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    • TfL take abuse of staff passes very seriously. If the pass has been confiscated I imagine they will write to them and it could result in the card being suspended for a time, as I understand it. I hope you've told them about the card being confiscated and why? We need to know how many times you used the pass please - how many weeks at 2-3 days a week. Later I would expect TfL to write to you as well, possibly with a schedule of journeys made with the card, to ask you to tell them which journeys were you. They will ask for your side of the story. We can help you to refine a letter to send once they write but you need to start it off because you're the only one who knows the full story. I suggest something like this. Paragraph 1 a short explanation of why you used the card on the day you were caught Paragraph 2 you know you made a mistake and you regret it Paragraph 3 you understand how what you did is wrong and the effect it has on TfL Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this Please don't copy and paste what I've said, use your own words. HB NB This is a suggested reply, don't send it before they write to you because we need to see what they say.
    • I purchased the phone last Sunday evening, online, and paid online.    it was collected in store on the Monday afternoon, and then the return was attempted the following day, the Tuesday. 
    • Thanks honeybee13, They have not been in touch with with my partner yet. Will my partner be implicated? I really don't want to and have to live with knowing that the pass is confiscated and will not get it back?? I must admit i use the pass non peak and use it for 2 or 3 days a week.  I have no excuses and am bad in writing letters. I have read some thread and sample letters but i don't have mitigating circumstances. My mind is totally blank and can't sleep. 
    • Shocked at Argos' stance on this, after my recent dealings with them. Purchased a laptop and after a month the battery went dead. They simply exchanged for a new one with no issue, even though they did not have to.   My question being, can you confirm how long after you purchased the phone did you go back and ask for a refund?
    • @Lovetoteach can I ask… do you rent? Is there anyone here who has a mortgage/owns their house? 
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global/tower letters re old Lloyds current account overdraft

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Over the last few weeks received two rather strange letters (both identical apart from the date) from Tower Investigations Ltd asking me to call them to "help with their enquiries". Since I have no idea who they were I decided the best course of action was to ignore them.


I received a letter recently from Global Debt Recovery Ltd (GDR) re: Notice of Assignment. Its marked as a copy of an original issued in 2006(!) - I have no idea where the original was sent because I never received it! The assignment is of a debt with Lloyds TSB.


What is strange is that all of these letters were addressed to a range of address numbers (20 -24 Station Road) - not even my address! I am assuming that the postman simply recognised the name and it ended up in my mailbox.


I do have an old current account with Lloyds that had an overdraft facility. Through unfair charges, and oversights on my part, I ended up going consistently over agreed overdraft limits. Back in 2000 I agreed a repayment plan, and got the account back to a level that was acceptable. I then moved, and forgot about it.


I am very sure that I haven't been in contact with Lloyds since 2000. I can only assume that Lloyds have grown tired of having this account kicking around, have not heard from me and therefore have sold the debt on. GDR are now asking for around DOUBLE what the original overdraft balance was.


I am certainly not going to acknowledge any debt to GDR because I am unaware if they are even able to collect. I am thinking about sending Lloyds a Full Disclosure Subject Access Request (S.A.R - (Subject Access Request)) to find out exactly what they have on me, and sending a CCA request to both Lloyds and GDR. From then I think I will make my decision on how to proceed.


Any advice? Is this a reasonable approach?


Little Imp

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Dont do anything its over 6 years old so statue barred unenforcable




We could do with some help from you.



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Sit back and wait.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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It may well be that the debt is not actually yours. A few years ago we lived in a house that was two flats converted into a house (125/127). We used number 127 but got a letter from a DCA addressed to 125 asking about the residents of 127;). So chances are they have written to everyone with the same postcode.


Nat West Bus Acct £1750 reclaim - WON


LTSB Bus Acct £1650 charges w/o against o/s balance - WON


Halifax Pers Acct £1650 charges taken from benefits - WON




GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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i got the same letter from GDR and yes I did have an account with lloyds approx 8-9 years ago , i simply wrote them a letter stating I DO NOT ACKNOWLEDGE ANY DEBT YO YOUR COMPANY and I received a letter back stating that lloyds had advised them to close there file . I havent heard anything since , so just goes to show not to give into them.

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  • 1 month later...

I have received a couple more letters from them, each one getting more aggresive in tone. The latest states:


"We now formally demand your immediate settlement. Should you fail to respond to this demand we reserve the right to litigate as agents without further notice; possibly incurring you in greater expense and recording your default in the County Court".


What strikes me as odd is that if this is now a "formal demand", what were the other letters? "in-formal demands"?!


Time to send them a statue barred letter?

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Apparently it concerns the old Lloyds current account overdraft I mentioned above.


I have sent them a statue barred letter by 1st class recorded, content similar to this (added a clause that I don't acknowledge a debt to them): Debt Factsheets - Liability for Debts and the Limitation Act.


We'll see what happens

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OK in that case throw this at them as a final letter.


Formal Complaint


Dear Sir/Madam



Account reference: XXXX



Thank you for your letter of the DATE, the contents of which have been noted.


You have previously contacted us regarding the account with the above reference number, which you claim is owed by ourselves.


We would again point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”


We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.


The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed.


The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.


We await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.


We also insist that you supply a full written copy of your complaints procedure..


It should also be noted that we will be contacting Trading Standards concerning this matter.


Ignoring this letter and continuing to press for payment will not resolve this matter.


We will not hesitate to pursue this matter with Trading Standards and the OFT, additionally we will seek immediate legal advice should you continue to press for payment, as we feel this may constitute harassment contrary to section 40 (1) of the Administration of Justice Act 1970, as well as the Protection from Harassment Act 1997.


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 hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.


I would appreciate your due diligence in this matter.


I look forward to hearing from you in writing.


Yours faithfully,

Be VERY careful whose advice you listen too

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  • dx100uk changed the title to global/tower letters re old Lloyds current account overdraft
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