Tate-Lloyd/Claims Management UK

[MARTIN3030]

Your track record is good.

So have you cleared card debts in full.Also would you agree that sometimes when you are stressed and over burdened with it all, sometimes it may feel easier to pay a small fee to get a company to do it for you. I was and know how it can feel during a vulnerable time in your life, say divorce, to want to just hand it to someone else.

 

 

In answer to your questions,the answer is YES and NO.

 

When I joined CAG in 2006 I had 2 CCJs and my credit file had 6 defaults.

I now have no CCJs and only 1 default.

Personally I have had NO inclination to pay a small fee to get anything done.

It is agreed that some people are vulnerable and can be stressed-thats part of lifes experience,whether you have credit card debts or not.

For the record I also conducted my own divorce proceedings from start to finish.

It was done and dusted in a matter of months.

The only parties that benefit from divorce proceedings are Solicitors.

I was adamant that I was not going to give any Solicitors any benefit from an already sad experience.

[supasnooper]

To c123 and steff63,

 

Perhaps you may like to post a new thread with your problem with creditors on the forum and we can try to resolve it with the help of the many CAG members.

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=170

 

I do hope both of you stay around and look at the advice that's offered.

[c123]

Hi there,

If you see above a member of their staff has written on the thread.

You have nothing to worry about.

The system is that about three weeks after the first Affidavit you will have a final one to have sworn. Once this goes off to the lender that should be it. You will get a final document from Tate-Lloyd confirming completion and possibly something from the lender, but sometimes you may have to rely on the completion document.

There is a backlog, not helped by moving offices. If you email them now at the address you have for them, it may help. Tell them you have not received the final affidavit. However you will be in the system.

Mine was slightly delayed also but came in the end.

 

I think you will find it easier to contact them now the move is complete.

It is easy when you read this posts to jump to conclusions and also for other posters to whip up a frenzy among the readers that everything is a [problem] without looking at the full facts. To date all hat has happened to you is that the process is a little delayed.

If you do have hassle from creditors there is a letter that Tate-lloyd can provide that you can send them stating relevant statutes that show it is illegal for the lenders to chase you while the debt is in dispute.

Sometimes there does seem to be little communication between the lenders and the companies they use to collect the debts but just tell them it is disputed.

 

One lender completely backed off when I told them it was disputed and apologised for calling!!! Another has passed it to their collection company but I have told them it is disputed and to refer back to the original lender.

 

Anyway, you have nothing to worry about. Just email them and say you have not received the final affidavit and can they send it out.

The end result is worth it. Divorce plays complete havoc with your finances so I really empathise with you.

Yes, Tate-Lloyd will speak to your creditors but it may not stop them chasing you.

claims managementuk.co.uk rang me and said to pay the money on my credit card and it will be wiped off so it would cost me nothing and the debt would be cleared in 28 days but they passed this on to tate and lloyd which advised me to canceld my direct debit so i did and 4 months on and they still have not cleared my debt and now i am black listed this has gone on for to long now all i have got from tate lloyd is my name black listed and caroline2009 explain that and the mighty tate lloyd things cant get any worse for me

[Caroline2009]

In answer to your questions,the answer is YES and NO.

 

When I joined CAG in 2006 I had 2 CCJs and my credit file had 6 defaults.

I now have no CCJs and only 1 default.

Personally I have had NO inclination to pay a small fee to get anything done.

It is agreed that some people are vulnerable and can be stressed-thats part of lifes experience,whether you have credit card debts or not.

For the record I also conducted my own divorce proceedings from start to finish.

It was done and dusted in a matter of months.

The only parties that benefit from divorce proceedings are Solicitors.

I was adamant that I was not going to give any Solicitors any benefit from an already sad experience.

 

I am impressed. Is there a way to remove late payment records from a credit file?

[MARTIN3030]

Late payments entries are only short term and so drop off on their own.

Lenders and Service Providers will say that you gave permission for these entries since its in T & Cs.

Unless there are inaccurate entries there,then you will struggle to have them removed.

Of course you are entitled to add a notice of correction.however if such was warranted then it would give rise for removal or amendment by your rights anyway.

[kabota101]

Oh boy, I am caught up in the same slow boat...no returned calls, no emails answered etc. I did manage to get hold of them this morning and after having my signed Affidavit for over 30 days it was sitting in a 'pile of them' but the person I spoke to said he/she would post it off today.

 

The main question for me is how do we find out if this whole process really works, I haven't seen any threads/evidence from anyone to prove that it does?

[c123]

Oh boy, I am caught up in the same slow boat...no returned calls, no emails answered etc. I did manage to get hold of them this morning and after having my signed Affidavit for over 30 days it was sitting in a 'pile of them' but the person I spoke to said he/she would post it off today.

 

The main question for me is how do we find out if this whole process really works, I haven't seen any threads/evidence from anyone to prove that it does?

i just recived i letter from santander saying they cant remove my name it will be black listed for six years and that i could send a notice of correction explaning why they were late payments what a mess i have payed to get my self black listed i am very angry at this because its not just the name its my address as well dose anybody know what to do?

[JBeady]

I have recently signed and sent back my final affidavits, I agree it has taken some time. However, I still have confidence that I am not being scammed and think maybe you are panicking too soon. I panicked at first, but then after reading all of the threads, realised that if everyone is ringing TL, then of course they are going to get back logged. If you want answers, then ring CM UK for them. I did and have got through to them everytime. It is them you have contracted to do the process for you, not TL. I have been satisifed that things are moving foward, all be it at a slow pace. At the beginning of this thread I said I would let you know if my debts have been cleared and still will. I have been told I will receive a final letter within a week or so. I only have letters and calls from 1 company now, some have threatened defaults, but I have just informed them that the account is in dispute and since have had no further phone calls from most of the creditors. It was CM UK that informed me that it would take 28 days, when I asked TL they said it could take longer and not rely on 28 days. I'll just have to wait and see won't I.

[ScarletPimpernel]

It is most disappointing to see that Tate-Lloyd have not responded to our queries, especially on the subject of compliance.

 

However, I expect to be able to post some information later on today which may be of interest, especially to those who feel that either Claim Management UK Ltd or Tate-Lloyd have not fulfilled their expectation.

[Fred09]

We are aware that some sales people are claiming it only takes 28 days, however this is only the minimum. We have addressed this issue, which causes a lot of problems for Tate-Lloyd.

I also like to point out that we only offer a File management service, basically we are sending letters on behalf of our customers.

We are not making any claims, nor do we give debt advice, we are refering to the OFT Debt collection guidlines.

Once the process starts our customers usually dont hear from us untill the process is over, unless the customer is contacting us.

 

However please email if you have any concerns.

 

Whilst you state that you are not insinuating that you are Solicitors, your company's name has Legal Services in the title. Does this not suggest to the average person that you are providing legal services and thus advice?

 

Unfortunately a Phd in law does not qualify you to provide legal advice, particularly on such a litigious subject.

 

If you provide just a file management service, and are writing letters on behalf of your clients, is this not something that they could quite easily do on their own, without paying a fee?

 

Therefore it is quite easy to see why your clients have been given the wrong impression, whether intentionally or not.

 

From this site it is obvious that many people using the services of tate-lloyd have concerns. Many people will be very interested to see their reply to the post of Scarlet Pimpernell.

[MARTIN3030]

I think its pretty fair to say that irrespective of any response here from T&L its very likely that there will be some further posts that will be of interest to all those who have been seeking answers.

[ScarletPimpernel]

I have now spoken to the OFT, ICO and to Trading Standards.

 

Swansea Trading Standards would be interested to hear from anyone who has had dealings with Tate-Lloyd, whether it is to make a complaint, or simply to report concerns.

 

The correct way to do this is via Consumer Direct on 08454 04 05 06. They will usually pass the information to your local TS, who will then pass it to Swansea. Following this procedure ensures that statistical information is forwarded to the OFT, which is of benefit in the long term.

 

You can also email Swansea TS at trading.standards @ swansea.gov.uk (remove the spaces), but note that they can only provide advice if you live in their catchment area, although all reports will be logged.

 

As always, CAG will be happy to assist anyone who needs further help. The more people who provide information to Trading Standards, the easier it is for them to protect consumers.

[B3rty]

Very entertaining.....Caroline is obviously connected, very hurt by the criticism and can only reply to questions with snide comments and insinuations about our low levels of IQ?...

 

She stated they were solicitors then withdraw this based on research that's she's done in the last day,not sure what her Intelligence Quotient is but I suppose that's an easy mistake to make!

 

Nice touch getting a staff member to post I assume admin have checked the IP address's to make sure this isn't the same person...

 

In summary this is an advert for them gone badly wrong

[steff63]

I have recently signed and sent back my final affidavits, I agree it has taken some time. However, I still have confidence that I am not being scammed and think maybe you are panicking too soon. I panicked at first, but then after reading all of the threads, realised that if everyone is ringing TL, then of course they are going to get back logged. If you want answers, then ring CM UK for them. I did and have got through to them everytime. It is them you have contracted to do the process for you, not TL. I have been satisifed that things are moving foward, all be it at a slow pace. At the beginning of this thread I said I would let you know if my debts have been cleared and still will. I have been told I will receive a final letter within a week or so. I only have letters and calls from 1 company now, some have threatened defaults, but I have just informed them that the account is in dispute and since have had no further phone calls from most of the creditors. It was CM UK that informed me that it would take 28 days, when I asked TL they said it could take longer and not rely on 28 days. I'll just have to wait and see won't I.

 

 

I'm with you, I'm in the same situation, Ive paid for a service and will wait and see what the outcome is.

I will also sing their praises if the outcome is to my advantage, be they solicitors or not.

Fingers Crossed

[Caroline2009]

Very entertaining.....Caroline is obviously connected, very hurt by the criticism and can only reply to questions with snide comments and insinuations about our low levels of IQ?...

 

She stated they were solicitors then withdraw this based on research that's she's done in the last day,not sure what her Intelligence Quotient is but I suppose that's an easy mistake to make!

 

Nice touch getting a staff member to post I assume admin have checked the IP address's to make sure this isn't the same person...

 

In summary this is an advert for them gone badly wrong

 

I think the comments here are unprofessional aswell as inaccurate.

I actually can't be bothered to respond as I am not so sad that I spend my life posting on forums!!!!!!

I also like to get on with my life rather than trying to ruin other people's by causing problems with inaccurate accusations.

For people who are having problems notfying bodies is of no help to their immediate situation. They should be going to the firm directly and asking for an update on their case.

I simply can't be bothered to post anymore.

This could have been such a good forum but seeing what has been written, knowing what I know, it had lost all credibility in my eyes. I suspect it is because too many of the posters are probably male!!!!

[ScarletPimpernel]

All very interesting, Caroline.

 

I think the comments here are unprofessional aswell as inaccurate.

 

Which comments are inaccurate, Caroline? I'm sure readers can decide for themselves who appears to be acting unprofessionally.

 

I actually can't be bothered to respond as I am not so sad that I spend my life posting on forums!!!!!!

 

Which rather begs the question as to why you seem to feel the need to expend so much energy defending a company you claim to have no commercial connection to.

 

I also like to get on with my life rather than trying to ruin other people's by causing problems with inaccurate accusations.

For people who are having problems notfying bodies is of no help to their immediate situation. They should be going to the firm directly and asking for an update on their case.

 

People who are having problems are at liberty to notify or complain to statutory agencies who have a duty to protect consumers, especially where a company appears to be unable or unwilling to confirm that it is compliant with its legal and regulatory obligations. In your earlier posts you were shrieking about how customers should not contact Tate-Lloyd, but to the introducers who flogged the service; now you say that people should be going to the firm directly! Do try to keep up.

 

I simply can't be bothered to post anymore.

 

Jolly good.

 

This could have been such a good forum but seeing what has been written, knowing what I know, it had lost all credibility in my eyes.

 

Knowing what you know - do you know Tate-Lloyd's consumer credit licence number, or their data protection registration number? Knowing what I know, Trading Standards involvement is hardly a surprise.

 

I suspect it is because too many of the posters are probably male!!!!

 

Never mind. Run along and crochet yourself a chip for your other shoulder.

 

[B3rty]

Getting back to the real business if T&L have found a new approach it would be good to know what it is so we can use this help those who need it for free.

[ncf355]

I think the comments here are unprofessional aswell as inaccurate.

I actually can't be bothered to respond as I am not so sad that I spend my life posting on forums!!!!!!

I also like to get on with my life rather than trying to ruin other people's by causing problems with inaccurate accusations.

For people who are having problems notfying bodies is of no help to their immediate situation. They should be going to the firm directly and asking for an update on their case.

I simply can't be bothered to post anymore.

This could have been such a good forum but seeing what has been written, knowing what I know, it had lost all credibility in my eyes. I suspect it is because too many of the posters are probably male!!!!

 

LOL

 

Is that seriously the best your "superior IQ" can manage?

 

In my experience of CAG we have quite an equal quota of M/F here, and as for the "unprofessional" comment, well, its not us thats purporting to be professional is it?

 

You'll forgive me, but "simply cant be bothered" sounds like a classic "I've thrown my toys out of the pram"

[sosumi]

subbing.

[supasnooper]

Well done to ScarletPimpernel for some sterling work and information which hopefully will help those posters who are worried about losing their cash that they can ill afford to lose.

 

I would also invite those posters to post their problems up on the forum to see if CAG can help them out without the need for payment.

[cashins]

Sub

 

It would seem that Caroline & Co are not aware of the old adage that, when you're in a hole - stop digging.

 

david

[yourbank]

I think the comments here are unprofessional aswell as inaccurate.

Correct them is you feel they are inaccurate.

I actually can't be bothered to respond as I am not so sad that I spend my life posting on forums!!!!!!

I spend my life on forums helping people so if that's sad then I prefer to be that way.

I also like to get on with my life rather than trying to ruin other people's by causing problems with inaccurate accusations.

Be more specific

For people who are having problems notfying bodies is of no help to their immediate situation. They should be going to the firm directly and asking for an update on their case.

Explain how they do that and how the process works.

I simply can't be bothered to post anymore.

Running away earns you no respect.

 

This could have been such a good forum but seeing what has been written, knowing what I know, it had lost all credibility in my eyes.

It's hard work and that is the challenge you must either accept or run away from on CAG.

 

I suspect it is because too many of the posters are probably male!!!!

I am but I also dislike certain companies and the way they treat people with misleading claims.

 

Caroline, either you have the guts to defend yourself on the forum or you don't. The forum is not a popularity contest and the forum is never going to be inviting for the type of work or job you do. Have some courage to answer the questions asked. You will never win with some people but you may earn respect from others for at least trying to be honest to the best of your ability. Running away means no one has the chance to respect your view even if it is something that they may not ever be able to agree with.

[MARTIN3030]

The truth is,from the complainants who have posted with their stories of the service they have received,together with information thats been unearthed by contact with regulatory bodies-it would seem fairly conclusive that concerns raised throughout this thread have turned out to be valid.

 

Rules and regulations are in place to protect consumers from those who seek to exploit the reclaims and debt cleanse markets.

CAG makes no apologies for bringing such examples into the spotlight and reporting those who engage in it without proper licensing,or concern for its customers.

Sometimes the truth can be hard to bear-but theres no hiding from the regulators.

Those who take their chances in avoiding compliance of their responsibilities,can not complain when they are discovered.

There can be no excuses-end of.

[mrdj]

I have today received my monthly report from credit expert to discover that Egg have reported a late payment on my account, even though they are aware it is under dispute. I am considering making a complaint to the financial ombudsman, has anyone had a similar experience?

[MARTIN3030]

I think that you will find that this is a Data protection issue,although the FOS can deal with complaints about adverse action being taken following a dispute that is ongoing,insofar as the entries on your credit file are concerned,then this would be a sep matter for the ICO.