Mum and TSB

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[The GodMother]

pigsic even after a good nits sleep i cant read it very well. so i cant say.

[Hopeful1]

Hi Lisa

 

I think if GM and i slept for a week, we wouldn't be able to read that. Didn't LTSB send an agreement that was enforceable anyway?

 

I would be inclined to try to cut 1st Credit out of the picture. I would simply write and thank them for their correspondence but you have contacted LTSB with a payment plan and are currently making payments directly to them.

 

If your mom can, she should then send the S.A.R off ASAP so she can get the charges reclaimed. Hopefully there will be enough charges to make a dent in the balance.

[pigsic]

hit there i was thinking about a letter to write to first credit

 

dear sir/madam

 

Im writing to you to thank you for your correspondence about my tsb credit card.

I have contacted tsb direct with a payment plan and Im currently making the payment directly to them. So I would therefore be greatful if you could hand this account back to tsb

 

your faithfully

**************

[The GodMother]

Dear Sir or Madam.

 

I am writing to infor you that LTSB have agreed to a repayment plan that involves me paying them directly.

 

They agreed this on XXXXXX and one of the terms was that no other company can contact me regarding this debt.

 

I would be extremely grateful if you could pass this account back to LTSB as the continued persual by you of this account would mean they have broken the terms of the contract which will leave me no option but to sue u for harrassement.

[pigsic]

Dear Sir or Madam.

 

I am writing to infor you that LTSB have agreed to a repayment plan that involves me paying them directly.

 

They agreed this on XXXXXX and one of the terms was that no other company can contact me regarding this debt.

 

I would be extremely grateful if you could pass this account back to LTSB as the continued persual by you of this account would mean they have broken the terms of the contract which will leave me no option but to sue u for harrassement.

 

Hi

tsb have not wrote to say they are accepting but i just pay it every month so if i sent this letter could they not get me done for lying. First credit sent a letter to mum today saying that if she pays the balance within 14 days they will reduce it for her but where do these people think she can get the money from. Dont they understand everyone is battling

lisa

[N.P]

Hi

tsb have not wrote to say they are accepting but i just pay it every month so if i sent this letter could they not get me done for lying. First credit sent a letter to mum today saying that if she pays the balance within 14 days they will reduce it for her but where do these people think she can get the money from. Dont they understand everyone is battling

lisa

 

 

That doesn`t make sense. Are they going to reduce it AFTER she pays it? I don`t think so!

[The GodMother]

well lisa take that line out then. its just an idea for u any way.

 

If this idea can be of help to anyone else then please feel free to use it

[pigsic]

Hi thanks for that letter i will use it but just change the top piece

thanks again

lisa

[Hopeful1]

Hi thanks for that letter i will use it but just change the top piece

thanks again

lisa

 

Lisa, i would leave that line in that GM posted. All the DCA needs to know is that regular payments are being made and as far as we and they are concerned they are being accepted because they haven't removed them for the account.

 

I avoid dealing with DCAs at all costs.

[pigsic]

How can i change this thread to mum and tsb

[N.P]

A MOD will probably do that for you, now you have mentioned it

[pigsic]

Hi there

Well just when we think its gone all quite mum got letter from debt management to say if she does not pay within 24 hour she will receive court papers in 7 days. Know she panicking but she has been paying her pound a month but they have never agreed to it.

 

What do we do know please help do i say well take her to court she wont be the only one and surely the court will see all she can afford is one pound it will at least stop all the chrages been put on the account.

 

Please help

lisa

[pigsic]

Ok thanks N.P

[The GodMother]

ok if they do take her to court it is a good thing in a way as it will stop the charges and they wont look good in court as they have already had in writing a offer of what she can afford each month, that is why i have said many times they love there token payments.

 

The arguement with the £1 payment is they can been deemed as accepted it as they have not in writing refused or even sent the money back each time. They have to prove to a judge she can afford more but in the current financial market then i cant see that happening let alone that she is a pensioner on a fixed income and needing to also live as well. trust me when i say the judge cant make here pay more than she can afford.

[pigsic]

can i just ask would mum have to go to court

[pigsic]

sorry and do bailiffs only come and take stuff out your house if you dont keep up to the payment to the courts

[The GodMother]

Yes mum would have to go to court BUT she could apply to the courts to have somebody else speak on here behalf, like you.

 

I dont know the full ins and outs with that but i think a letter to the courts would do. You will be able to go in with your mum and do everything on her behave if the courts agree if not you will still be able to go in with her.

 

Baliffs will only come in and can only take her stuff but that is if she dont keep up repayments and they wont take anything thats not worth taking.

 

For now anything they do is classed as empty threats. The courts will look at the evidence and will look at your mums income and they will see your mum has been paying the £1 a month for a while and that LTSB have not sent the month back that is them deemed to have accepted the offer, they cant argue part payment as they have to reject the money each month.

[maroondevo52]

Title changed, thanks for the heads up Bo

[pigsic]

Hi all with some advice from N.P I Am sending this letter to debt managers today so will see what happens from here. Cos I recievd the same letters as what N.P eceived from these people.

Lisa

 

 

ACCOUNT IN DISPUTE

 

 

 

DO NOT IGNORE THIS LETTER

 

 

 

 

Dear Sirs, Account Number: whatever.

 

 

Re: My request under the Consumer Credit Act 1974

 

This account is in Dispute.

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the Lloyds TSB and has been since *********. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My last letter from Lloyds TSB was ********and stated that my complaint would be passed to their Legal Team, who specialise in the concerns I have raised. This obviously hasn’t happened. It would seem this account has simply been passed to a `Debt Collection Agency`.

 

As Lloyds TSB are now in default of my Consumer Credit Act request, I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

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

 

Now I would respectfully suggest that this account is returned to Lloyds TSB for resolution of these defaults and breaches, as `Debt Managers Ltd` cannot lawfully pursue any enforcement activities.

 

If `Debt Managers Ltd` chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines. I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing ONLY, understand?

 

Yours faithfully

[pigsic]

Hi all

I have received another rletter from dect managers ltd for lloyds tsb. This is how it goes:

 

Fantastic settlement opportunity

 

I have identified that your account now qualifies for a significant partial settlement.

 

full acount balance £1844.57

Amount to pay £1106.74

 

Saving £ 737.83

 

you can only take advantages of this one off settlement opportunity by contacting our collections team on 01709758485

 

should you fall to contact debt managers ltd within 7 days your account will remain registered as an unpaid debt.

 

yours sincerely

 

miss ************

 

Adviced would be very helpful

thanks

lisa

[N.P]

Clearly these idiots have read your `disputed account` letter.

 

Why would they offer you a discount if you owed them the amount they claim?

 

I`ve forgot, but is this for a Credit Card? If so, does this have PPI added?

 

I have found what maybe a cool defence with my agreement. Don`t give in just yet.

 

If they still haven`t sent your CCA, they don`t do anything, just blank these planks.

 

 

 

N.P

[N.P]

By the way, I`m sure I also received a fantastic offer from them too.

 

They claimed they have negotiated a settlement deal with Lloyds TSB on my behalf.

 

How nice, I didn`t ask, and I`m certainly not entertaining or paying mercenereies like these goons, because that`s all they are.

[pigsic]

hello well after saying on n.ps thread we have not heard from lTSB well we ahve an update..............

 

Dear Mrs ................

Account number..................

balance £1839,57

 

I feel it is important to let you know that our agents have been in touch with us in connection with your account. They say that they have been unable to agree a repayment programme and suggest we take legal action against you.

 

You can prevent us taking legal action by paying off the full outstanding balance of this account within 10 days.

 

If you are unable to send payment in full, please complete and return the questionaire overleaf to enable us to access your financial situation.

 

I look forward to hearing from you shortly.

 

IF YOU WISH TO MAKE A PAYMENT TODAY USING YOUR DEBIT OR CREDIT CARD THEN PLEASE CONTACT US ON THE ABOVE NUMBER.

 

Yours sincerely

 

Managers assistant

 

I have been paying a pound a month

so should i just fill in the expediture form and see what they come back with. It looks like it is back in the hands of LTSB.

 

Lisa

[The GodMother]

No need they DONT need to have this info and they can ask but you do not have to provide.

 

Send the dispute letter and se what they come back with