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LLOYDS CCA Reply- comments please


HOWLER
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Can they do that? Just assume you will comply with National Statistics surveys and turn up? I would be tempted to tell them to f*** off especially if there was something decent on the tv for a change or I was busy. Surely they have no right.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi Howler!

 

All's been quiet on my Western Front this week! I am still at the stage when they are not sure t really is me - getting prepared thanks to CAG.

 

Only interruptions have been the wretched Office of National Statistics who have "chosen me to help them with a study"!!! Being a tad paranoid I immediately thought it was a new ruse a wiley DCA had cooked up to talk to me!!! (what with threats of fines etc if we do not fill in that very intrusive census epic) AAAAhhhh! On Googling the address the guy was bone fide but I still really resent all the nosy officials who want to know so much about us! Did NOT answer the door and he has not been back!

 

Spoke too soon - I think he has just rattled my letter box unless it was a DCA bod! How rude at this hour! No card left - just a car leaving!!!

 

 

Could it have been someone after your census form? I understand that lots of people have been employed to knock doors to collect or help with completion.

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  • 4 weeks later...

Snap! I've had one of those! (But I'm now slightly further down the line than you.) I don't feel special anymore - I thought those letters from CSL to me were original and personal:!: I'm gutted!

 

I love letter ping-pong with CSL ........ it's the only addiction I have now!

 

Impecunious! :-)

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Snap! I've had one of those! (But I'm now slightly further down the line than you.) I don't feel special anymore - I thought those letters from CSL to me were original and personal:!: I'm gutted!

 

I love letter ping-pong with CSL ........ it's the only addiction I have now!

 

Impecunious! :-)

 

 

Just last week I received the final letter in my full set of CSL junk......

 

I havent scanned it but suffice to say it reads:

 

We have noted your comments and in the circumstances confirm that we will take no further action and have forwarded a copy of your letter for our clients attention....

 

Huzzah!

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a big hello to impecunious and disgruntled

nice to know im not alone

have sent em the usual in dispute letter, i will as usual post any reply

thanks for your comments guys

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sent the indispute letter yesterday and then this arrives this morning.

All they have done is knocked off the interst charges from when i stopped paying them,how can i refuse ?lol.

Never had a pink one before, how nice ?

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sent the indispute letter yesterday and then this arrives this morning.

All they have done is knocked off the interst charges from when i stopped paying them,how can i refuse ?lol.

Never had a pink one before, how nice ?

 

I'm green with envy!!!

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  • 2 months later...
  • 2 months later...

Hi Howler

 

Just been reading through your thread. I've not been on here for a while but thought i'd make a comeback

 

All the letters you have been receiving are threats and threats only. The simple fact is that without an original signed (by you and lloyds) executed agreement then they haven't got a leg to stand on. A court cannot enforce payment unless this document was shown to them.

 

As you have stated, you have done an SAR request to lloyds and they have a duty under that request to send you all original copies of any agreements they have with you. They have failed to send you your section 78 request and as such you are legally entitled to put your account in dispute. Section 127(3) states that without an original signed agreement a court cannot enforce the order.

Andy...

 

 

 

 

 

 

 

 

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  • 1 month later...
a big hello to impecunious and disgruntled

nice to know im not alone

have sent em the usual in dispute letter, i will as usual post any reply

thanks for your comments guys

 

 

Sadly, Credit Security Limited have now abandoned me! My initial thoughts were sadness, followed by a short period of reactive depression especially after they'd gone to the effort of offering to reduce my indebtedness to LloydsTSB by another £1,200+ if I paid them within 14 days. (LloydsTSB had already reduced my overdraft debt by £1,200+ a few months earlier.)

 

Their offer was oh so tempting! In fact, I was hugely tempted - so being impetuous, I told them YES! YES! YES!!! I'll take up your wonderfully generous offer BUT only on one provisio! LloydsTSB owe me shedloads for mis-sold PPI*, so you ask them to pay it for me! Unbelievably, I never heard from Credit Security Limited again - I'm still sitting here waiting patiently. Needless to say, I'm now totally heartbroken.

 

I wasn't lonely for long though! Just when I was beginning to despair, along came Westcot ..........but I can't see this being a long and happy relationship. No NOA but desperate demands for full settlement otherwise ....................................... well you all know what I mean, we've all been there before ...

 

This is at least the 5th DCA LloydsTSB have thrown at me .............. but oh what fun!!

 

 

* Offer for mis-sold PPI made but declined. Awaiting SAR to recalculate figures.

 

Lloyds really don't make it easy for themselves (or me) do they?

 

 

Impecunious! :wink:

 

 

P.S. Just in case you're wondering, I really do take all of this very seriously but, since I joined CAG in July 2009, I've learnt so much and can now see straight through DCAs and their scurrilous behaviour. I treat them with the contempt they deserve and make sure that all my debts are repaid in a realistic and sustainable manner. All on my terms!

Edited by impecunious
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  • 1 year later...

Hi Folks

Me again, not been here in a while . let me fill you in ,,,,

thanks to all your help my debtors have all backed off , i havnt heared from anyone for quite a while now, but then again i have been a little busy. Moved house leaving me no mortgage everything now in my wifes name , tho i know that dont mean jack. Wife got cancer and over last 12 months beat it, shes hard !!!!

Debtors havnt caught up with me yet , and no i am not informing them of change of addy , ,, let em find me . haha.

 

I do hope you and yours are all ok and well ... one thing i have learned over the last 12 months debt dont mean nothing .... keep well all and take good care of u and yours. Godbless.

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Hey howler

 

Pleased to hear they are leaving you alone, and best wishes for the missus. If she can beat cancer, she can beat anything :)

 

They are currently leaving me alone too, so lets hope they realise they are beat!

 

Caps

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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  • 3 months later...

hi all

Quick update, just had a text message from BCW Group , would I contact them urgently ? haha I think not.

 

Can you believe em , text message on a bank holiday Monday.

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