Lloyds TSB OH's debt - Anyone heard of DM Limited????

[spiritgirl59]

Hiya friends

 

I've just had an interesting phone call :o

 

This company is trying to make contact with my OH.

 

He had a snotty message left on his mobile last night which he ignored, he told me about it later and said he didn't know who on earth it was, and they have phoned the land line today.

 

I spoke to a girl who wanted to leave a reference and phone number for my OH to call back. I asked what it was in connection with and she said "we act on behalf of Lloyds TSB".

 

I know for a fact my OH doesn't have any issues with Lloyds TSB so I told her I dealt with all the finances and asked her for more information. She quoted Data Protection at me but then asked me to confirm our address. It turns out they have OH's date of birth/name/phone numbers but a different address entirely

 

I told her that she must put in writing anything her firm wishes to discuss with my OH anyhow, as he will not discuss financial matters on the phone. She said she was going to refer the matter back to "tracking" because there is a different address.

 

What's worrying me now is identity theft! You hear all sorts of things these days as we know. I suppose all we can do is wait to see if and when they write back, but I am naturally concerned that they have incorrect information about my OH.

 

Any suggestions?

 

Thanks

Spiritgirl x

[lookinforinfo]

It may be something as simple as two different people with the same name and birth date. And the DCA has put your address to the wrong person.

[spiritgirl59]

Thanks lookinforinfo x

 

Post arrived lunch time and there is a so-called "final demand" from this shower threatening legal action

 

As it has our correct address on it, a CCA request is going off recorded delivery tomorrow.

 

They obviously don't know what on earth they are doing, morons! The tone of the "final demand" is appalling and obviously designed to terrify folks. If anyone without the help and advice on here had received that they would be in a total panic by now.

 

Love Spiritgirl x

[Coasters]

never hurts to look at your credit report either.

 

Equifax

Experian

and if you want to go the whole hog

Call Credit

[tooth_fairy]

Looking back on it now, I laugh at the 'Final Demands' that Robinscum Way used to send, red paper and 'DO NOT IGNORE', it was obviously so important that I didn't ignore they sent it by 2nd class post!

 

DM Limited, could they possibly be Debt Managers Ltd, the one that is is Glasgow, I believe, if so spiritgirl, my husband had a similar letter in July, asking for payment for a Admiral Car Inasurance debt, my husband had only even asked for a quote from them and had never given any further information to them to set up a policy and no CCA was ever produced and a letter saying that the matter had been settled was sent upon receipt of the CCA letter!

[allykat]

Looking back on it now, I laugh at the 'Final Demands' that Robinscum Way used to send, red paper and 'DO NOT IGNORE', it was obviously so important that I didn't ignore they sent it by 2nd class post!

 

DM Limited, could they possibly be Debt Managers Ltd, the one that is is Glasgow, I believe, if so spiritgirl, my husband had a similar letter in July, asking for payment for a Admiral Car Inasurance debt, my husband had only even asked for a quote from them and had never given any further information to them to set up a policy and no CCA was ever produced and a letter saying that the matter had been settled was sent upon receipt of the CCA letter!

 

Looks like DM Ltd might actually be inventing debts to chase? Regarding DCAs, nothing surprises me anymore.

 

 

Robinscum Way

[spiritgirl59]

DM Limited, could they possibly be Debt Managers Ltd, the one that is is Glasgow, I believe, if so spiritgirl, my husband had a similar letter in July, asking for payment for a Admiral Car Inasurance debt, my husband had only even asked for a quote from them and had never given any further information to them to set up a policy and no CCA was ever produced and a letter saying that the matter had been settled was sent upon receipt of the CCA letter!

 

Hi tooth_fairy

 

Yes you are spot on, this is certainly the shower who the demand is from!

 

Their so called "URGENT FINAL DEMAND" is dated the first week in October OK I know we have had the postal strike but all the same, its laughable isn't it?

 

allykat you could well be right - we don't recognise any of the references or the amount to which they are referring to as being owed.

 

Coasters thanks for the tip, I will get round to doing this eventually.

 

I'll keep you posted what comes back next, as the CCA letter went off this morning.

 

Love Spiritgirl x

[ODC]

never hurts to look at your credit report either.

 

Equifax

Experian

and if you want to go the whole hog

Call Credit

As can be seen from a number of threads on here, actually contacting the CRAs can do more harm than good. Caggers have found themselves in recept of the unwanted attentions of DCAs after checking their records not to mention unsolicited offers of consolidation loans. The CRAs regularly pass on information to their buddies in the DCAs.

 

The fact that one of the biggest CRA owns a DCA is probably a mere coincidence:rolleyes:

[tooth_fairy]

I have to agree with ODC on this one, my husband, who has never been one to look at his CRA, did so, this year. He chose to go through all 3, this must have been in about January, since then, debts which he currently has managed with PayPlan, have been sold on again, he's had erroneous debt chaser letters, like the one I mentioned above, he's had so many letters for consolidation loans and IVA's.

 

I'd never heard of this before, until I joined CAG, it seems too much of a coincidence to me.

 

I did check my CRA regularly and I regularly get debt chase letters from DCA's, more often than not, it is for someone with same name or initials or date birth, but I don't check more often than neccesary anymore, maybe every 6 months or when I get a letter saying a default has been issued for an erroneous debt.

[spiritgirl59]

My credit report must be shot to pieces anyhow, so looking at it won't really do anything to help me, and I don't want to alert anyone else to start chasing me as I have enough of them to deal with already LOL thanks for the advice guys

[Jeanjaquessmoothie]

DM Limited are based in Northern Ireland?

[Jeanjaquessmoothie]

DM Ltd are based in Northern Ireland?

[Coasters]

The fact that one of the biggest CRA owns a DCA is probably a mere coincidence

 

Who and what one?

 

To say NOT to check your credit report seems a litle overboard. How on earth would you check for stolen identities?

 

If the DCA OWNS the CRA why the hell would looking make a difference? If they already have open access a search confirms nothing much really.

[spiritgirl59]

DM Ltd are based in Northern Ireland?

 

Hiya JJ

 

This one is Debt Managers Ltd (based in Scotland according to their letter heading). When they phoned me they said they were "DM Ltd" but now I've got their correspondence they are definitely based in Scotland. Maybe they have offices in N. Ireland too?

 

They have been CCA'd now so the clock is ticking!

 

Love Spiritgirl x

[ODC]

Have a read of this thread. It says it all

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/112671-cag-cra-r-club.html

[spiritgirl59]

:eek: :lol:

 

Friends this is an absolute classic!!!!!!!

 

DM have written today to say they "haven't received the £1 postal order" or our letter dated 26th October!!!

 

I have just checked on track and trace and it was signed for on 31st October at their offices !!

 

...are you thinking what we are thinking??? how can they reply to a letter they have not received, to say they have not received it????

 

They go on to say that we need to contact the OC to get the information we requested from them cos they can't provide it!

 

I don't think I have had such a laugh for ages and couldn't wait to share this with you all!!!

 

Love Spiritgirl x

[diskmandave]

That's a classic Spirit!

 

Not wishing to teach how to suck eggs... But, as per Section 175 of the CC Act it's their responsibility to pass the request and payment to their client.

 

Regards, Dave.

[spiritgirl59]

Not wishing to teach how to suck eggs... But, as per Section 175 of the CC Act it's their responsibility to pass the request and payment to their client.

 

Thanks DMD x I've had this happen before as you know with other DCAs, and they won't catch me out with their "we don't have the paperwork" excuses!

 

But it gets better and better...........get this :-

 

They have also written to our son, at a different address, asking for repayment of the SAME alleged debt ...so its pretty obvious they are trawling the phone book for peeps of the same name and initials and running off copies of their "demand" in the hope that someone will fall for it, think they owe them, and start to pay them! How low is that???

 

There are several families round here with our surname and initials, some of which are relatives, so no doubt they will all get the same letter!!!

 

I've asked our son to keep the letter and bring it so we can see it and keep it safely filed in case it is needed in the future.

 

We have also now received a "one time only and never to be repeated offer" from DM of a 25% discount settlement opportunity!!!!!!!!!!! Dunno if our son has received one yet...or the breadman...or the milkman pmsl!!

 

Just wondering whether to write to them and advise them of when and what time they did receive my CCA and that they should pass it on to the alleged OC etc., or just ignore them because quite frankly by their most recent correspondence to my son they are passing water into the wind!

 

What do you think?

 

Love Spiritgirl x

[ODC]

They know their obligations under the CCA. I wouldnt bother reminding them. Let them committ the Summary Offence . If they keep pestering you write and demand a copy of their complaints procedure. Report their sorry asses to TS if they continue with their demands for money whilst in default of your CCA request

[Hopeful1]

I agree with ODC about sitting tight. I would be looking forward to complaining. They can't just go around randomly asking people to repay any old debt.

 

The fact that one of the biggest CRA owns a DCA is probably a mere coincidence

 

Who and what one?

 

To say NOT to check your credit report seems a litle overboard. How on earth would you check for stolen identities?

 

If the DCA OWNS the CRA why the hell would looking make a difference? If they already have open access a search confirms nothing much really.

 

Just to add, since checking my file in the summer i have had debts sold on, millions of sub prime loan offers and info about IVAs and bankruptcy.

[spiritgirl59]

Hiya Hopeful1 & ODC

 

Yes I am going to sit tight on this one and see what pans out.

 

I've decided I'm not going to check my report, cos as I said earlier there is no point as its shot to pieces anyway, and I don't want hounding by more DCA idiots trying to pin alleged debts on me when I don't owe them

 

DM are the lowest of the low. I wouldn't have known about their latest antics if our son hadn't had the same name and told us what they are up to, but doesn't it just show the depths these low lifes will stoop to???

 

ODC I will keep everything safe and most definitely report them if they don't disappear into the woodwork soon, especially with the damning evidence I have now of them trawling to pin debts on people. I think TS would be very interested to see these random letters!

 

Love Spiritgirl x

[spiritgirl59]

Well these pillocks have now sent the following:-

 

Notice of Proceedings Pursuant to the County Courts Act 1984

 

Despite our earlier correspondence relating to your debt due to XXXX in the sum of £xxx in relation to Debt Managers reference XXXX we have not received payment in respect of this debt.

 

We therefore give notice pursuant to the County Courts Act 1984, that proceedings to recover this debt, together with Solicitors fees and costs will be instigated immediately in the XXXX County Court.

 

Details of any judgements obtained in relation to this debt may be supplied to credit referencing organisations and may impede your ability to obtain credit in the future.

 

Should you wish to avoid this action IMMEDIATE payment of the full outstanding sum of £XXXX should be made payable to Debt Managers Limited and sent to ther above address. The reference number XXXX should be quoted on all correspondence.

 

Should you have any queries relating to this matter or an alternative method of payment telephone our Recoveries Department on XXXX

 

Client Ref: XXXX

 

_____________________________________________________________

 

What do I do? Wait for the court papers and then send of the CPR letter as I have done with SC&M (see my other thread http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/81224-spiritgirl-various-dcas-25.html)

 

or send off the CPR letter immediately???

 

These are the guys who have been trawling the county to find anyone with the same surname and initial - if you recall they sent their first demand to my SON at a different address too

 

ODC and all, what should I do now???

 

I feel like throwing in the towel to be honest, but I know that's not the answer. Have been very depressed recently as its the time of year I lost my mum and dad, so they have caught me at a very low ebb on top of everything else, the barstewards

[tooth_fairy]

PM winging it's way to you now xx

[ODC]

They havent responded to your CCA request yet

[ODC]

Send them this by Special Delivery

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of hich have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On the **DATE** I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77-79).

 

On **DATE** a member of your staff signed for delivery of my written request and I have an electronic proof of delivery showing their signature and the date.

 

To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents.

 

These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974.

 

In my letter of the **DATE** I made a formal request for a copy of the signed, executed credit agreement for the above account under section 77(1) of the Consumer Credit Act 1974. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

If that request is not satisfied after a further 30 calendar days your client commits a summary criminal offence.

 

These limits have expired.

 

As you are no doubt aware section 78(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

And

 

(b) If the default continues for one month he commits an offence.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

BLAH