Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Thanks for this update. Obviously I'm very pleased that your guitar has been delivered and that you don't have to take any further action about this. On the other hand, I'm slightly disappointed because I was hoping that this might be an opportunity to deliver a serious slap against Hermes. Anyway, who knows why it happened like this – but the most important thing is that the item has been delivered and you're not out of pocket – and also probably you have learned a good lesson – don't use Hermes – or Packlink. It's a recipe for trouble.  
    • The assets are allegedly linked to more than $4.5bn stolen from the Malaysian state investment fund. View the full article
    • I have debts of my own and will sort another advice separate for them as now I’m not working and a full time carer for wife & daughter I’m struggling to pay them so will want advice on letters to send them for reduced payments etc But for now I need to know what to do about PayPal as its really making me worry and is making me ill but ive got to try be strong and put on brave face for wife & daughter I dont want them picking up on something is wrong & worrying me
    • Help & Advice wanted on PayPal debt please I had someone staying with me for a while before they moved away and they had access to my PayPal account and was buying a few things and giving me the money no problem but then unknown to me until it was to late they had a gambling problem also and last off used my PayPal to fund online gambling . They ended up using £5,000 through PayPal and the first I knew was when I went to do some online banking and seen £1200 went out of my bank for PayPal so I looked straightaway and stopped / cancelled my bank letting PayPal take from my account . Then I logged on to PayPal and seen transactions 1 after another this going to total the £5,000 so I unlinked my bank & cards from PayPal account . Then nearly 2 weeks after I started getting emails and messages saying my account was in negative balance for £3,800 because they already had the £1200 . I’m in a bit of debt anyway and struggling so for this to happen left me feeling very ill to find they have spent thousands and left me without anything no money to live on or feed family even at the time as that £1200 that was took out of my account was all I had, I’m very annoyed and feeling very mad and very ill. Ive no idea how I can put this right as got no work no money because My wife got struck down with illness and disabled and I also have special needs daughter so I’m now a full time carer for both wife and daughter . I need to sort this but dont know how or best way to go about it. Ive had emails from PayPal and ive replied and explained plus went on live chat etc and asked for it to be logged and for them to please come to some payment agreement even though I cant afford it I know I got to put things right somehow but had no joy in chat and was just told pay into PayPal what I owe. So again I get emails and I reply but not getting any reply back to my emails . Ive not told my ill disabled wife about this right now as it would push her over the top and make her more ill thinking about it and its her Nephew to top things off so I know it would destroy her . Ive tried talking to someone with PayPal in live chat etc and emails as said asked if it can be logged showing ive been in touch regarding this matter and need to try sort it and also asked for them to contact me in writing so hopefully we can come to some sort of agreement to put this right but so far its been about 31 days now since account been in negative and ive had no phone calls or letters from them yet So what can I do and whats best way to deal with this I’m trying to pursue the person for these funds as we speak but know I’m not going to get anywhere
    • The US House Speaker said the law was a "brutal, sweeping crackdown" against Hong Kong's people. View the full article
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
Onslowette

Lloyds debt / CCA / Wescot - help please!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3686 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

Im still getting to grips with all this. So firstly if Ive started this thread in the wrong place - apologies!!!!

 

Im currently going through all my partners debts etc. He has a debt with Lloyds - he believes its from an old business loan but has lost the paperwork. The loan/debt must be from at least 5/6 years ago when he was self-employed. To cut a long story story short he got into financial difficulty and the debt was taken on by Wescot. He currently pays £40 a month by DDM to Wescot.

 

He want to go through the CCA route etc with this and hopefully get the debt written off. But I need some help....!

His last correspondence (dated 22.05.2009) was from Lloyds TSB (Bristol address). And attached a "Concessionary Arrangement Statement" yet then goes on to say "Your accounts is/are being managed by Wescot Credit Service Ltd". Do we sent the CCA request to Wescot or Lloyds? He does get regular letters from Wescot offering him 25% off he he pays the whole lots off as a settlement offer.

 

Any help/advice would really be appreciated as he's struggling to pay the £40pm DDM........

Share this post


Link to post
Share on other sites

ok well don't fall into the trap proported by claims co's that your debt will be magically written off if the CCA proves unenforcable - it wont!

 

A CCA that returns as being unenforcable or non existant is not some magic bullet that wipes debt out, all it does is makes the debt unenforcable in a court of law. and the debt remains that way till an enforcable CCA appears.

 

Now what it does do for you is put you in a very strong position, esp in respect of a DCA that has BROUGHT the debt [as apposed to just collecting on it for the OC,] to make a very low F&F offer to close the matter once and for all.

 

actually i'm really suprise WC has not forced a higher repayment over this time, they are usually one of the most unfriendly ones to deal with

 

now , back to you question............

 

you need to find out if wessy are collecting or have brought the debt

you should have recieved letter from bank & wessy that told you they were buying the debt did you?

 

i bet if you CCA wessy they will say you will have to wait for them to get it from the OC

it matters not as the 12+2 working day limit still stands regardless

 

HTH

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi, Onslowette.

 

Send CCA to Westcot ;)

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Hi,

I will send the CCA to Wescot and see what happens. In respect to them not asking for more money. There is a letter from Wescot (dated 02.04.2008 ) which states amount of debt £4976.42. Frequency of payment monthly. Amount each payment £40. Final repayment month October 2018.....So not sure they could ask to increase it as they have stated that??

Thing is I wish OH did have the original paperwork as he's convinced there was PPI on it too that he was told he had to take out.......

Thanks for your help and I will update this thread as things progress.

Share this post


Link to post
Share on other sites

Firstly before writing to anyone I would check the Credit file to see who it states as the legal owner of the data!

Share this post


Link to post
Share on other sites

Thats the other odd thing with this debt. We did get copies of his credit files a couple of months back. There is nothing listed anywhere in relation to this debt?!? The only thing we could think of is as it would been a business loan maybe it didnt show for that reason.....or are we wrong?? :-?

 

Im going through all his files tonight and its a nitemare! Off to start a HFC thread.....as thats another mess!

Share this post


Link to post
Share on other sites
Hi,

I will send the CCA to Wescot and see what happens. In respect to them not asking for more money. There is a letter from Wescot (dated 02.04.2008 ) which states amount of debt £4976.42. Frequency of payment monthly. Amount each payment £40. Final repayment month October 2018.....So not sure they could ask to increase it as they have stated that??

Thing is I wish OH did have the original paperwork as he's convinced there was PPI on it too that he was told he had to take out.......

Thanks for your help and I will update this thread as things progress.

 

yep i was wondering about charges & PPI

 

might be an idea to follow the sticky on the ppi forum and send an sar to the OC rather that CCA wescot?

 

you can always [if it is not already done] include a line that you want the CCA in the SAR returns package

 

OK it cost £10 as apposed to£1 & it will be 40 days rathe than 14, but ithink its worth it!

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

If its not on any of your credit files, why are you paying it!

Share this post


Link to post
Share on other sites

Hi again, I might be being very dim lol but cant seem to find a subject access report template. Can you point me in the right direction? Thank you again for all your help, this can all get quite confusing...well for me anyway!

Share this post


Link to post
Share on other sites

Found it! Will get it sent off asap

Share this post


Link to post
Share on other sites
If its not on any of your credit files, why are you paying it!

 

 

thats only a list of reported debts

it is not comprehensive

it might not show at all for early A/C

then again it might be on one of the other two cra sites

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
If its not on any of your credit files, why are you paying it!

 

I had an account with HBOS for years, that never showed on my report until I defaulted.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

How old is the HBOS account, when did you open it? It could well be that at the time you did not give consent to HBOS to share your data with CRA's, therefore you can get it removed as being unlawful data.

Share this post


Link to post
Share on other sites

The loan would have been taken out 5/6 years ago...

Share this post


Link to post
Share on other sites

Update - due to one thing & another we didnt get to sort this debt & SAR out for a few months.

 

Anyway we sent SAR off to Lloyds TSB.

Have had a letter back today saying to enclose a cheque for £10 (which we have already done?!?) also

"I see that we do not hold an up to date signature for you. For your security we will require a copy of either your passport or driving licence, certified by a lloyds tsb branch for id purposes. Or alternatively once we have collected the info you can collect the parcel from a lloyds branch and show ID then.

Am I right in saying they dont need ID etc or for a quiet life do I just do what they say???

They have also enclosed a form we have to complete in order to get the info....

Thanks for any advice

Share this post


Link to post
Share on other sites

Just another update on this -

Completed the form they sent basicially just asking for copies of everything (as Id already requested on SAR). Also said they dont need copies of my ID....hope I was right with that.

 

Have heard nothing back. No acknowledgement, chq not cashed and no info.....

Share this post


Link to post
Share on other sites

Update -

Recieved all the info from them yesterday. Im saying all the info but havent gone through it all yet. Theres tons so will take me a good few days/week to work through it, they also sent a cd with phone calls on. Will update again once Ive been through it all!

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...