new-me2010 -V- Lloyds/Moorcroft/Midas

[new-me2010]

I knew getting my paperwork sorted by reading that post by Sarnie was pushing me in the right direction and I still feel empowered.

 

This morning have had a lovely letter from Midas entitled LITIGATION WARNING, and i DIDN'T burst into tears !

 

I haven't got a scanner so will have to type it in.

 

Dear new-me

 

re LLoyds TSB Bnk PLC Balance £3000+

 

Litigation Warning

 

We are part of the Moorcroft Group and are aware that you have failed to reach a repayment agreement with Moorcroft Debt Recovery Ltd concerning the above account. We are now reviewing the account prior to any possible legal action by external solicitors acting on behalf of our clients.

 

To prevent possible further action you must contact Moorcroft Debt Recovery Lts at the following address

 

Moorcroft Debt Recovery Ltd

po box 17

Moorcroft House,

2 Spring Gardens

Stockport

SK1 4AJ

 

Tel No 0161 475 2830

Fax No 0161 477 3864

 

Failure to contact MDR by 08/01/10 may result in the issue of legal proceedings without further notice.

 

Quote Ref No

Yours sincerely

 

Mr. M Dobson

Litigation Manager

 

 

Well back in June/July I sent of my £10 to get all statements and have never had them, had silly letters saying that i should speak to customer services, I'd made a hardship claim but they weren't interested. I'm still living on pennies ................

 

So dear Caggers can you guide me through this maze in baby steps cos am totally lost now. I need guidance from an angel .....

[PGH7447]

if you sent a sar and they have not responded with all you asked for simply write to the dca in this case moorcrap and tell em until the oc fulfills the sar then this account is in dispute.

 

head all letter with I DO NOT REGOGNISE ANY DEBT TO YOUR COMPANY

 

by recorded deliverey

[new-me2010]

Have brain fog today with my tablets so could someone tell me who I have to complain to about them not complying with the SAR cos reading the replies and things is making my headache worse

 

Thanks in advance x

[new-me2010]

Sorry for asking but still not well so am having to do things slowly.

 

 

Do I send a CCA with the Moorcroft Letter making 2 letters in all ?

[alfwithhair]

The CCA request goees to who even is demandind payment now, ie Moorcroft. cost a £1

The SAR goes to the original creditor Lloyds cost £10

 

However a CCA request would serve no useful purpose if this debt is for an overdraft. If it is a debt incured from a loan or a credit card then yes sent the CCA request

[new-me2010]

Thank you x

[new-me2010]

.Sorry another question

 

Do I have to do a CCa per account ?

[alfwithhair]

.Sorry another question

 

Do I have to do a CCa per account ?

 

I am almost certain the you have to do a seperate CCA request for each loan, C/card acc.

 

But the SAR if think is for all infomation that bank hold about you, so covers all the acc's/

 

Not 100% certain on that one.

 

remember not to sign the CCA requests, just print your name, never send a DCA your real signiture.

 

You will have to sign the SAR as the bank will more then likely refuse to release the infomation without it

[mkb]

I am almost certain the you have to do a seperate CCA request for each loan, C/card acc.

 

But the SAR if think is for all infomation that bank hold about you, so covers all the acc's/ Remember to list all of the account numbers & sort codes if more than 1 account.

 

Not 100% certain on that one.

 

remember not to sign the CCA requests, just print your name, never send a DCA your real signiture.

 

You will have to sign the SAR as the bank will more then likely refuse to release the infomation without it

 

You can use the signguard from this site which costs £4.00 to protect your signature from being 'lifted'

[new-me2010]

Have received the 14 day countdown from Credit Security Ltd re lloyds overdraft and going to Aylesbury Conty Court.

 

I sent a SAR reqest with my 10squid to Lloyds last July, took letter into branch and had it signed for but never received anything from Lloyds except a letter stating that they were sorry that I was unhappy. BTW was claiming under Hardship which they said I couldn't be as had not used Bank Account.

 

Which letter do I need to send please ?

[cashins]

Have received the 14 day countdown from Credit Security Ltd re lloyds overdraft and going to Aylesbury Conty Court.

 

Have they issued or just threatening

 

David

[themagician]

Have they issued or just threatening

 

David

have they actually served you with court papers yet?

when the 40 days exspired for the cca did you send that the acc was now in despute,as this is not always automatically assumed!

[new-me2010]

Its a threatogram saying that if I do not make a contact and get pay or put a plan in place by 15th of month at noon they will issue proceedings.

 

I haven't CCA'd them because I didn't know you could with an overdraft bt I will do now.

 

I did send for SAR last july but have never received it.

[cashins]

I haven't CCA'd them because I didn't know you could with an overdraft bt I will do now.

 

CCA request does not in fact cover overdrafts.

I did send for Subject Access Request last july but have never received it.

 

I is in dispute however as Lloyds have not responded to you SAR. Send the account in dispute on that basis.

 

The - unless you pay within 14 days or by such and such date is a standard scare tactic by these people

 

David

[new-me2010]

Just got in from getting petrol and find Postie had put a wonderful little billet doux for me.

 

Morecrap Home Collections Division tell me that a Quadimodo look-alike is descending on me in the next few days to assist me.

 

Which letter please?

Edited February 18, 2010 by new-me2010

[cerberusalert]

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-

[new-me2010]

Thank you Cerberus all done and dusted and going to post/

[new-me2010]

I think I might have done something stupid as per usual.

 

Answered a call back to Merlins ? it began with M

 

Told them I sent £10 to them back in 2009 and still outstanding.

 

Can you help me progreaa

[maroondevo52]

Hi,

 

As far as I know a telephone call does not count as acknowledgement, regarding a Statute Barred debt.

[dx100uk]

correct

 

now STAY off that phone!!

 

dx

[new-me2010]

Thanks DX.

 

Caught me at a bad moment.

 

Am I thinking right that if I have done nothing since Feb 2007 except send in for a SAR that has never been answered ir will soon be SB ?

[dx100uk]

sb runs from YOUR last financial transaction

or signed letter

stating this is my debt

 

dx

[new-me2010]

In 2009 I sent in a SAR to Lloyds and to Nat West Data Controllers asking for paperwork. I've never received anything so how do I go forward,

 

Thanks

[dx100uk]

marstons...

 

can you scan up the letter please..

 

can the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[new-me2010]

This came today, as well as texts and mobile calls which I don't answer

 

From:Lowell ([email protected]) Sent:29 October 2013

To:

This message is here because your junk email filter is set to exclusive. Wait, it's safe!

 

 

 

Lowell Reference Number:

Original Account Number:

Original Company: Lloyds

Account Balance:

 

Dear

Three easy steps to clearing your debt

Your unpaid debt could be affecting your credit rating, making it more difficult for you to obtain credit. The debt isn't going to go away and legal action could be taken against you if you do not make arrangements to re-pay the debt.

Get peace of mind, knowing you're taking care of your obligations, by following these three easy steps:

One. Decide how much you can afford to pay each month. If you can pay the balance in full your credit file will be updated to show the debt has been settled and no longer exists.

Two. Either call us on 0113 308 6085 to discuss your payment options - we won't ask you to pay more than you can afford, so don't worry - or, if you'd prefer go to

www.Lowell.co.uk and either pay off the balance with your debit card or set up an affordable monthly Direct Debit. (You can set up a Direct Debit securely by following this link)

Three. Just ensure that there is enough money in your bank account each month to pay the Direct Debit when your payment is due. Simple.

We won't add any interest to your account whilst you are repaying it.

Take the worry out of your debts, just call us on 0113 308 6085 we'll always find a solution for you.

Yours sincerely,

James Crabtree

Customer Services Manager

 

 

PIGS IN AIR WITH WINGS AND LANDING LIGHTS AS ITS DARK