My lloyds tsb credit card debt

[MorganaNK]

Hi, Debt Morons are still demanding money - they have done a credit search and got the new address... can anyone point me in the direction of a letter I can send that says "X haven't informed us that they have passed on the debt, Y haven't produced proof that they can collect, especially as Y didn't know the arrangements with X. You can understand my concerns at paying money to either X or Y when neither of you appear to know what you are doing and I don't feel like throwing money into the abyss?"

 

Thanks

 

Bump - I really would like to get this letter out today if at all possible... thanks

 

Bump again... please can someone help me with this...

 

Pitifully bumping in the hope that someone will be able to help me with this...

[bazaar]

If DM are harrassing you, then send the anti harrassment letter in the templates section.

Or adjust what youve already put a few posts back

[MorganaNK]

Does this work?

 

Dear Sirs

 

Re: xxxxxxx

I write further to your numerous letter concerning the above.

 

I must admit to being somewhat surprised and bemused by the tone and content of your letters. I have received no notification, formal or otherwise, that Wescot have passed this debt to your company for collection. As you will appreciate, I am entirely within my rights to request that you provide me with this information, and I will be withholding payments until such time as I receive this paperwork. I need clarification that you have a legal authority to demand payments from me, and if the debt has been passed to you from Wescot you should be able to produce this.

 

Yours faithfully

 

Robbers way took the ball next - told them to sod off, they have written back to say that their client has provided the information and I must pay... which is funny as you will see by post 1 they actually admit they haven't got the CCA! Do I write and tell them that their clients are liars or... please help - thanks

 

Can someone cast their eyes over the above letter before I mail it on Monday - thanks

[citizenB]

Can someone cast their eyes over the above letter before I mail it on Monday - thanks

 

Morgana, your letter is perfect, post it.

[MorganaNK]

Bump...

 

Thanks CitizenB... x

 

Is there a letter on here titled - your client is a liar??? Should I show my hand or should I just ignore them?

[Blondie40]

Is there a letter on here titled - your client is a liar??? Should I show my hand or should I just ignore them?

 

Ignore them, you've requested a CCA, it hasn't been supplied, let LTSB take you to court.

[MorganaNK]

Ignore them, you've requested a CCA, it hasn't been supplied, let LTSB take you to court.

 

Thanks Hon... or though I'd rather they didn't - I just want them to go away and leave me in peace...

[Blondie40]

Thanks Hon... or though I'd rather they didn't - I just want them to go away and leave me in peace...

 

If LTSB don't have the CCA then the chance of them taking you to court is slim, however the account will get passed from one DCA to another so you just have to accept you'll keep getting the letters, you can send the Account in Dispute letter when a CCA requested is not complied with, but most of the DCA's ignore it.

 

The way I dealt with it was when first heard from a DCA was send the Account in Dispute letter and then when they wrote again, I wrote back refering them to my previous letter. You just have to play the game.

 

Have you heard from SCM, LTSB in-house solicitors, yet?

[MorganaNK]

 

Got this after months of waiting... they seem to have grouped both accounts together in this letter... where should I go now? Thanks

[Tartan Barty]

Too small to read!

[MorganaNK]

I have enlarged the images but they are still posting as small - any suggestions?

 

Bump

[2Grumpy]

First they are required to keep the CCA for 6 years after the account closure. They are in the mire.

Second they should have been more up front about the accounts. You might end up paying some of the bank overdraft (less charges) but you don't want to pay any of the credit card.

Your position would change if they did not follow the correct procedure when they closed your current account. (They probably didn't)

So don't take any cr@p from these people. Start looking for the default notice & termination for your bank account.

Let them know that you won't deal with them rolling the 2 accounts into one figure and that they are stuffed over the credit card

[MorganaNK]

Thanks... will have a look for the info... but as I have moved I may not have it... if I ever did! x

 

Wrote to L-TSB on behalf of mum with a CCA request... heard nothing... today we get a letter from Moorcroft on L-TSB paper.

 

They call this a statement... and they used the £1 as a payment on the account! I know they aren't supposed to do this... whose legs do I need to break???

[Bazooka Boo]

Sorry to get this straight, LTSB were sent a CCA request direct? For a loan/Credit card?

 

And in response you got a letter from moorcr@p asking what?

 

So they sent a statement of account and it shows that they have used the stat payment of £1 against the alleged debt and not for it's intended purpose.

 

Easy peasy....

If it was LTSB who received the CCA request & they have missapropriated the money in a vain attempt to restart the limitation clock, send them a Letter Before Action (LBA) stating that they either supply the CCA, or if they cannot do so, return the £1 postal order, failure to do so, will result in further action, including but not limited to reporting them to the ICO/ OFT & the police.

 

If it was sent to moorcr@p then the same applies send them a LBA, however, I fear you may have sent a CCA request for an account that isn't covered by those sections of the CCA, please tell me it isn't for an overdraft...

[MorganaNK]

They state it is for a loan... happy days!

[Bazooka Boo]

Sweet!

Will be back on later to advise, hopefully someone else might beat me to it..

[Tartan Barty]

A word form the wise:

 

Royds do have alot of agreements which you will usually get when you SAR them but if you CCA them through a DCA they send the 6 year guff letter. Don't ask me how I know this

[MorganaNK]

Got a second letter from them basically saying the same thing... and a lovely letter from Robbers Way asking where they have gone wrong because I will not contact them!!!

 

I am trying to find the default notices etc, but as I have moved I wouldn't bet that I actually still have them - what do I do in the meantime... if anything?

 

LLoyds wrote and informed us that the account was being handled by debt morons... sorry, I mean debt managers... mum has now had the "We have been informed you don't want to play ball and that we should take legal action... if you can't pay it all in ten days then we will need an income and expenditure form"

 

Can I write to them and say "We have never refused to pay, we just object to the way that this has been handled... changing agencies, not notifying us until we kick up a fuss etc..."

 

Can anyone advise???

[babybear39]

They are NOT entitled to see any I & E forms, only a judge can order that. Make a formal complaint to LTSB and exhaust their internal complaints procedure. If you're not happy with their exscuses report them to the FOS and the OFT.

[huggy41]

i'd put this in in a letter dear sir's i have no problem in supplying you with an icome and expenditure breakdown. But as the debt collection industry with whome you are a member of act frivolously with my peronal information i shall decline until ordered to by a Judge.

[MorganaNK]

Sorry guys, but I really need to deal with this as Mum is getting worried... I will make a complaint to L-TSB, but in the mean time, can I write to them saying that we had an arrangement with Wescot which they broke when the transferred the account to Debt Managers, and that we would stick to the arrangement if only they stopped mucking about... and that they have no chance of getting and I&E from us... all help gratefully received... thanks

 

I don't actually recall this being for an overdraft - they closed my account, I am sure it was for a loan and for a credit card... what should be my next step with this issue... however much I may feel like it I know ignoring them isn't an option...

 

I am about to send out the letter before action... just checking that this is the right thing to do... ???

[Bazooka Boo]

Yes send LTSB the LBA, 'if' it was them who used the £1 PO against the alleged debt, give them 7 or 14 days to supply the CCA, or to return the PO, failure to do either will result in further action.

[MorganaNK]

Cheers Hon... advice and confirmation much appreciated... x

[babybear39]

Just write a short sharp letter to LTSB to stop playing games and stick with one DCA also advising that you're reporting them to the relevant agencies and follow through with that promise .

 

First step is SAR then we can see what nawty LTSB have been upto. They combined two of my alledged debts, which isn't allowed and sold them to the 'lovely' people at 1st crud!

 

The largest alledged debt they kept for themselves and got a judgement by default through Northampton bulk centre using ****!

[bazaar]

Did you ever recieve the stuff from SAR?

Have you been through the statements from account starting?

If there is any discrepency, then the account must remain in dispute, and that is what you tell these idiots.