Mum and TSB

[Hopeful1]

Hi Lisa

 

Yes, i would write to 1st Credit as GM has said to say account is in dispute. I always try to avoid dealing with DCAs.

 

I would keep paying the £1 to Lloyds, but i would also send a Subject Access Request off as soon as you can. When you have added up all the charges and added interest too, you / your mom can reclaim that all back.

[pigsic]

Hi there can I just ask you know the agreement that LTSB sent well going back someone mention that it does look like its forceable can I still send the letter GM has adviced me to send

lisa

[The GodMother]

yes you can as if u believe it is not then i would send it.

 

You dont need to say it is in dispute over a cca you can change it to refusal to deal with my complaint or anything just make sure it is valid.

 

You can also say the account is is dispute for more than one reason as it it.

 

They have yet to accept the token payment offer but they are not sending the money back to your mum.

[pigsic]

Hi all

Sent letter off todat to 1st credit, but mum got a letter from them today heading LEGAL PROCEEDINGS saying they are going to start legal proceedings WHAT SHOULD I DO PLEASE HELP.

Lisa

[pt2537]

Hi just remebered mum got a cca and hopeful thinks it is enforceable is there any thing i can do now. Should I send them An offer of £1 a month like some of her other creditors are getting they probably wont accept cos mum owes over a Thousand pound

Please help LIsa

Lisa

 

Is the document that you posted here actually signed by your mother?

 

it would help if you could clarify this please

[pigsic]

Hi there paul

yes it was signed on the 7-3-2007

mum has been paying a pound a month but they have not agreed to it but they it does show on statements

lisa

[pigsic]

Hi there paul

I was wondering if you had lokked at this for me and come up with a suggesten

lisa

[The GodMother]

I have a suggestion

 

Dont panic

[Hopeful1]

I have a suggestion

 

Dont panic

 

I 2nd that!!

 

Have you sent that S.A.R off? You can then say the account is in dispute until you have ascertained the full balance. Keep paying that £1.

[pigsic]

Hi

Can I just ask if they take mum to court will she have to attend and if she is making pound monthly payments and keeps them up can they still send the bailiffs

lisa

[N.P]

Hi Lisa,

 

I beleive she will have to lose in Court, and then default on the CCJ, and then they will have to go back to Court to get a Bailiffs order, which they will also need to win.

 

Like GM and Hopeful have said, don`t panic, one step at a time.

 

 

N.P

[Hopeful1]

Hi

Can I just ask if they take mum to court will she have to attend and if she is making pound monthly payments and keeps them up can they still send the bailiffs

lisa

 

Lisa, please do not worry. No they cannot send bailiffs round.

 

If it did go to court the judge would see your mom has offered and is making the payments she can afford. As long as she keeps making those payments it will go in her favour.

 

Has your mom received a default notice for this account?

 

If yes, did the default amount include charges?

 

Speaking of which.....have you sent that S.A.R off???!!!!!!!!

[The GodMother]

You would not be informed about a balif hearing as it is just a paperwork thing that gets either rubberstamped buy the court manager or they put it in front of a judge and the judge says yes.

[pigsic]

Hi mum received a letter today from 1st credit say that thanks for informing them the account is in dispute and they will contact LTSB regarding the matter it could take about a month. But to contact them to arrange a payment plan (as if she going to phone them).

 

Will see what cames back from this then send S.A.R off, cos she has just sent one off for dads hsbc account so cant afford two in one week.

lisa

[Hopeful1]

Hi mum received a letter today from 1st credit say that thanks for informing them the account is in dispute and they will contact LTSB regarding the matter it could take about a month. But to contact them to arrange a payment plan (as if she going to phone them).

 

Will see what cames back from this then send S.A.R off, cos she has just sent one off for dads hsbc account so cant afford two in one week.

lisa

 

Well at least that gives her a bit of breathing space. She's making payments anyway so they can go......i'll let you fill that bit in yourself

[The GodMother]

Hi mum received a letter today from 1st credit say that thanks for informing them the account is in dispute and they will contact LTSB regarding the matter it could take about a month. But to contact them to arrange a payment plan (as if she going to phone them).

 

Will see what cames back from this then send S.A.R off, cos she has just sent one off for dads hsbc account so cant afford two in one week.

lisa

 

Well at least they recognise the acc is in dispute.

As a professional CAGGER you will not need telling this but. DONT CALL THEM. They have nothing ur mum or u want to hear and they will only try and pressure a payment argagement out of her.

 

have fun with the wait.

[pigsic]

hi there all

Well its been a long time but they are back, just when you think you have you got rid of them.

 

A letter from LCS Solicitors it reads.

We are acting on behalf of 1st Credit Ltd who has instructed us to write to you concerning this seriously overdue account.

 

Unless full payment is made to our client within 14 days from the date of this letter we are instructed to issue proceedings against you in County Court for recovery. Should that step prove necessary our client's claim will include statutory interest, Court Fees and Solicitors costs. If judgement is obtained against you then, after a period of 28 days, it will automatically be registered at the register of the county court judgements and will have an adverse affect on your credit rating.

 

Please note that we are not instructed to enter into correspondence with you regarding this matter prior to the issue of legal proceedings.

 

all payments and communications should be made to our clients whose address is 1st credit ltd, Po Box 278, Reigate, RH2 7WB.

 

If you unable to make payment in full you must contact 1st credit immediately, their telephone number is 0870 164 2054

 

The date on the top of leter is 11/08/2008

 

mum is making £1 payments a month to LTSB but she has not had a statement from them but they have not sent the £1 payments back so they must be accepting them.

Hs any one got some advice for us please. How do i change this threads name to LTSB/1ST CREDIT V'S MUM

[Curlyben]

File under ignore as these "people" are simply solicitors-for-hire".

This line gives it away:

Please note that we are not instructed to enter into correspondence with you regarding this matter prior to the issue of legal proceedings.

[pigsic]

So could they take mum to court still

[Curlyben]

They could try, but would shortly find themselves laughed at loudly

 

Everyone say Vexatious Litigant.

[pigsic]

I have told mum not to worry cos if they take her to court she wont be to only one cos there will be a lot of people battling now a days. But is easyily said when is not you I suppose.

lisa

[Hopeful1]

mum is making £1 payments a month to LTSB but she has not had a statement from them but they have not sent the £1 payments back so they must be accepting them.

Hs any one got some advice for us please. How do i change this threads name to LTSB/1ST CREDIT V'S MUM

 

Have you written to LTSB and asked for a statement of account? You don't need to explain why you want it, your mom's entitled to it anyway. Just make sure she keeps the payments up.

 

Was this an account with charges on it? If you start reclaiming that'll keep them busy for a while

 

If you want your thread title changed, you should PM one of the site team.

 

Hope you're ok

[pigsic]

hi there all

 

well Fisrt credit keep phoning mum left a message the other day to say phone back urgently.

she also received this in the post with no letter. PLEASE HELP

 

[pigsic]

[The GodMother]

hard to say i will look in the morning due to tireness