Jump to content


  • Tweets

  • Posts

    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
    • Hungary is attempting to be a world power in manufacturing electric vehicle batteries, despite locals' reservations.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lloyds Credit Card - valid CCA, then settlement offered.


allets
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 491 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Just an update on this continuing saga.

From the previous postings on this topic, re letter from Lloyds, then a reply to them, letter from SC & M and a reply back to them, see below:

 

Another demanding letter appeared through the letterbox today from MHA Collections.

 

Do these people ever give up? Or is it a tactic which mainly pays off for the people who do not know of this forum?

I am sure though that as more and more of the general public find out about this forum, it just creates a larger and larger headache for the OC's and DCA's.

 

This is the reply I am sending to them, which is what I sent to SC & M, obviously amended with new address and date, etc.

 

2009-02-26 SCM reply to my offer letter.pdf 2009-03-25 LLoyds debt MHA letter.pdf

Link to post
Share on other sites

  • 3 months later...

Hello fellow Caggers.

I sent for and received a valid CCA for my credit card back in March.

Surprise surprise, because it was valid, it was received in the specific timescale, with all the details correct. Now if it was invalid, I would still be waiting for it (like most of the other creditors I am dealing with). Anyway I digress.

Yesterday I received a full and final settlement offer without prejudice of £4,700 ( I owe them just over £9,000) provided I pay it within the next 10 days.

I am currently paying them £25 per month as arranged for the next 6 months.

It does seem tempting but as I can't afford do pay this, then I will be declining the offer.

Does this seem a good deal and would there be any strings attached?

Could I make them a lower offer? If I could manage to wittle them down to 10% I might be able to manage to pay that.

What do you think?

 

Regards,

Allets.

 

Bump

Link to post
Share on other sites

Well you havent got anything to lose by putting forward a counter offer have you?

 

I would try it and see what they say.

 

Write them a letter telling them you cant afford £4,700 but could pay the debt off if they were willing to accept a f and f settlement of £1,000 (or whatever you can afford). Alternatively you will continue to pay £25 and you dont see your financial position changing in the foreseeable future.

 

Remember to add the condition that it is removed from your credit file too.

And make sure that you sound confident and in control and give them a deadline to respond to you or the offer will be withdrawn.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

Link to post
Share on other sites

  • 13 years later...

An update to this long running debacle.

 

I CCA'd the current DCA ( IDEM) back in May 2022 as with other debts and increasing gas, electric, etc I was struggling to pay the monthly payment to them.

 

Nothing was heard after the deadline for a response, so I left it at that.

 

I received a letter from Hoist Finance stating that they had taken over the Debt from IDEM and should resume payment to the account.

 

I then replied back to them (Hoist Finance) that I request a copy of my CCA, this was at the end of October.

I received a reply on 12 November 2022, stating that they will contact me when they can provide me with a response.

 

Sure enough I got a reply yesterday along with a copy of my CCA. 

 

All the details seem correct along with my signature and date ( see attachments).

obviously I have deleted all information, but everything is crystal clear on the document I received.

 

How do I proceed with this?

 

If anything, it has given me a break from payments since June, but I was hoping for a better outcome.

Regards,

Allets.

 

hoist CCa return.pdf

Link to post
Share on other sites

  • dx100uk changed the title to Lloyds Credit Card - valid CCA, then settlement offered.

that's not a CCA ...it's an application form that does not have all  the required prescribed terms etc to make it a CCA .

 

shame you assumed 13 yrs ago that was enforceable, you've been a nice cash cow to various DCA all theses years, no wonder they sold it on, here you have some free money, this mug has been coughing up nicely to use for 13yrs...

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

FWIW a set of T&C's are NOT a replacement of the prescribed terms which must appear within a CCA regulated agreement.

 

that CCA is an application form devoid of all the necessary prescribed terms

 

you've been had, wrongly assuming it met enforceability....cash cowed.

 

dx

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

thread tidied

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

god no do not ever tip them off.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...