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landy_alert

LTSB/Apex defaulted loan etc- advice required please!

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Hi everyone:)

 

I wonder if anyone can advise me on this please?

 

I have a loan with LTSB taken out around 6 years ago which I CCA'd them for last year. The last payment I made that didn't bounce was 2 and a half years ago at which point our circumstances changed significantly for the worse.

 

Since receiving the CCA (which I can post up if necessary) I put in a claim for mis-sold PPI (in Feb 2009) which was upheld by the FOS and which was only recently refunded in full to me despite the account being in default.

 

Shortly after submitting the mis-sold PPI complaint last year I received a formal demand for repayment of the loan balance from ****. It was then passed to AIC and by the end of 2009 it had been farmed out to Apex.

 

Having got rid of AIC by using the account in dispute over mis-sold PPI excuse, I proceeded to do the same with Apex.

 

By December 2009 the mis-sold PPI complaint was still being investigated by the FOS and Apex were still on the scene. Since then however, I have heard nothing further from Lloyds or Apex or any other DCA in relation to this account for that matter.

 

Whilst I am happy not to be currently under threat from another nasty DCA, I am hoping to soon be in a position to settle this account by making a F&F offer.

 

As I don't currently know who is collecting on this account I'm not sure who I should contact..........also the fact that it's all gone quiet concerns me slightly - is it the 'calm before the storm' and LTSB are gearing up for legal action?

 

I'm sure the advice will be 'don't poke a sleeping bear' and if all is quiet on the western front, leave it that way - but I want to get shot of this debt if possible (and by paying the lowest possible F&F ;)) as I would rather do this than wait for them to start legal action.

 

I would therefore be interested to hear suggestions/proposals as to how I should approach this and who I should approach as Apex dropped off the face of the earth some 7 months ago.............

 

Is it possible to cite the inclusion of mis-sold PPI on the agreement as a reason for the account being improperly executed and therefore a tool to negotiate a low F&F settlement for example?

 

Many thanks,

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Well if your not sure who to contact why not wait until someone crawls from under a rock & contacts you?


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Well if your not sure who to contact why not wait until someone crawls from under a rock & contacts you?

 

Hi Cerberusalert:)

 

Thanks for your reply!

 

I fully understand what you are saying, but I would like to see the back of LTSB if poss and in making an F&F on this account I would be going some way to doing this..............as I have now reclaimed the PPI so couldn't counterclaim against any legal action on that basis and as I don't believe the agreement to be unenforceable, I would rather pre-empt court action by getting it settled ;)

 

As this is only one of several accounts with LTSB for which we are in default I am concerned that at some point they will run out of patience and file a claim for one or other of the accounts.

 

I will post up the agreement later for further comments, although from what I've seen on other LTSB threads, the agreement is ok - unless the addition of PPI has a bearing on things?

 

Also, I don't have a DN at all for this account - if it was received pre-Cag (ie, between when I last made a cleared payment in early 2008 and my joining here later the same year, there is a strong chance my OH shredded it, but one has definitely not been received since.

 

I did a SAR last year and no DN was included in the 4 inch stack of paperwork I received in response, although again from reading round the forums I understand Lloyds don't keep copies of these.

 

Thanks again for your advice,

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Helloooooooooo Guests :p


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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oh lots of them....

 

are they scared of you landy.

 

now on the from of DN's.......

 

they dont HAVE to keep them, all they have to do is record that one was sent. thats all.

 

so's thats not showing in the sar stuff?

 

don't forget the other possibility too.

it wasn't lloyds that defaulted you, it was the CRA system automatically doing it after 8 late or no payment markers were sent them.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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oh lots of them....

 

are they scared of you landy.

 

now on the from of DN's.......

 

they dont HAVE to keep them, all they have to do is record that one was sent. thats all.

 

so's thats not showing in the sar stuff?

 

don't forget the other possibility too.

it wasn't lloyds that defaulted you, it was the CRA system automatically doing it after 8 late or no payment markers were sent them.

 

dx

 

Thanks dx:)

 

I'm going to have another trawl back through the SAR stuff (the whole forest of trees they utilised!) and see if I missed anything...........

 

Will report back with my findings.

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi everyone:)

 

I have just been back through the whole 12 inch stack of SAR stuff from LTSB (phew..............:eek:) and couldn't find any reference to a DN being issued for this account.

 

All I could see was that the loan account was closed about 2 weeks after the date on the formal demand for the full balance from ****...........

 

At that point at least 12 payments had been returned as unpaid.

 

While searching I also found that OH's LTSB loan (stopped paying at around the same time) whilst also appearing to have no reference to a DN being issued, did have a reference to being 'charged off' after 12/13 payments had been missed. There is no such reference in my SAR notes.

 

I'm not sure of the significance (if any) of any of this.............

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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i think we can confirm then that it was an automatic defaults then

 

int on the charge off, you know what that means ofcourse.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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i think we can confirm then that it was an automatic defaults then

 

int on the charge off, you know what that means ofcourse.

 

dx

 

Hi dx:)

 

I had previously assumed (from my experience with MBNA) that when an account was 'charged off' the company concerned had sold it and claimed tax on it?

 

However, this account (not mine as per this thread, but OH's) was passed to AIC (around the same date of the charge off), then Apex, then Robbers Way, then most recently West Clots - all of whom refer to 'our client' so it appears to still be with Lloyds.

 

So have I got it wrong - can 'charged off' refer to both an absolute and an equitable assignment?

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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me thinks something fishy is going on thats for sure.

 

poss the DCA's are getting wise to the fact that they can ask 'more' if they claim to be still operating on behalf of the client.

 

ok just forwarned, i'm off up north to me BnB 3-13th so's i could be seeing a period of limited access.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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