Jump to content


  • Tweets

  • Posts

    • You will have to go to court to get an order  and once that is doen then you both have to abide by it. The actual form filling is not complicated and the first court session doesnt actually make any decisions and you will be advised to reach an agreement that can then be set in stone by the court.   the father has a right to "contact", but this is not the same as having the right to demand a particular set of visits, stopovers etc so decide what you want, and how this is practical and then ask that the contact be limited to this. for example if you work your contact will all be gettinmg them up, feeding them, putting them to bed and have no fun time at weekends if has has them then. The courts will do what is in the best interests ogf the child so you need to stop being jealous of their love for their father and dont try and use the system to punish him or the children. If he was abusive or controlling them read up on the serious crimes  act  2015 about controlling and coercive behaviour and see how amny fo the examples fit his behaviour and use that to get the courts to set lterms that  limit that behaviour instead of using the children as the tools.
    • Does anyone know if a person has the right  to use a lay representative in the family division of the county court? the wording of the Lay representatives(right of audience) order 1999 refers to a county court and stage 1 or tier 1 proceedings and Scots law have a form to fill out for such representation but it isnt clear whether the english system has such a clearly defined right of audience. The MoJ mentions it in some discussion papers as though it is hard and fast but in other documents  it is McKenzie Friends who are written about as if they are the only people allowed other than sols/barristers.   reason why lay rep needed is they can speak and the other side cant object where with McKenzie friend they cant speak on behalf of claimant/respondent and the other party can object to that person being present- which will happen  in this particular case. Ultimately it may well be a discretionary power of the judge but dont want to start off with a bad step.
    • It seems as though the solicitoras want to keep hold of this payday and will do anything to churn it ( make money by continuing an action that isnt in the clients interests).   The land registry will have the record of who paid for the property and how so you will be in the clear on that as you didnt just take the place over, you bought it from the estate of the deceased.   now it seems like your mother is struck by regrets/remorse over her inability to take over the property at the time and what tends to happen is that relatives will sit there and say bad things about the person who they see is the beneficiary of their misfortune and then get into a feedback loop, each reinforcing the wrong opinion of the other.   Your attempts to sort things out logically ahs tempered this somewhat so do continue and keep clear of their  lawyers at all costs, they will just keep the meter ticking over and bring the negative thought back to the surface.   your parents will already be about 2 grand a day down on anything the sols have done so try and get them to  look back to the mess that her father's death left them in and amke it clear that at least the house is still in the family and that she has benefitted from that by receiving money at the time that otherwise she wouldnt have got.   If that still causes friction then I would still write to them rather than responding to the solicitor, the lesson they will learn will cost them less and when the sols have moved on to the next client they will have not lost so much of what they still have left.   Ultimately if they do actually issue proceedings you can ask for the claim to be chucked out as having no merit etc by showing how the place was bought. I do struggle to believe that people dont know who their mortgage was with even after all of this time,  same as I find it odd that people suddenly find details for accounts with tens of thousands in that they had forgotten about. You can find out as again it will be in the Land registry entry for most properties that had a mortgage
    • A claim was issued against you on 30/07/2019 Your acknowledgment of service was submitted on 31/07/2019 at 18:14:49 Your acknowledgment of service was received on 01/08/2019 at 08:05:52 Your defence was submitted on 30/08/2019 at 23:17:46 Your defence was received on 02/09/2019 at 01:06:05 DQ sent to you on 27/09/2019 DQ filed by claimant on 27/09/2019 You filed a DQ on 23/10/2019 Your claim was transferred to BIRMINGHAM on 14/11/2019
    • no local courts can be very slow depending upon case loads.   as long as the org claimform had your correct and current address on it, it's just the above.
  • Our picks

JGJ

Dca Attempting To Collect Alleged Debt Whilst In Dispute And With The Fos Re Ppi/charges

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3566 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

Could someone please advise re the sending of the most strongly worded letter to DCA (IQOR recovery services)

The following letter was received 4th Dec. whilst the acc is still in dispute with Lloyds *ankers and is under investigation with the Financial Ombudsman Service. re PPI and charges applied thereto.

 

All advice and comments will be gratefully received.

 

"EXEMPLO DUCEMUS"

 

IQOR4thDEC090002.jpg

Edited by JGJ

Share this post


Link to post
Share on other sites

wouldn't bother

 

ignore them

 

just a threat-o-gram littered with the normal words.

 

if, but, could, might, maybe.....etc etc

 

simply designed to get a responce

they will not care nor know its in dispute

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thanks for the swift response dx.

Share this post


Link to post
Share on other sites

Firstly, Report them to the OFT and Consumer Direct (the consumer arm of the OFT) 08454 04 05 06

 

Secondly, send the trespass rule letter.

 

Thirdly, write to IQOR & Lloyds, informing them that, they are in breach of the OFT guidelines on debt collection and;

the CPUTR's.

 

Lastly, whilst the FOS are investigating your valid complaint, the matter becomes grid-locked. Lloyds tsb and their chosen agent must know this!

 

Outrageous and misleading unfair business pratice...

Share this post


Link to post
Share on other sites

angry cat,

 

Thank you for your swift response. Lloyds really are the pits, I have already started the letters and I will send them by signed for delivery on monday.

Share this post


Link to post
Share on other sites

I must admit, that is a very very amusing letter they have failed to cobble together properly.

 

I particularly like their take on the good old 'valid even if not read by you' phrase.

Replacing it with an even more childish and hilarious turn of phrase 'Our actions will continue regardless of whether you actually read this notice or not'

 

And the fact that they can't even be bothered to edit letters to suit, I'm certain that your address would give them a clue as to whether you live in England or Scotland, and whether they will be able to take legal action in a court or Sheriffs court?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Make sure that you inform your FOS case worker;

he/she will take an extremely dim view of IQOR/Llloyds actions in this matter!

 

Lloyds know full well what the protocol is in relation to an FOS grid-locked dispute;

IQOR, are attempting to mislead you.

Share this post


Link to post
Share on other sites

Thank you all for your swift replies and advice/Info. Lloyds have been a real pain in the *rse for years, ever since I defeated them with my business claims some years ago, whereupon they had to cough up some of their ILL gotten gains.

I will update when things start to move on.

 

"EXEMPLO DUCEMUS"

Share this post


Link to post
Share on other sites
Make sure that you inform your FOS case worker;

he/she will take an extremely dim view of IQOR/Llloyds actions in this matter!

 

Lloyds know full well what the protocol is in relation to an FOS grid-locked dispute;

IQOR, are attempting to mislead you.

 

Hi JGJ:)

 

Whilst I agree that you would think Angrycat's statement above to be true and indeed until very recently I believed the same myself, my own current experience with LTSB/FOS would call this into question.

 

Mr Landy and I both have (loan) accounts in dispute with LTSB over mis-sold PPI. Both complaints have been with the FOS since July 2009. In Mr Landy's situation he received a letter from his FOS case-worker asking if he was being threatened with legal action in relation to this debt, implying that if he was they would speed up the resolution process. As he was being threatened by Apex who were getting increasingly nasty, we informed the FOS - who promptly ignored this and continued to drag their feet.

 

In my own case, Apex have again started threatening legal action, so once again I duly sent copies of their threatograms to the FOS. This week the FOS suggested I should contact Apex to come to an arrangement to pay them:eek:

 

Not only that but after my last response to Apex, LTSB have written to me informing me that Apex have agreed to not pursue me for this debt till 12th January, which they say is 3 months since they passed my file to the FOS - implying that the FOS have had plenty of time to resolve my complaint! They even add that as they have not been instructed by the FOS to halt collection activities they are not prepared to do so:eek:

 

Apologies for this mini hijack of your thread, but thought you should be aware that it's not as simple as telling the FOS and that the DCA collection activities/threats will stop!

 

All the best,

 

Landy x

Edited by landy_alert
Added something!

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Share this post


Link to post
Share on other sites

Landy alert,

 

Thank you for the heads up re the Lloyds/FOS "connection"

I have seen off a couple of Lloyds threatogramme DCAs as they Lloyds, are relentless ruthless and completely and utterly, deliberately dysfunctionally out of control, even before the decision handed down from the Supreme Court re the OFT test case. (Therein lies many a tale of intrigue)

 

However we have to take them on with the ammunition that is available to us and I think that the "CAG" and "caggers" :D are one of the best tools available to us. Unfortunately if we do not go through the correct protocols to take on these *ankers we get hammered by all and sundry on our way to dare I say fair justice in the County Courts whereas they apparently just need a last minute fax and that apparently seems to dispose of the necessity for their input pre Court protocols.

 

The DCAs are the obvious battering ram for the *ankers, lets just wait and see if they dare to take anyone to Court in the near future, the outcome will be very very interesting. I eagerly await the decision/input of the FOS.

 

On my last visit to Court on the 25th yes the 25th Nov, (Bad timing or what) on one of my submissions to the Dep. DJ, he proudly announced that the Law is "equal to both parties," if only I had the equal share that the *anks seem to command.

 

 

"EXEMPLO DUCEMUS"

Edited by JGJ

Share this post


Link to post
Share on other sites

Hi JGJ:)

 

You're welcome! I will follow your progress on this with interest as it just makes you wonder whether different FOS employees give out different info. They are so obviously bogged down with complaints, I wonder also whether they are all sufficiently trained for the job they are supposed to be doing!

 

I fully agree with you about the after-effects of the test case - talk about (supposed) success going to LTSB's heads. Still, all is not lost on that front;)

 

Regards,

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Share this post


Link to post
Share on other sites

Received the following letter a couple of days ago from DCAs as they appear to be getting more and more desperate and frustrated with their pitiful attempts at collecting this Alleged debt which is disputed with Lloyds.

 

Appropriate letters were sent to them over a week ago by signed for del.the Royal Mail receipt was not signed for del, until wed 16th.

Share this post


Link to post
Share on other sites
IQOR9thDEC20090001.jpg

Share this post


Link to post
Share on other sites

the clue there is they are offeringa discount

if there wasn't something wrong with the agreement or debt, then they would not make an offer.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Bunch of Chancers!

 

Please please please, send them the money they are asking for..................using Monopoly Money!:lol::lol:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Bazooka Boo,

 

IF only I had seen your post earlier, alas I have already paid them and received a good discount on the alleged debt that I do not owe and with what card did I pay them with do you ask, *ucking "XMAS" card would be my reply. :D:D;).

 

 

 

"EXEMPLO DUCEMUS"

Share this post


Link to post
Share on other sites

"Our actions will continue regardless of whether you read this notice or not"

 

 

priceless!!!

Share this post


Link to post
Share on other sites

Hi JGJ:)

 

Further to my above posts, I spoke to my adjudicator at the FOS the day before yesterday and he said that consumers should not consider the account to be in dispute just because there is an outstanding PPI issue on that account:eek:

 

He said that the FOS was there to protect consumers and advise them not to get into further trouble by not paying their debts and thus being taken to court.........and that many consumers tell the FOS that they are not paying because of PPI issues, when they should actually carry on paying:eek:

 

Trying to reason with him over this was useless as he just trotted out the same old mantra that mis-sold PPI doesn't equal account in dispute and that to believe this was a mistake.........

 

Regards,

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Share this post


Link to post
Share on other sites

poss agree with this is certain conditions, however, i still don't think they should be allowed to post markers/defaults on the A/C with cra's.

 

my thoughts are: if the PPI refund has the potential to clear the debt, then no it should not be allowed.

but, if the PPI refund might only clear 'part' of the debt, then i think it unadvisable to stop 'any' payments you are currently making.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
IQORLOANACC12thJAN0001.jpg Edited by JGJ
"APOLOGIES" POST REMOVED

Share this post


Link to post
Share on other sites

This is the latest letter from Lloyds re my PPI claim and subsequent investigation by the FOS (still ongoing, in the massive queue of claimants)

 

All further advice/information will be as always gratefully received.

 

Bearing in mind !QOR have offered a "substantial reduction on your outstanding balance" their words, This response came after I sent them the "Account in Dispute Letter"

 

"EXEMPLO DUCEMUS"

 

 

LLOYDSIQORLOAN13JA0001.jpg

Share this post


Link to post
Share on other sites

is it bank charges?

i thought this was ppi?

 

now, my other q's on post 18, ......

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

dx,

Thanks for your swift reply.

 

1) No PPI

 

2) It is

 

3) Please explain your question re post 18 ?

Share this post


Link to post
Share on other sites

so their letter is rubbish as they dont know what they are talking about, your are reclaiming PPI NOT charges.

 

if the PPI refund has the potential to clear the debt, then no it should not be allowed.

will the PPI refund clear 'part' of the debt, or all of it?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

dx,

 

If I manage to get a refund of the PPI, via the FOS route, I do not have the exact figures to hand. so what are the implications if.

 

1) PPI reclaim (if successful) does cover the whole of the outstanding balance.

 

2) PPI reclaim does not cover the whole of the outstanding balance.

 

I have previously requested the underwriting sheet etc, when making the initial PPI claim, ("still awaiting Lloyds response") and that is why/how I made complaint to FOS.

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...