Lloyds Personal Loan

[Shazza50]

Hi Chrissi and N.P,

I will pass your messages on as soon as I see him. Sister in law said he didn't get out of surgery until 8pm and is still sedated, probably will be until morning. I don't know about him, but I'm glad its all over, been on pins all day:) .

 

Shazza

[The GodMother]

well at least he got a good kip. .

 

lets just hope everything is ok and he is less groggy tomorrow.

 

Chrissi

[simountain1]

LLoydsTSB dont get me started on this one as it could turn out a long thread.

I contacted their regular complaints department by phone who said due to my account being with collections they could not deal with it but they would pass it on to the collections centre complaints department.

Once they contacted me the seemed to be a bit more helpfull than the regular collections staff.

Their is a direct number I wish I still had it for you but its a number of years ago now.

But go down the normal complaints centre line and they will pass it on

[N.P]

Hi there,

 

Has anyone heard any more news from Pete? how`s he doing?

 

Just a thought, when he`s ready to come back on CAG he may want to ask for this thread to be moved back to the Debt Collection forums, so we can keep an eye on it.

 

It seems to have been mixed up in the recent crash. I`m sure he has another one someone, I`ll dig that out too.

 

Regards

 

 

N.P

[The GodMother]

NP.

 

I think we would have heard if something was up. Lets just hope no news is good news.

 

Chrissi

[Shazza50]

Sorry, didn't realise Petes thread was in here now, or I would have let you know sooner.He's home now and I know he's looking in tonight so will leave it to him to update you:)

 

Shazza

[odds]

Hi all,

Thanks for your concerns. I'm back now although everything didn't go as intended and I ended up in Hospital for just over 3 weeks and had to undergo 2 major operations in 9 days.

Anyway latest from Lloyds is that they have instructed Lawyers to make 'Formal Demands' for the balance within 7 days. Or they may do this or they may do that etc .....

Lawyers are SECHIARI, CLARK & MITCELL.

 

The address is exactly the same as the Credit Operations Customer Service Recovery. They are dealing with my complaint I wrote last month.

 

Pete.

[N.P]

Hi again Pete,

 

I have already posted on your Credit Card thread.

 

I see you have now been introduced to Silly, Claris & Michelle.

 

Well, it looks like it`s going to get interesting from now on. Aren`t they a buch of morons. Why can`y they simply communicate properly with people?

 

Good luck with this one mate, your gonna need it?

 

Perhaps, now is the time to CCA and SAR them, dispute EVERYTHING!

 

Regards

 

 

N.P

[elsinore]

Thread moved.

 

Els

[The GodMother]

Glad your back on your feet Odds.

 

dont try and get to stressed.

 

Dont you just love the we may do this.

 

Well i saw on a different thread a lovely letter to silly Clairs and Michelle.

 

Will try and find it for you unless NP nos the tread as i think he has posted on there.

 

Get well soon

 

Chrissi

[N.P]

HI odds and Godmother,

 

Were you on about the letter I sent to them regarding the non-complience of my CCA request? It`s at http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/112783-lloyds-tsb-mastercard-6.html#post1387479

 

If you did mean this letter, then Pete hasn`t CCA them, so it won`t be any good.

 

If you can perhaps remember some of the content then it might jog my memory.

 

Hope you get some suitable help soon Pete, but don`t let these goons get you down.

 

Regards

 

 

N.P

[The GodMother]

no l meant a letter to sc&m

[N.P]

Hi again,

 

Right, you mean this one?

 

 

 

Dear Sir

 

 

I refer to your letter dated 12th February 2008, the contents of which have been noted.

 

Frankly, I am surprised of the need to remind a firm of solicitors about the terms and conditions surrounding my requests to your clients for a true copy of my Consumer Credit Agreement (Consumer Credit Act, 1974); I can only assume therefore that they failed to inform you that the above account is in dispute.

 

Should your clients now persist with threats of legal action, I will welcome the opportunity for a judge to look at several offences committed by your Client under The Consumer Credit Act 1974, as well as your clients' non-compliance with and total disregard for the law on this occasion.

 

May I draw you attention to my letters of 21st September 2007 and 31st January 2008 in which I clearlyoutlined my position concerning this matter. I enclose a copy of each for your perusal and ease of reference.

 

Lloyds TSB has failed in my lawful request under the Consumer Credit Act 1974 section 78(1) and subsequent Statutory Instruments.

 

I formally advise you that since Lloyds TSB have failed to comply with the terms of the Consumer Credit Act that as from 9th October 2007 they are in legal default on this alleged agreement. This default means that the alleged agreement from this date is totally unenforceable. Lloyds TSB may not apply any charges, cannot issue defaults, cannot sell or assign the alleged debt or cannot invoke any clause within the alleged agreement.

 

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.

 

 

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

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

* may not pass the account to a third party.

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

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

 

 

Therefore this account has become unenforceable at law.

 

Lloyds TSB 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.

 

The mere fact that they have passed this account to you while it is in dispute and default is also in breach of the Data Protection Act 1998.

 

After taking advice, I am of the opinion that your 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 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 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 await your rapid response.

 

Yours sincerely

 

 

 

Me.

 

 

 

The thing is Godmother, this also states they have ignored my CCA request, so it still wouldn`t really be much good to Pete. He may be able to edit it to suite his needs, I don`t know.

 

We`ll see what other templates someone can come up with. I understand your pretty nifty at writing snotty letters yourself? LOL

 

Regards

 

 

N.P

[The GodMother]

yep but mine have lots of language in the which can be edited.

 

l will review the case and look into a lovely letter for them.

[N.P]

Hi Godmother,

 

Do you mean dodgy language? I like that, LOL. They won`t, but do we really care?

 

If you like writing letters, I have one I want to send to 3 Mobile for a friend, but I`ve been unable to find the right wording, so haven`t bothered. If you`d like to help, then please let me know.

 

Obviously, Pete`s is more of a priority at the moment, so let them have it! LOL.

 

Catch you all later.

 

Regards

 

 

N.P

[The GodMother]

i will sort it out later for everyone. will need to review case and a bit more info first tho but will post questions on here

[odds]

Since my letter from Lloyds solicitors on the 7th February I have heard nothing untill this morning when I received this letter from BLS Collections, who are a trading name of Lloyds TSB Bank plc. It's in the small print at the bottom of the letter.

There is also an expenditure sheet on the back which says I must fill it in and return it to them. Do I really have to fill it in ? I have already sent Lloyds THREE copies of my expenditure sheet, which is probably in a bin somewhere now.

 

 

I have a couple of questions relating to the paragraph I have boxed in.

It says that they may be forced to make telephone contact with me. So who is going to force them ?

Or they may advise Lloyds TSB that a personal visit may be required. Would they not be wiser asking me about a personal visit first ?

 

Now I have no problem at all with meeting a Lloyds employee at my local branch to discuss my situation, so this would seem the most sensible solution. What I need is a quick suitable reply to put them straight on both points that, I don't do phone conversations, and I certainly don't do home visits either.

Oh, and who do I now send the CCA request to ?

 

Thanks for your replies

 

Pete.

[surprise]

Odds I can't see that you ever received a reply to your official complaint. If you didn't receive a reply I would send a copy to BLS and write again to Lloyds and tell them that has they have not addressed any of your issues within a reasonable time span it has left you with no option to make a formal complaint to the FOS. Send them a copy of your original letter, make sure you get proof of posting from the Post Office. Give them 10 days to respond. BLS don't normally do phone calls as I have dealt with them in the past and I have never spoken to them.

 

Hope you are in good health.

[odds]

Hi Surprise,

Health wise I'm getting better daily thanks. As for my complaint.

They signed for my complaint on the 28th January.

I got my first reply, dated 5th February. It just said that they expect to complete enquiries within 4 weeks or let me know if there is going to be a delay. I then got another reply dated 22nd February. This said that despite thier best efforts they had not been able to resolve the matter but will write again within the next 4 weeks with a response or an estimate of when I could expect a decision.

The complaint is about charges they are applying to my current account because of missed payments to my loan so I don't know how that would affect them passing it to BLS.

Just another quick question. If BLS are acting for Lloyds then why are Lloyds still phoning me ? Unless it is regarding my CC rather than my loan, but it is always the same number.

 

Pete.

[surprise]

What I would do is write to Lloyds again, copy to BLS, asking why they have passed the account to BLS when there is a clear dispute on the account. Tell them they have had adequate time to resolve the problem and should you not hear anything definite from them within 10 days you will pass the matter to the FOS to deal with.

[Shazza50]

just bumping this up for you so that you can get some help with who to send the cca request to, BLS or Lloyds?

 

Shazza

[The GodMother]

who ever is chasing u for the money

[english_beauty]

Hi odds,

 

Well, the reason I haven`t been paying them or replied to any of their letters is because they have Defaulted on my CCA request, so I have no obligations to them. They do have one to me though, my CCA request.

 

It seems there are a lot of people having all sorts of trouble with Lloyds, and it looks like Lloyds are just blanking everyones requests.

 

Why don`t you open another Account with another Bank and use that from now on? You could still keep paying your £1 a month.

 

I`ll catch you later mate. I have a phising letter to print out now to another bunch of knob jockeys.

 

Regards

 

 

N.P

 

Opening another account is a good idea, however, banks have started using a new credit defaulting system called 'White Listing'. This means that your details are passed to credit reference agencies for the period that your account(s) are in arrears. Subsequently, your credit rating goes down, and when banks or building societies look to open a new account with you, they'll have the knowledge that you have an account in arrears and are more than likely to, until you're removed from the White List, refuse you finance of any sort. Unfortunately this is a relatively new system and anyone whose accounts are in collections get automatically passed over, however, as soon as you clear [them] your details are removed from the White List during the next calender month. This latest consequence has tightened the grip that creditors have over those who are in debt.

 

Just thought I'd let you know

Best wishes.

[N.P]

Opening another account is a good idea, however, banks have started using a new credit defaulting system called 'White Listing'. This means that your details are passed to credit reference agencies for the period that your account(s) are in arrears. Subsequently, your credit rating goes down, and when banks or building societies look to open a new account with you, they'll have the knowledge that you have an account in arrears and are more than likely to, until you're removed from the White List, refuse you finance of any sort. Unfortunately this is a relatively new system and anyone whose accounts are in collections get automatically passed over, however, as soon as you clear [them] your details are removed from the White List during the next calender month. This latest consequence has tightened the grip that creditors have over those who are in debt.

 

Just thought I'd let you know

Best wishes.

 

 

Hi there English_Beauty,

 

Thanks for that post.

 

I`ve never heard of that before, probably because it`s new like you say.

 

Where do all these black & white lists come from? It`s seem`s none of our data or activites is safe from anyone. It`s quite sad to think we live in a land where everyone else has a right to know everyone else`s business.

 

I bet most of the people who are on this virtual white list have been blasted with bank charges anyway, possibly one of the reasons why people`s accounts are in the red.

 

Perhaps we should all open half a dozen bank accounts before we all get spotted?

 

Regards

 

 

N.P

[N.P]

Hi again,

 

Just another thought, isn`t this another [problem] to trap you into more debt with your original creditor who is probably already lashing you with charges and interest?

 

 

N.P