sussex versus lloyds tsb

[sussex1]

Hi

 

would that reply still count for my CPR and not CCA request?

 

lloyds initially said they were looking for my agreement and then threatened Court which is why I went down the CPR route

 

thanks again

[cerberusalert]

Yes because they are still in breach of your CCA request.

[sussex1]

ok, cheers I'll get it off to them tomorrow

[hardboiled]

Credit security must be the flavour of the month. After a nr 6 month silence they've come through to me as well.

[cerberusalert]

Credit security is in fact still Wescott.

[rhino666]

What the....

So the same monkeys are going over the same paper work. Doesn't look like they believe in efficiency then.

[cerberusalert]

They are just a couple of DCAs low down in the food-chain that pass a/cs between themselves hoping that a change of tack will give a result.

[sussex1]

hi, quick update, still nothing, not least an agreement from Lloyds but just an array of empty threats from various dca's.

 

The most recent one is Robinson Way, who i've dealt with before and no to be incompetent. Their second letter though has stated they will take £30 a month. Is this a tactic just to get me talking to them? THey will probably want to up the payments every couple on months I guess.

 

I've got absolutely no plans on making any payments until I see an agreement. Is it even worth sending account in dispute letter to them or just ignore as a fishing trip?

 

thanks

[cerberusalert]

You could send them this; http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

[sussex1]

Hi

 

have recently received this from Rob Way

 

Never had this before, is it a new tactic there have not been any recent actions on this account as they say, not payments at all for 3 years.

 

Should I simply be ignoring this or doing something more pro active. I guess they are lying in an effort to make me call them but by stating something that is not true cannot be right.

 

any views?

 

thanks

[rhino666]

What actions? Personally I'd ignore it until they produce another letter specifying what actions.

[cerberusalert]

Ignore them until they have something more interesting to say. As you said, they are trying to get you to contact them.

[dx100uk]

had loads of those telemessages...

 

un-app'd the att as your details show

 

if you post stuff up use:

 

scan 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

[sussex1]

Hi,

 

 

not had anything for some time until notice of assignment to Cabot who in turn instructed Marlin

 

I've ignored everything as they have sent it to a new address with details as to debt without checking I am the correct person.

 

Today I have had a letter from marlin ad sing that as I've not made contact they are instructing restons solicitors.

 

I'm aware that Cabot and marlin are the same company and guess restons are their in house Sols,

but wonder if I should do anything,

 

 

I've still not had a copy of the agreement since lloyds admitted they couldn't find it

and the copy they tried to pass off detailed an address I didn't live at when the card was taken out.

 

As they haven't yet established I am who they think I am, is it best to see what they do or should I be a bit more pro active?

[dx100uk]

pestons are a for hire sols

 

 

keep us updated

 

 

they do goto court

 

 

see what the next letter says

 

 

I'd send them a CCA request

 

 

its prob getting toward SB date?

 

 

dx

[sussex1]

It's not SB for about 15 months.

Would it be advisable to enter into dialogue with marlin now or wait until I hear from restons?

 

I'm pretty sure they will not have agreement as if lloyds found it prior to selling it then surely they would have kept it and chased me themselves.

 

Re the assignment/ selling of it, is there a procedure lloyds and/or Cabot should have followed? I Have the letter at work still

 

Thanks

[dx100uk]

notice of assignment

 

 

how are you gauging SB date?

 

 

dx

[sussex1]

Hi my credit file lists default as oct 10,

 

 

I think the last payment was more like April/may.

 

 

The problem I've got is I no longer bank with them and don't have the statements to be certain

[dx100uk]

well you can always sar your bank to get them

 

 

dx

[sussex1]

I've received a letter today from Restons asking for full payment by 17th Dec or they have instructions to issue.

 

 

They also invite me to send an income and expenditure sheet or phone them for a substantial saving!!

 

I don't hink this is one to ignore but what's my best way forward?

 

 

Lloyds admitted they cannot find the agreement and the copy they sent to satisfy CCA had an incorrect address.

 

Is it an idea to send Restons the letter posted by Cerberusalert in #2?

 

Regards

[dx100uk]

discount letters always means theres lots to reclaim.

 

 

uto you.

 

 

you know theres no CCA to be had

 

 

but if you want to send the CCA request

[sussex1]

Thanks, I fully expect them not to be able to produce an agreement and really don't want to have to deal with a summons if I can avoid it.

 

If I send CPUR request and hopefully get them to admit there's no agreement, I'm hoping they'll be less likely to issue.

 

What do you think?

 

Thanks again

[dx100uk]

why cpur?

send a CCA request if you are that worried.

 

 

this has been on threat-o-grams for 4yrs now.

 

 

dx

[sussex1]

Hi

 

yes it has but I just get impression that Restons are far more likely to issue than the others I have dealt with that tend to huff and puff before going away.

 

I can get the letter off to them tomorrow, do I send them the £1 fee but payable to Caboot for them to forward on?

 

thanks again for your time

 

I can

[dx100uk]

Blank po