agree payment terms with you. FV-1 has the same rights as did Lloyds TSB and Global to give information to credit referencing agencies about the personal debt you owe in respect of this account if; -you have fallen behind with your payments -the amount owed is not in dispute -you have not made proposals we are satisfied with for repaying the debt following this formal demand by FV-1 for *880.58 the amount due on your account. (* i havent a pound sign on my keyboard) Please do not ignor this letter We look forward to hearing from you. Signed by Global Debt recovery on behalf of of FV-1, Inc. (printed signiture) SO NOW WHAT?? Whats all the 22nd December 2006 nonsense? this account was closed by Lloyds in 2000 apparently.. and Global man told me they had it since 2002! I am so confused and getting scared again now. Can I still use that letter Tau gave me on this thread?? :?

haha ok, thanks Tau.. u make me smile in such times of fear!.. cakes and biccies here anytime for you! Ok then.. watch this space.

well... still havent rang me.. and I havent got their letter either.. should I be worried? Are they just gonna send door knockers instead? :o;OS

Well I waited and waited- they never phoned.. Bit dissapointed really.. as I wanted to say "only in writing" and slam the phone down on him like he did yesterday to me! However.. Thanks Tau for this letter.. Certainly will use it if they try phoning again.. trouble is I cant just ignor it.. it comes through as 'call' like when partners brother rings from the states so have to pick up. Anyways.. we'll see if I get a letter through the post or any more calls.

OK.. came home tonight.. and guess what.. theyve been ringing my house!!! Dont know why.. they said they'll call back at 6pm (in ten mins that is) So glad I saw your post.. I am prepared.. What ever do they want to talk to me for?? Trying to get me recorded admiting liability probably.. cos yesterday I was screaming I wasnt liable. Oh well.."everything in writing" will be coming from my mouth v soon then... I'll report back when theyve rang! How very Dare they!

oooooo.. Ok, no worries. These companies are know to pull out out any trick then!

Oh wow Tau!! You are BRILL I never knew such laws existed! I am smiling again now.. Shall I send the letter after I recieve the demand letter from tghe company or send it straight away? I wanna print it off and rub it in that guys face to be honest! Ha!

ok.. Its been so long and I have done nothing about this.. will their offer still stand if I want to accept and clear the debt? I wanted the CCJ to have gone and it now has but I dont know what to do. I have been so busy in the last 6 months with 2 jobs and studying to be a driving instructor I just have had no time to myself. What should I do? Find their offer letter, send it to them and hope for the best? Please help.. mine was complicated remember.. mas my account was a closed one and intrest was in an awkward state.. To not look a fool in court I was just gonna settle for their pay off which was only short of what I wanted by 80 quid.. .....ADVICE PLEASE!

Please help anyone- I am close to tears after an awfull call lasting half an hour with a very rude employee of 'Global Debt Collections' In short.. here is the story I have learned of today... I came home today to find a letter addressed to me and an ex boyfriend from a 'Tower Investigations' telling me to call their number and quote a reference. The number was for Global Debt Collections and me being naive and honest wanting to sort anything.. rang the number. Since I got out of a bad relationship in 2000.. I have always tried to be above board and cleared all debts that were outstanding.. and 5 years ago met a guy who is in the Police and have made efforts to get rid of anything debt wise hanging over me from the past. I sold my house, paid off things.. bought a buy to let and was happy... until today. The 'man' from Global Debt collections kept asking me to verify that I and my ex did live at the old address he kept quoting to me.. yet when I mentioned that the D O B he had was wrong (and I never have my real date of birth in the call) he seemed to ignor me.. it was like he was not bothered with what I had to say..apart from verify it was one half of the addressees. He said that the debt was from a JOINT account in both our names from the Lloyds TSB and the debt collection was passed to the Global Debt Collections company back in 2002 after Lloyds TSB had no luck with returned letters etc. I explained to th man that around that time we split and I settled everything so nothing like this would come back to haunt me.. but it looks like my so called ex has run up an amount in this joint account that I thought I had closed.. at least I think thats whats happened but of course I cannot prove that. However.. what ever happened.. I stand at this position today.. Now.. this debt.. which is nearly 900 quid!!.. started at half that and been earning intrest ever since! I am so riled that even though I bought a house in 2000 just after my split with the ex.. and I was on the council tax all the while in the last 7 years and findable.. that they leave it til 2008 to contact me about a debt I know nothing about!!!!!!! He assured me that the intrest was from Lloyds TSB not them so when I replied that I would claim back the charges he said it was not an option and had gone passed that! Oh I am so upset... and was nearly screaming at the guy on the phone who seemed like he was rubbing his hands together now he realised he had found at least one of these named people on the letter. I just dont know what to do! I havent seen the ex , aint got a clue where he is and never want to see him again- yet because I am the honest legal, legit one, I have to pay the amount, in full, on my own??? I was under the impression this account was no longer in existence. This isnt right surely- especially when the company 'Global Debt Collections' by their own admission have had the debt account passed to them for recovery back in 2002! The rude man said that he would be sending a letter demanding FULL payment of the debt or they will be taking further action.. I said that I would see him in court! but he didnt seem to care.. just replied with a scare monger tactic like "well it will cost you more in the court costs".. I STARTED TO MENTION THAT WHERE I LIVED AT THE MOMENT WASNT MY HOUSE.. IT WAS MY PARTNERS.. AND CANT HAVE DEBT COLLECTORS OR BALIFFS KNOCKING ON MY POLICEMANS DOOR! .. and was shouting by this point.. but he wasnt bothered.. said he was terminating the call and for me to expect the letter shortly. I have been debt free (so I thought ) for 5 years.. and with my current partner for since 2003.. and every thing was rosie.. until today. Oh I am so upset.. Anyone have any advice on what I should do?? :sad: Can this company actually demand this?? Why didnt they find me back in 2002 when they first got hold of the debt?? I have always been on the council tax at the only 2 addresses I have lived at since 2000.. I just dont get it! They havent even given me the option to settle it that 5 years ago! Thanks in advance to anyone who replies.. I will be looking back here constantly for your advice on the matter until my letter arrives.

whats the benefits from this?.. had a look.. and whats the difference from N1 to MCOL? Any advice would be greatly appreciated.