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Now I really am bemused!


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I has been a while since I posted on here as thanks to all of you I have managed to see off all but one of my nemesis'.


Lloyds TSB are a tough nut to crack to say the least, just by way of background I CCA'd them back in April 2008 and they have failed to come up with anything...told me the standard stuff...I should have the CCA already....they don't need it to pursue the debt etc. etc. They passed it round to several outside DCA's who I sent the standard "bemused" letter to and they passed it back to LLoyds pretty smartish. I complained to the FOS, waste of time that was. I decided to SAR Lloyds to see just what they had and at this point they decided they weren't sure I was who I claimed to be and refused to send my documents to my address and told me I had to collect them from a branch of my choice....I complained to ICO, who were about as useless as FOS...and collected the documents from the local branch...they stated that I would have to sign for them, but never told the branch staff who couldn't seem to care less who I was:rolleyes: Needless to say the documents did not include a credit agreement, in fact ,most of it was gibberish to me.

Lloyds went quiet on me for a while and then a couple of weeks back I got a letter from Iqor threatening doorstep collection etc. ....so off went the bemused letter again but this time something different happened, this morning I got a letter from LLoyds thanking me for taking the time to contact them about my complaint:confused: (what complaint) that they had chosen Iqor as a third party to deal with my account and that they did not uphold my complaint but would be happy to give me the FOS details etc.


So why are Lloyds replying to Iqors letters? Surely unless Iqor(or any other outside DCA) are sold or assigned the debt they cannot do anything other than send me more threat-o-grams? Only Lloyds can do the obvious next move (other than giving up) taking it to court? Or am I wrong? Not sure whether to just ignore their letter or what....should I just wait and see or should I write back stating that I have not made a complaint to them and reiterating the current situation i.e. No CCA no dosh?


Your input most welcome:D

Edited by Helmetfire
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Iqor are also known as legal & trade collections and are owned by US-based IntelliRisk Management Corporation (IRMC).

Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

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Hi I think this is just a case of it's them again try letter number 7 that will make them think or some such rubbish.


I dont think that these plonkers have any idea what coming to them as more people find sites like CAG and start to treat the banks with the contempt they deserve.



cannot find it A to Z





Halifax :D

Paid in full £2295


MBNA:mad: 20/03/2008 settled in full out of court


Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs


Littlewoods :-D

12/08/2007 write off £1176.10 debt.


JD Williams charges refunded in full £640

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Just to cheer you up.


You probably saw that LloydsTSB are sacking 5000 more people by the end of 2010 and one of the area's concerned is collections.


Saw this:


Brighton & Hove Business Forum: 220 job losses in the city Lloyds TSB, Employment,Recession,


As you can see 220 jobs are going in Brighton.


Could be they have more cause to worry than you.



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