Been Blindly Paying Matrix then Harrington Brooks DMC for years - help

[tracy0512]

I have two loans, one with Lloyds TSB being collected by BLS and another with IF (cannot remember the name of the company collecting this one), I have had the lloyds loan now for about 10 years and the IF loan for 5 years - I got into difficulty and the loans were bought, but I feel that they may have been mis-sold.

 

Can someone point me in the right direction of obtaining the original credit agreements with both of these companies to see if I can get the loans written off.

 

I can remember lloyds changing my payments, but I never signed a document to agree this, so I think I can do something here and they keep asking for a full and final settlement as do the debt collection agency that are collecting for IF.

 

Please can you help, there are so many threads about different help that is being offered, but unsure where to look or start.

 

Tracy0512:confused:

[dx100uk]

firstly don't read to much into this rubbish that these firms sprout about getting loans writen off.

 

even if the CCA was unenforceable, the debt still exists, just that a court of law cannot be used to enforce payment.

 

now, to whomever you are paying, you need to fire off a cca request, let see who HAS the legal right to demand payment.

 

looks a bit iffy to me all you've been paying

 

you can also reclaim ALL charges/fees & p'haps mis-sold PPI?

 

dx

[tracy0512]

Thank you so much for your response.

its not that I don't want to pay, I do, but never seem to get the payment down,

 

a loan with IF

- started off at £7500 five and half years ago,

and for the first year I paid £115 per month,

then paid £80 per month for two years,

 

but I still owe over £8000,

its only been the last 12 months that I have had problems paying at all.

 

Can you point me in the right direction of the letter that I need to send to ask for the original credit agreement(s),

I shall do this to IF and LLoyds TSB

- although they have passed the debts to debt collection agencies,

so I will send to them rather that the banks as all they will say is that this has been passed on.

 

To my annoyance I had been paying Matix £100 per month

from last October,

and before that the same amount to another agency whom did pay by debts for me,

but Matrix have taken my money and not paid a thing and now I can't get in touch with them,

so money down the toilet,

and I am not sure how I can get this money back.

 

Sorry lots of questins, but don't have much time to sort out as I have just found out that I have an illness and I really want to sort all of this out so my children don't have to pick up the mess.

 

Any help you can give me would be wonderful

[dx100uk]

ok lets rank the pressure up.

 

see who pokes their nose out the water.

 

stop paying totally.

 

we can deal with them easily once we know our foe.

 

now, you need to knowwhere your money has been going, if its not been getting the balance down.

 

fire off an SAR to whom you signed the agreement with.

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

........................

now

using notepad

write out a list of times/dates ammounts etc

to whom you have paid over the history of this loan.

 

i'e give us a basic medical from start to now.

 

then when you have that

 

copy and paste the text to a msg box.

 

sadly you are p'haps guessing right that a lot of this money has lined fleecers pockets....sorry.

 

if you have any letters like default notices etc

or notice of assignments

 

list them and we'll as for them as and when.

 

dx

[tracy0512]

thanks for your help with this, much appreciated.

 

As I said all my debts are with Debt Collectors,

I have no received any CCJ's or default notices from the debt collectors,

although CSL which seem to have my credit card debt keep phoning and leaving messages

- so …

 

. final question

- do I write to the collection agencies asking them for proof of Credit Agreement or do I write to Intellegent Finance (if I can find paperwork),

Lloyds TSB and also my actual credit card provider.

 

Everything that I have read has told me to send a letter to the DCA asking for the original credit agreement

- giving them so many days etc etc.

 

Your letter appears to be in a lot more depth,

also I have moved again recently,

so letters not catching up with me at the moment.

 

As for Matrix - the debt management company,

I suspect I have lost this money and there is nothing I can do and they just got me into even more trouble.

 

Sorry again so many questions.

[dx100uk]

if the dCA's have brought the loans and are give you a discounted F&F offer, odds on they have NO cca and they know it.

 

listen, you are being fleeced blind.

 

pers i'd not pay a penny anymore to anyone that cannot PROVE they hold the legal doc necessary.

 

CCA anyone you are currently paying.

 

dx

[tracy0512]

thanks for you help with this, I will send a letter off immediately, but is the sample letter you supplied the right one for writing to the debt collection agencies. I believe I have one shot at this and I really want to get it right - appreciate all of your help and advice

Edited May 7, 2010 by tracy0512
re-worded

[tracy0512]

help, does anyone have the correct addresses for BLS collections as I only have a PO box and the same for Blair Oliver Scott - I don't want to send something off to a PO box and not have my documents signed for as I will have no proof that they have received my requests

[dx100uk]

matters not

they've have you CCA request

if they dont get itthat their problem.

 

dx

[tracy0512]

Thanks again .....

the saga continues,

 

my lloyds tsb loan was originally with BLS

- now a company called APEX are now contacting me telling me that Lloyds TSB have asked them to contact me to ask for payment of the outstanding amount £2931.70 …

... what should I do .

... CCA them

- I have received no letters from lloyds at all over the years telling me that my loan with them has been passed on.

[dx100uk]

you're on a phishing list

 

ignore them.

 

dx

[tracy0512]

thanks again dx

- its hard to know what to do,

 

I have now just the letter asking for a copy of my agreement from APEX,

as they are the ones that have contacted me going to get postal order at lunch time and send recorded delivery,

then I shall wait 14 days for a response.

 

I am still trying to find an address for Blair Oliver Scott ....

. I haven't heard from these for some time and still no official letter from Capital one who I owe money to for my credit card.

 

Couple of questions (I know I am a pain, but this scares the life out of me), and I want to make sure I follow what everyone else has done.

 

1. If I do not hear from Apex re lloyds tsb .... do I need to do a follow up letter.

 

2. Should I wait for Blair Oliver Scott to get in touch with me before I send them a CCA request and also the same for Capital One.

 

3. have you done this and have you been sucessful?

 

Tracy

[dx100uk]

i wouldn't bother sending anything to anyone you are not paying.

 

you need to send the CCA request off to those you ARE giving away money too.

 

dx

[tracy0512]

dx

 

I was paying all of them up until October of last year

- as I said I was with a debt management company called Matrix,

who took my money from October 2009 until end April 2010,

 

I believe that Matrix no longer exist but are still [problem]ing people out of their money.

they were supposed to manage my debts for me.

 

So creditors have not been paid, I believe for 6 months,

I was with harrington Brookes before that and they did actually pay my debts but took more off me for themselves than they paid my creditors.

 

I have only heard from the one debt collection agency and have stopped my direct debit to Matrix this month.

I do have a letter from Matrix dated dec 2010 to say that they were contacting my creditors for the original copies of the CCA

- but I cannot get in touch with Matrix at all, have had no letters etc off them, only that they take my money each month

- lost £700 and have no way of getting in touch with them or finding out whether they obtained my credit agreements, hence coming on this site to find someone to help me out.

 

Its all so dammed confusing, and I really do not want to pay any more money out, and I don't want people knocking my door.

I really do appreciate all of your help

Tracy

[dx100uk]

ok well dont worry about door knockers

DCA's have NO LEGAL POWERS

tell them to go away or you'll contact the police.

 

now, [and appol for not remembering your ful thread]

 

i'd [for the minute] not worry about the various dca letters you get for now.

i'd put them in a pile or atleast make a folder for each debt and match them to a debt for now.

 

we'll CCA them all later.

 

i'd SAR matrix.

 

lets find out where this money has gone.

 

dx

[tracy0512]

dx - sorry - tracy again.

 

I have tried several times to contact Matrix and have written to them but have heard no response.

I have cancelled the direct debit to them in the hope that they will contact me,

I have left several heated messages with an answering service that they seem to have.

 

The last letter received was dated 20 Jan 2010 when they said not to have contact with my creditors as my loans had been passed to their legal team and that their solicitors will write to the banks/lenders requesting copies of the original credit agreements etc etc.

 

I tried the number again but it just rings out 01932 577 500 and then gives the engaged tone.

When you do get through they just say that they are the answering service, something quite dodgy I think going on here.

I therefore think that sending them a request for all informationthey hold on me is a complete waste of time.

Your views please,

 

I think it might be better dealing with my creditors myself requesting a copy of the original CCA ....

you views would be appreciated.

 

sorry my messages are so long,

I just need to cover the facts and don't want to miss anything out

[dx100uk]

just sit tight then.

 

it wont harm .

 

let see who keeps poking their nose out.

 

just to get ducks inline

 

how many debts are we talking about [real ones that you know of and were paying before matrix .. list them.

 

dx

[tracy0512]

Lloyds TSB - just under £3,000 - was with BLS now with APEX (Apex sent a letter a few days ago, telling me Lloyds had been in touch with them and asked them to collect the debt in full) - this was being paid by Harrington Brookes up until Oct 2009 then I moved to matrix

 

IF - loan - around £8,000 - this is with Blair Oliver Scott, but I have moved around over the past year - not had any actual contact with them - but again as above. Had this loan for 5 years - I only borrowed £7500.

 

Capital One - credit card - around £2000 - again as above - I think the company that keeps calling my mobile CSL and leaving text messages (3 or 4 times a day) is the company that have taken this on.

 

Should I make contact with APEX requesting a CCA - this is for the Lloyds TSB loan - been ongoing now for around 15 years.

 

I have never received any letters from the above banks telling me that they have passed my debts on to DCA's - but I have received letters over the years from DCA's telling me they are acting on behalf of Lloyds, IF, but nothing for Capital One.

 

I hope this information helps you to help me make an informed decision - this all scares me

[dx100uk]

Lloyds TSB - just under £3,000 - was with BLS now with APEX (Apex sent a letter a few days ago, telling me Lloyds had been in touch with them and asked them to collect the debt in full) - this was being paid by Harrington Brookes up until Oct 2009 then I moved to matrix

 

- yep CCA APEX

 

IF - loan - around £8,000 - this is with Blair Oliver Scott, but I have moved around over the past year - not had any actual contact with them - but again as above. Had this loan for 5 years - I only borrowed £7500.

 

- wait

 

Capital One - credit card - around £2000 - again as above - I think the company that keeps calling my mobile CSL and leaving text messages (3 or 4 times a day) is the company that have taken this on.

 

- wait

 

Should I make contact with APEX requesting a CCA - this is for the Lloyds TSB loan - been ongoing now for around 15 years.

 

- yes

 

I have never received any letters from the above banks telling me that they have passed my debts on to DCA's - but I have received letters over the years from DCA's telling me they are acting on behalf of Lloyds, IF, but nothing for Capital One.

 

I hope this information helps you to help me make an informed decision - this all scares me

 

well there's nowt to be scared of.

 

what you need to remember is these are all DCA's

they have NO LEGAL POWERS neither have their fantasy 'solicitors'.

 

they are NOT BAILIFFS [that comes if it get through court & a CCJ]

so don't feel intimidated

as for the phone call etc etc ugnore them and NEVER EVER use the phone to discuss debts with ANYONE even the OC.

 

dx

[tracy0512]

You are a gem - feel like we becoming best friends lol.

 

Ok - am leaving work early tomorrow - so will get a £1.00 postal order and send to APEX my letter requesting original CCA - then I know I have to wait 12 plus 2 days - if I don't get a response - then I shall move to the next letter in the process - I believe that's on this site as well.

 

Thanks again and I will keep in touch over the next few days.

[tracy0512]

dx - I have now sent off CCA request, recorded delivery - sent on Wednesday 12 May 2010. I shall now give them another 10 days from Monday and see if I get anything back. If I do - I will then ask what the next step is and if I don't I shall again ask what the next step is.

 

Have a good weekend and thanks again.

[dx100uk]

14 working day

 

dx

[tracy0512]

response received form Apex on Sat morning, advising that they will take the matter up with Lloyds TSB, but until then my account has gone on hold and I won't hear from them until they get a copy of the credit agreement from lloyds.

/

 

What do you think?

[dx100uk]

makes no odds really

but thats what i would expect them to say

they know they are stuffed

thats what they say when on dodgy ground.

 

oopss damn we've found someone we can't mug/con into paying.

 

sit tight

 

dx

[tracy0512]

hi dx hope you are well.

 

Update - still no response from Lloyds TSB/Apex re CCA.

 

If still not caught up with me either, am waiting on them finding me and sending me a letter again to tell me I need to pay them in full, or find out if they have also changed debt collection agencies again.

 

CSL still contacting me via telephone, although they have my address re Capital One credit card. I answered to them and told them that I am not willing to discuss over the phone and put everything in writing.

 

Will give you further updates next week, or as and when I get any news as I will probably need your help again.

 

Have a good weekend

 

Tracy