Showing results for tags 'refused cpa cancellation'.
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Dear All, I hope you can help. I had a payday loan with Debitcard Loans. When it became evident that I could no longer afford to pay them back, I ensured my wages went into another bank account and then let Debitcard loans know I could not afford to pay them back and requested their banking details to draw up a repayment plan. All requests were totally ignored. they attempted for about 4 months to take the money from my empty bank account, this forced the empty bank account to go overdrawn. After the first time, I went into my local branch and requested that this stop (I did not know about CPA then). Branch Manager (!) told me there was no way that this could be stopped, as they had my card details. I "lost" my card the next day, and got a new one. Debitcard loans somehow still managed to force payments (attempted payments) through, and this created more unauthorised overdraft fees, interest charges and penalty charges. This was sometime in 2011 if I remember correctly. Lloyds kept on phoning me asking me for payment, I would say that I dispute the amount now owed (over £400) and requested statements. I never got any. I attempted to get statements using my online account, they had deleted my online account from my online login. Fast forward to Monday the 5th of August 2013, Mackenzie Hall phone me up wanting payment for this. Told them not to phone me, but to email/send me a letter as I dispute I owe anything to Lloyds. Put the phone down. Get a letter in the post today, in a familiar brown envelope that Mackenzie Hall favours, with the Bellshill return address and "This is not a circular" on the envelope. Surprised to find that it is on LloydsTSB headed paper, telling me debt has been handed over to muckheap for collection and gave me all of Muckheap's contact details and that I should now contact Muckheap. Was signed by Claire Thomson. Which made me suspicious. Looked Claire Thomson up, and yup, she works for Mackenzie Hall. So... should I notify lloyds Muckheap is forging letters with their headed notepaper? Obviously I think this should be forwarded to the OFT as well. As well as this, I need guidance now on what to do with this "debt". I think I should SAR LloydsTSB right? Would the template do, customised to my details? I anyone wants to see, I can scan the letter from Muckheap pretending to be Lloyds.
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