Lloyds debt no2/ dlc/et all...now with a discount offer...!!

[Dorabell]

thanks CB:)

[Dorabell]

hi all looking through some paper work i have found this a copy of the original agreement what do you think? it does not corresponde with the one below i will post up

[Dorabell]

[citizenB]

So the one in 53 is the copy you kept and the one in 54 is the one they have sent saying is a copy of the original ?.

 

Tsk, tsk.. brilliant

[Dorabell]

yes in 53 is the original one:)just by luck i have been going through loads off paper work and came across it

[citizenB]

Date of agreement is different. Top one apparently signed on the 25th April and on the bottom one, 29th April

 

What other differences are there, especially in the text as I cant see the top one too clearly.

[Dorabell]

Hi CB its the same apart from the bit in the bottom right were its says the bit office use only this is the agreement date

[Dorabell]

Hi all update i have received this letter today i will post up any advice please:)

[Dorabell]

[babybear39]

Report them to TS and the OFT for suggesting in thier letter that you can pay with a credit card!

[Dorabell]

Report them to TS and the OFT for suggesting in thier letter that you can pay with a credit card!

 

thanks babybear will do if it does any good i feel its like banging my head on a brick wall this account as been passed to 1st credit, AIC now lloyds have it back ,any advice i can send back to lloyds, although there has been a dispute letter sent to them

[babybear39]

LTSB and **** are the worst to get rid of. I'm surprised 1st crud passed it back

 

Just write them a short letter refering them to your letters to each seperate company

[Dorabell]

LTSB and **** are the worst to get rid of. I'm surprised 1st crud passed it back

 

Just write them a short letter refering them to your letters to each seperate company

 

 

I now having battles with another account they taking me to court:mad: thanks i will try, got that much going on at moment

[Dorabell]

 

Hi should i send loyds tsb the cpr letter:confused: has they are threatning legal action or remind them its still in dispute? your advice is appriciated thanks:)

[Dorabell]

bump:)

[babybear39]

Just remind them that's it's still in dispute and please report them for their breaches of the OFT guidlines.

[2Grumpy]

Hi should i send loyds tsb the cpr letter:confused: has they are threatning legal action or remind them its still in dispute? your advice is appriciated thanks:)

 

I have done with NatWest in respose to a similar letter.

 

They ignored it & farmed it out to another DCA

 

I suspect that it is their threatogram that they use to scare you while they choose which DCA to use next

[Dorabell]

I have done with NatWest in respose to a similar letter.

 

They ignored it & farmed it out to another DCA

 

I suspect that it is their threatogram that they use to scare you while they choose which DCA to use next

 

Hi thanks its already been with 2 dca and been passed back to lloyds

[Dorabell]

hi all a little update i have checked the above account on my credit file its showing on there twice:confused: one were its being settled the other as a default any advice please:)

[Dorabell]

hi all sorry to be a pain i have been doing some digging i have noticed a few things that dont add up with this cca the account numbers are diffrent the number tsb are relying on is diffrent to the number on the cca:???: the request i made back in april 08 copy in post 2 so there is now cca for the account number tsb are relying on any advice please

[2Grumpy]

If the card has been replaced (e.g. lost stolen) there will be a new card / account number.

 

If TSB bought the account from morethan when it was still active, did they give you a TSB card? That would account for it.

Edited July 27, 2009 by 2Grumpy

[Dorabell]

If the card has been replaced (e.g. lost stolen) there will be a new card / account number.

 

If TSB bought the account from morethan when it was still active, did they give you a TSB card? That would account for it.

 

Hi no:eek:

[Sue1962]

Hi Dorabell

 

We have also had dealings with the 'in house' solicitors from Lloyds Bank. They also gave us the statutory '7 day to settle' treatment. We wrote back to them explaining that we were in 'Financial Hardship' (template letter available on Money Saving Expert website) and they sent us a form to complete to show income and expenditure and asked US to make an offer for monthly payments that we could afford. We offered an amount and they accepted. No more hassle from them and now breathing space to sort things out long term.

 

Hope this gives you indication that there can be light at the end of the tunnel.

[2Grumpy]

Have you posted up the default notice here?

 

The amount on the DN should have been the total of any missing payments & there should have been a date on it to resolve the default of 14 days in the future, after allowing time to be delivered.

[2Grumpy]

Hi Dorabell

 

We have also had dealings with the 'in house' solicitors from Lloyds Bank. They also gave us the statutory '7 day to settle' treatment. We wrote back to them explaining that we were in 'Financial Hardship' (template letter available on Money Saving Expert website) and they sent us a form to complete to show income and expenditure and asked US to make an offer for monthly payments that we could afford. We offered an amount and they accepted. No more hassle from them and now breathing space to sort things out long term.

 

Hope this gives you indication that there can be light at the end of the tunnel.

 

If you have not been making any payments, this might not be your best way forward at the moment