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unknown CCJ Jan 2015, cabot/restons - LLOyds CC dent - now ICO - help!


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hi

got my first dn from lloyds tsb

 

seriously i aint bothered bout credit file and ive claimed all ppi and charges back.

so

1. debt £5200

2. missed 3 payments

3. enforceable cca prior 2005

4. 2006 changed account numb but no new agreement

 

should i keep paying or argue this one

 

im not exactly flushed

 

so to be honest mite let dca chase me and fight the battle

 

any thoughts?

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you really need to take those pix and doc downyou can clearly see everything

 

use paint in windows to blot over ALL pers info and account numbers ref numbers etc etc

 

we have spies!!

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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scan your sheets/agreements

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dated 17th August 2010 - 1st class 2 working days, 2nd class 4 working days.

 

So 1st class - Received Thu 19th August 2010 14 days = 3rd September 2010.

 

So 2nd class -Received Fri 21 Aug 2010 = 14 days = 5th Sept 2010 so it would seem DN valid on dates.

:mad2::-x:jaw::sad:
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Well I got an enforceable cca and valid dn.... The only negative for bank is they changed my account number and credit limit but never sent me a new agreement... So I better think of a way to try and make a deal with the hated lloyds

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yep dn is compliant

hve you got any unlawful fees like late payment/over limit

or p'haps mis sold ppi?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 4 years later...

Long time no hear but need some assistance

 

That credit card for Lloyd's has come back to haunt me

 

Checked my credit file and they have given me a ccj

 

But worst of all they are trying to get my ex wife's house

 

Ok

Run

Debt £5580 now with £600 court costs

 

So £6180

 

Restons have got a charging order on my ex wife's house as she never took my name off mortgage when I left

 

11 years ago

 

I am also on the land registry

 

But she has a 0% interest declaration of trust

 

And she hates me !!!

 

I can't afford to pay it obviously

 

Any advice would be welcome

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blimey

o when did they get the CCJ and the CO?

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
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