My lloyds tsb credit card debt

[MorganaNK]

Don't laugh, but they wrote again yesterday to say they are accepting the offer and when to start paying!

 

*insert deity of choice* save me from these idiots!

 

Robbers Way are going to kneecap me if I don't pay them everything I owe within ten days... off to hide under a table!

 

I guess I need to Consumer Direct them as well... do I need to send Robbers a letter... telling them to foxtrot oscar?!?

 

Bump

 

Please can someone confirm if I need to tell Robinson Way to foxtrot oscar or just ignore them?!?

 

Thanks

[F_DCAs]

If you've sent a CCA request to a previous company which hasn't been honoured, then you needn't send it again. I just ignored Robinson Way and they went away. I found them unworthy of a response or my even telling them that a CCA request had already gone to AIC.

 

But you should also report all involved to the OFT (the DCA you sent the request to, the client, and Royds).

[MorganaNK]

Thanks Hon... I shall follow your advice

 

We appear to have three different DCAs chasing Lloyds TSB accounts. One is being settled via Wescot, one is in dispute due to no CCA... and one we have absolutely no idea about!

 

Mum is convinced that she only ever had a loan and a cc - what letter should I send to the other one?

 

Help!

 

Thanks

[Hardupnotfedup]

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

 

Try this

[MARTIN3030]

Who are the other Dcas aside from Wescot ?

[MorganaNK]

NCO and Robbers Way... and occaisonally CreditFirst (or something like that - not the Reigate ones)...

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

 

Try this

 

Thanks... I will send that - so far we have been ignoring them...

[MorganaNK]

We were asked to make payments on the 12th of each month, which isn't possible as the money doesn't go in until the 19th. The first payment has been made (last month, second not even due yet!) and now we have received the following from Debt Managers Ltd:

 

NOTICE OF LEGAL ACTION

 

Your failure to respond to previous letters has resulted in your account being passed to this department for court action and our solicitors may prepare the court papers within seven days. If you wish to avoid legal action you must pay now in full today...

 

This letter is dated the 31st, and we got it yesterday (because our mail is being redirected)... anyone got any suggestions what I can write to the idiots?

 

Thanks

[citizenB]

Dear Sir or Madam,

 

Account Ref:

 

Your letter dated 31st May 2010 and mailed 2nd class, was received by me today. (Remove the reference to 2nd class post if it was mailed 1st)

 

I have to admit to being rather confused by the content and your threat of legal action.

 

An arrangement to pay was agreed with your client. The first payment was made on DATE and the next payment is not due yet. However, it will be made on DATE.

 

I can only believe that your letter is intended to intimidate. This of course is a breach of OFT Guidelines.

 

Yours etc

[MorganaNK]

Citizen B - thanks - YOU ROCK!

 

MNK x

[citizenB]

[MorganaNK]

I now have Horwich Farrelly Solicitors telling me that they have advised their client to take court action against me as a result of my failure to settle this account...

 

Ignore or tell them to bring it on as I have it in writing that no one can produce the original agreement?

[F_DCAs]

Report Horwich Farrelly and their client (again) to the OFT.

[MorganaNK]

Thanks Hon, but do I need to write to them in crayon telling them they are clueless *insert expletive of choice here*?

[F_DCAs]

I wouldn't even given HF or Royds the courtesy of a reply. They're simply not worth it.

 

I notice another 4% off Royds share price today - clearly, they should leave banking to those who know how to do it.

[MorganaNK]

Consumer Direct say that I have to speak to National Debtline on this one!

 

Had two letters from Debt Managers today:

 

1) a letter with multiple choice boxes - the "other" box is ticked and says: This account was passed to us to collect on the 21/5/10, we will accept the offer you made to Wescot if you advise what it was, and they payment should be made to us from now on (spelling mistake all theirs!)

 

2) a letter (dated the same as the above) titled "settlement opportunity"

 

we have negotiated a range of special settlement terms with a number of our clients, and your overdue account may qualify for a discount.

 

To take advantage of a possible - without prejudice - reduction, call us immediately.

 

We will discuss any potential discount which may be available to you and confirm the date you expect to make the payment.

 

A dishonoured payment will make any offer void and the full balance becomes due immediately.

 

Credit and debit card payments will secure the offer on the day of your call.

 

Settlement of this overdue account may help to improve your financial status

 

Now, as far as letter one goes - if they took on the account then surely they should have all the information. Is it really down to me to do their job for them?

 

Letter two - are they having a giraffe?!? Call them? Give them debit/credit card details? As if!!!

 

Comments, suggestions... crayons to write back with!

[willy2006]

Can someone tell me what significance the Defaults and termination notices are is there a set pattern that they should apply.

[F_DCAs]

Personally, I'd wait to see what the Subject Access Request brings up before entering into the question of paying anyone.

 

Knowing Royds TSB, it'll be quite some time before they comply, and you may need to go through the ICO to force them to do so (if the threats and toilet paper continue).

 

That's what I did, it took months before the SAR came through, and fell way short of what I expected.

 

And, oh dear, **** asked me for the full balance before default notices were issued - oops!

 

Then, the accounts were terminated shortly after - double oops!

 

Then, a credit card agreement supposedly signed by me (never had ANY CC, let alone one from Royds) came through. According to Royds, I have four different account numbers - two of which I've never used.

 

Now, they get nothing. No wonder they needed a government bailout, and since banking is too much like hard work for them, they should leave banking to those who know how to do it (hard to find in the UK these days). Idiots!

[MorganaNK]

No subject access request was done on this one - as the CCA was enforceable we made an agreement to pay Wescot... mum just wanted them off her back as she has others hounding her...

[citizenB]

I agree with you, Debt Managers should have the information if they have taken over the account.

 

Have you been informed by Wescot that they have passed this over to another company.

 

Perhaps a short letter to DM saying you have received no notice that the account has been passed on to another company. If they can provide you with their authority to collect as you have no knowledge of their company.

 

Who are you making the reduced payments to LTSB or Wescot ?

 

 

Can someone tell me what significance the Defaults and termination notices are is there a set pattern that they should apply.

 

Willy, do you mean defaults (ie those that are recorded at the Credit Reference Agencies) or a Default Notice.. which is a legal required notice that should be sent by the original creditor/owner of the debt before they can take steps to take further action.. ie close the account, take court action.

 

A Default notice needs to be issued under s87(1), It must state the breach that needs to be remedied and the date by which it needs to be remedied (ie paid) and the date for remedy must be 14 clear days having allowed sufficient time for postage. Ie 2 business days for 1st class post and 4 business days for 2nd class/UK Mail or TNT post. They can only ask for the arrears that are due at that time and again must be accurate.

 

Termination should not take place until AFTER the remedy date and should give you a further 7 days to pay, but in this instance it will be likely they will be asking for the FULL balance.

 

HTH

[MorganaNK]

Hi Citizen B, thanks for the reply.

 

We have had no notification from Wescot. The last communication we received from them was a letter asking why the payment hadn't been made on the date stated. We just made the payment when we could and ignored them. The next we start hearing from Debt Managers!

 

I'm off to buy crayons again!!!

 

[babybear39]

Don't forget the A3 paper

[willy2006]

Thanks for that citizen B,just wondered as we have loads of letters saying this is default notice even from Mercers but none to say accounts have been terminated.Just thought i could use this extra info against them if they hadnt done things correct

[MorganaNK]

Suppose I should pull my finger out and write to these cretins... but I have been having so much fun watching Ashes To Ashes on DVD... Gene Hunt *sigh*... sorry, where was I??? Oh right, so, we have had no notification from Wescot and now Debt Managers are going to call (still waiting)... not inclined to pay anyone any more money as Wescot seem to have washed their hands of it but not told us and Debt Morons couldn't find their butts in a well lit room with sat nav, a map, and a large neon sign saying "Your @ss is here!"... any suggestions, don't want to waste the crayons!

 

"We are sorry you have had cause to complain. One of our team are investigating and..."

 

Makes no difference to me... unless the pre-school division are creating a CCA for me before nap time!

 

Now we are in the Moorcroft Debt Recovery "even if it is not actually read by you" Pre-Court Division... do I just send them the "scratch my anatomy, what are you smoking, this is in dispute" letter???

[Pinky69]

Yes.

[ashmk]

Send the 'Pre-care' letter.

 

While you are in default of a CCA request or have supplied unenforcable paperwork you are in the 'Pre-Care' division.

 

Supply me with the correct enforcable paperwork and you may be upgraded to the 'I now care what you have to say division' but untill such time, I dont care what you have to say.