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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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lloyds TSB collections


redbryn1
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hi all i have a £110 debt with lloyds for an unauthorised overdraft which i have been paying for six months through payplan at a rate of £1 a month. I have now been receiving phonecalls everyday asking me to clear the arrears in full or else. I have contacted payplan who have contacted lloyds but i'm still getting calls and letters so far i have blocked 4 different numbers they have used and the last time i spoke to them (i was trying to explain to them that it was being payed by payplan) they said the phonecalls would be stopped for 5 days to give payplan time to contact them but they have started again morning noon and night. I have complained to them before about telephone harrasment (this was before i set up my DMP with payplan) but until the matter is resolved the calls will continue. any ideas?

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no it's not charges basically i switched my account from them over to HSBC about 5 years ago and used them to sort out all my direct debits etc but they must of missed the one for my GMB payment and lloyds continued to pay it for 10 months! because they said 'i was a good customer and my account was always in credit they continued to pay it' and of course because of this my lloyds account was never closed the first i heard of this was in october last year and the debt was passed to payplan in april and i thought that was that in the meantime lloyds nor HSBC will accept responsibility for this mistake but as payplan got the payment down to £1 a month i just thought 'pay it'.

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to be honest the last few times they have called i've just told them i wasn't in and could i take a message when they said 'tell him lloyds tsb have called' i've put the phone down and blocked the number. i've tried a complaint through the website but you have to phone them and to be honest the way i feel about it right now they'd be doing me for phone harrasment!

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No Redbryn, you need to get very assertive. Write to them and very formally ask them for a copy of their Complaints Procedure. They are legally obliged to send you it. This is shocking, shameful behaviour on their part. Send it Special Delivery if you can.

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Hi Redbryn

This is from the Credit Service Association's Website. It's a PDF, but isn't long, and shows just how seriously Creditors/DCAs must take complaints.

http://www.csa-uk.com/csa/upload/FOS%20Article.pdf

Don't talk to them on the phone. I know Payplan sometimes suggest this but DCAs (and TSB Collections) love phone calls. This is because they can say what they like and scare you half to death!!

There's a telephone harassment letter template here, and lots of good tips on how to deal with them.

The problem with being with Payplan (or CCCS) is that very often you feel helplessly 'in their hands'. It's pretty soul-destroying at times, even though Payplan do help as much as they can.

You don't have to put up with this. :)

When you set up a DMP with Payplan you'd have signed an authorisation for them to act as your representatives. If TSB are ignoring this, then they are ignoring the Law!! OFT664 says it, and TSB knows it! :mad:

Be strong. They're cheeky beggars!! :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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You need to send this letter ASAP:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html#post290644

 

Amend as necessary. You really do need to request their complaints procedure as already mentioned, as this can be a lengthy procedure and log ALL calls for an immediate complaint to Trading Standards, here's the link:

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

Good luck and best wishes.

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Don't worry if you can't find it - just send it to the CEO at Head Office - his office will make sure it gets to the right place. Don't forget recorded delivery!

 

Mr J Eric Daniels

CEO Lloyds TSB Group

LLOYDS TSB BANK PLC

25 GRESHAM STREET

LONDON

EC2V 7HN

 

bb :)

My posts are offered informally, without prejudice and without liability. You should seek the advice of a qualified insured professional.

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