My lloyds tsb credit card debt

[discod]

I had a letter from these fools this morning.We reported Abbey to OFT for breaching our Data Protection and making all our bank details pubilc to a debt company.We are still waiting to hear from OFT and have told Wescot until the investigation is finished we will pay nothing.Wescot say because Abbey say the debt stands they can still collect (which if course Abbey will) Im paying noting and sending them a letter telling them so,I also stated if they continue to phone me day and night I will report them!

[Bazooka Boo]

Well Morgan, for using your CCA payment against the alleged debt is a common tactic they like to use, as this will re-set the SB clock (In their tiny minds)

However, what you MUST send them now is a LBA demanding from them that they either send you your request of the CCA, OR they return the payment, if they fail to do either then not only will you report them to the OFT and ICO, but will seek advice with a view to taking legal action against them.

[MorganaNK]

I sent them a letter a while back, also complaining that they had clumped the debts all together (although they are being chased by seperate DCAs just like they are doing with mine) - they completely blanked them. I am beginning to feel as if I am going to spend the rest of my natural life complaining about these people! One of the debts they produced a CCA for, and we set up a payment plan with Wescot. Two payments later and it had been passed on to someone else, and it has been to three collection agencies since. I again wrote to L-TSB and told them that I was not going to discuss a payment plan with any of the new DCAs because it wasn't my fault they kept playing musical DCAs - they have ignored that letter too. The only time they respond is to say that our signatures aren't good enough, and that they are sending the data to a L-TSB branch end of story!

 

It is stressful trying to keep up...

[Bazooka Boo]

FOS and OFT, pass it to them, and ignore LTSB until they come back with a response. If these fools can ignore you, then you should reciprocate and ignore them back, if they were going to do anything they would have done so by now, I don't know why anyone bothers talking to DCA's, well unless for a bit of fun!

[MorganaNK]

Weirdness continues - L-TSB have now sent my mum two letters detailing full payment history on two paid up loans... surely this is part of her SAR information that they are refusing to send to us due to our "scanned signatures" and are sending to the branch of their choosing for us to collect

 

Weirdness again... L-TSB have sent both the loan letters a second time, with an envelope... no covering letter... no explanation... nothing... are they losing what little of the plot they had left???

[Bazooka Boo]

Have you made a formal complaint to Lloyds? If so how far down the line are you with it?

[MorganaNK]

I have written to them and complained about their behaviour but they have ignored both letters. We received on from a solicitor on behalf of Apex on Friday, and I sent them a copy of the "This alleged debt is currently subject to a SAR request..." letter, and also sent a copy to Apex again...

 

From your post it sounds as if I should be making a formal complaint, not just writing and complaining... I guess I need to contact them and ask for their complaints proceedure...

 

I really get frustrated with these idiots

[Bazooka Boo]

If you have a copy of your initial complaint, then copy it and send it to them, and re-iterate, that you now believe their failure to act on your first letter of complaint is indicative of their ignorance, therefore you are now escalating the matter to the second level of their complaints procedure, if they still insist on acting with impunity and ignoring you, their silence will indicate that they cannot deal with your complaint and you will happily escalate the matter to the FOS.

 

A complaint is a complaint, IMO it matters not if you word it formal complaint, they are still bound by their own guidelines to deal with ALL complaints within 8 weeks.

[MorganaNK]

Doing what you suggested Bazooka B, but now Wescot are bombing us with threatograms even though we have told them repeatedly that this alleged debt is under a SAR - it's the old legal action threat now - do I just ignore them or send them one of the "The contents of this letter are valid even if they are not read by you" that these idiots are so fond of???

[Bazooka Boo]

It is probable that all you are receiving is letters generated and spat out by their computer, until it has any human input it will continue to spit out irrelavent nonsense which they believe threatens and intimidates people, keep a diary of events as to their harassment in order to make a formal complaint to the OFT&TS at a later date.

Look at their childish letters and see that they are littered with 'may' 'might' 'could' and the rest of their puerile language.

 

Wetcloths can't read for a start, hence the reason why they ignored your letter, pointless sending the little darlings anything else, unless it is to tell them to go to their rooms and wait for their father to get home!

[MorganaNK]

Wescot have now passed things on to a solicitor - and there is no may in this letter - reply within 14 days or we WILL take further action... the letter is dated the 14th and we received it today at the new address - the one we never confirmed.

 

Trouble is, my Grandad was in hospital for ten weeks, and for the last few we were rushing back and forth there until he sadly died of hospital acquired pneumonia on the 8th - we have the cremation tomorrow and haven't had five seconds to collect the SAR documentation from Lloyds (have to do it before the end of the month)

 

Lloyds still haven't acknowledged the original letter of complaint - I guess once the cremation etc is over I will have to kick some arse... but in the meantime what do I say to the solicitors - they are Nelson something or other (don't have the letter to hand right now)

[Bazooka Boo]

Nelson Guest solicitors?

 

They are wetcloths puppet lawyers!

[sillygirl1]

You have a good case to get this thrown out with the recent bereavement.

 

Nelson Guest as stated are 'solicitors for rent' and have almost as much power as a used lightbulb... they use them when they are loosing the paper ping pong game.

[Bazooka Boo]

Nelson Guest as stated are 'solicitors for rent' and have almost as much power as a used lightbulb.

 

As useful as indicators on a submarine, a chocolate fire guard, and ashtray on a motorbike, another good line to use against them, as much power as a used lightbulb! Brilliant..

[MorganaNK]

I think it is that bunch... but I still haven't had a chance to look at the letter (will do it tonight - yesterday was emotionally draining, and the hours spent in traffic on the M25 did nothing to help the situation!)... do I need to say anything to the solicitors or do I risk pretending they are tinnitus?!?

[Bazooka Boo]

You can simply write to them stating that at the present time, this trivial matter will receive no attention form yourself for a period of 8 weeks (or whatever you feel is appropriate?) due to a bereavement in your family. If they insist on making continued threats or harassing you within this time period you WILL report them to the Police for the criminal offence of harassment, and seek legal advice with a view to taking action against them and will seek damages.

 

Or you can just ignore them, but IMO I would probably go with sending them a letter just outline that this is not even close to being on your list of things to do.

[MorganaNK]

Thanks Hon, letter is in the mail today x

[MorganaNK]

Well, finally collected the SAR stuff from Lloyds today (and got the ring back!) - they took photocopies of our passports before they would let us take the stuff... there is so much of it I have just stuffed it in a cupboard to not think about over the weekend....

 

The same day we had a letter from Moorcrud... "It is a legal requirement to send a notice of INTENDED LITIGATION before legal proceedings in the county court are issued. We believe that this letter fills this requirement even if it is not actually read by you.... yadda yadda yadda" The date to respond is tomorrow "a claim may be issued by solicitors instructed to act on behalf of our client without further notice"

 

Still no response to my complaint letters about Musical Debt Collection agencies... in fact Lloyds seem to be ignoring anything and everything that we send to them... any ideas besides rattling the FO again???

 

Any suggestions... are they saying that they are going to tell Lloyds to take action... or are they actually Lloyds, just in a broom cupboard down the corridoor (bit like Keats in Ashes to Ashes... shame I don't have my own Gene Hunt to fill their office with bicycles!)???

 

Mum is getting worried she is going to end up in court - can someone suggest something... please?

 

Bump... anyone??? Sorry for being a nag...

[Tootles1971]

I don't know as much as many of the other people here, but it does seem that if it went to court they would have much of a case against your mum, and although "Going to Court" feels very scary, it might be in her best interest anyway.......Lloyds are not responding to your requests for more information, the DCAs are passing this around like a game of pass the parcel without proving they have any right to the debt. You have complained to all the people you can......have you had response from them? The fact that a payment plan was agreed and was effectively cancelled when it was passed to another DCA is not your mum's fault. The weight of the law is on your side, not theirs, and if they could actually chase this debt throught the courts, they would have done so before.....it's been rumbling on for ages!

 

Somebody else will be able to provide better answers, but tell your mum there is nothing to be afraid of from these hideous bullies. They have no teeth.

[MorganaNK]

Thanks for the response... Lloyds are ignoring every letter we send to them with reference to the complaints on the alleged outstanding amounts they are chasing (musical debt collection agencies, using the CCA fee against the account etc) They made us jump through hoops to get the SAR stuff (including sitting in the branch for over half an hour while they searched through the safe for it)... I haven't even started looking through it yet (not sure what I should actually be looking for if I am perfectly honest)... Westcot have even offered to come round and collect our doorstep on the other alleged Lloyds debt - I can't keep up with who is supposidly collecting what for who... we have a whole concertina file just for this junk... I feel my head may explode... guess it is back to the FO and ask them to act... :o/

[Tootles1971]

It is a big mess, and also a headache. We have had an ancient debt resurrected and it is a total nightmare, so I empathise.

 

As this is not your debt, you may be able to be a bit more objective about it (the problem we have is with an old business account of my hubby, from before we met)

 

What we have done is to sort all the paperwork out into date order so we can see the proper trail of everything that happened. It is time consuming, but I have to say I felt better once we'd done that. It means you are reading through things and getting to grips with what you need to know.

 

I know that if it was my Mum in this scenario she would not have the first idea how to deal with it, and it would be me and my siblings having to sort it all out, so I really do empathise. As I said before.......don't allow them to bully you. You are in control of this, not them, and there is nothing the DCA can do UNLESS it goes to Court.

 

You really do need to sort out the bundle of stuff from Lloyds......sort it into date order and try and seperate the two accounts. Look for when payments have been made, what agreements are on paper. Once you have it in order, you will then know if there is information there about who now owns the debt(s). If the DCAs are "acting for" LTSB, then deal directly with LTSB. If the debt has been sold, you need to see the Notice of Assignment (NOA) to prove the DCA has the right to collect the debt.

 

If they decide to take this to court, there is time to put a defence together. The guys on here are fantastic. I only know what I've learnt this week!

 

Take care, and let us help you to help your mum

 

Sarah

[MorganaNK]

Thanks Sarah... I have already taken on Barclays for her and won, now I have to take on Lloyds, as well as dealing with them for my two alleged debts as well... sometimes I could quite happily have a bonfire!

 

Will sift through the paperwork... with the cat's help!

 

[Tootles1971]

oh I am sure the cat is a great help!

You have beaten one of them. You can do it again! Power to the caggers

[nish40]

Don't know whether this helps anyone, but I originally got the "is this you at this address" letter off Wescot. I never replied, then got a demand for payment blah blah.

Cut a story short, I have had all the same exact letters as you have had Morgana, yet I've not even replied again after the first time. The original demand I just asked them to prove I owed it, and since then just a natural progression of letters up to Nelson Guest offering a 50% reduction. I dont acknowledge anything anymore.

 

What im saying I suppose is don't worry about it, and may be time to not reply at all until you get your request fulfilled.

My letters have all arrived within 8 weeks, and been used making paper Machier models for the kids.

The more you reply now on in, the more they will carry on without progress me thinks

[nish40]

 

As useful as indicators on a submarine, a chocolate fire guard, and ashtray on a motorbike, another good line to use against them, as much power as a used lightbulb! Brilliant..

 

There as dim as candles with wicks that wont burn