Jump to content


  • Tweets

  • Posts

    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known.   I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
    • Thanks.   I've managed to reduce the file size and deleted from this copy all of the pages of photos and copies of the signs. Just their witness statement and the photos of the car parked up remain.   They say "My company relies on Parking Eye v Beavis (2015) in which it was accepted as an established principle that a valid contract can be made by an offer in the form of the terms and conditions set out on the sign and accepted by the driver's actions as prescribed therein"   Is there a refutation to this case anywhere? Or do I not argue that  and just refer back to EB's earlier post and focus on the signs?   "What you are writing is roughly your side of events and referring to the evidence you can provide so that will include their signage, any evidence or lack of authority for them to offer anything, their paperwork if that doesn't create a liability, the POFA where the vital phrases have been missed by the parking co or the timescales missed.   then you pick holes in the wording and substance fo their claim, for example, contractual sum or breach of contract - they are different. are they claiming from you as driver or keeper, cant assume they are one and the same.   What about the amount claimed? it will invariably include unicorn food tax so if they are saying keeper ia liable they are limited to asking for the amount shown on the NTK and you should make this clear as it helps damage their assertion that driver and keeper liability are the same thing   As they havent responded to your CPR request for documents you can start off with that but it isnt a golden bullet, "   thanks Bundle_the_approved,_signed_statement_with_the_exhibits-_Reduced.pdf
    • Hi, I have had to hand my notice into work this week due to my Manager telling me that I had lied to him. After we had a talk about it I received lots off emails asking about various things that needed sorted as someone else who I work with made such huge problems, so I was told to deal with it, which I have no issue with. I was also promised bonus money in April due to us doing so well and as off yet I have received nothing.  I was thinking about putting in a grievance but wanted to find out more before I do. I am still employed by them + am still on the payroll. Thanks in advance  
  • Our picks

new-me2010

new-me2010 -V- Lloyds/Moorcroft/Midas

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2088 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

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 .....

Share this post


Link to post
Share on other sites

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


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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 ?

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites
.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

Share this post


Link to post
Share on other sites
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'

Share this post


Link to post
Share on other sites

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 ?

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites
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!

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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 Requestlink8.gif 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

Share this post


Link to post
Share on other sites

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 by new-me2010

Share this post


Link to post
Share on other sites

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

Hi,

 

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


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

correct

 

now STAY off that phone!!

 

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

Share this post


Link to post
Share on other sites

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 ?

Share this post


Link to post
Share on other sites

sb runs from YOUR last financial transaction

or signed letter

stating this is my debt

 

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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


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

Share this post


Link to post
Share on other sites

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

 

From:Lowell (Lowell-group@lowellgroup.co.uk) Sent:29 October 2013

To:

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

 

 

 

3964an$IN138013830648130@VM_Contact

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

 

3964an$IN138013830648131@VM_Contact

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...