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OH lloyds tsb visa card


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Hi all, can I just thank you for the entertainment you have given to me since I found this site a few years ago, wish I had found it sooner.

 

 

 

Can any one tell me how many times a visa account can be "closed" (twice) defalted,(3times) even though we were paying the agreed reduced payment, restated, threatened with court action for none payment, even though we have a letter stating they will accept reduced payments, put on a "contractually binding agreement"? and be told to pay the full amount , OR ELSE!!!, before my head explodes

 

this has been going on since 2002.

 

any help?? x

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have you cca'ed these jokers?

 

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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Any charges you could re-claim ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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unsure where we stood as we have been paying lloyds, but when this recent letter arrived I decided to look back in file and what did I find!!

 

You may need a coffee and a sandwich!

 

hubby has had this card since about 1978,

 

We contact tsb in Jan 2002 loss of income unable to pay willing to pay pro rata payments, worked out by CCCS but delt with by us.

28th Feb from tsb; We have closed your account due to the money owed on it, cut up cards ect, ect. Agree to £20 a month for 6 m, not to add intrest.

 

phone calls for increase, we say no

 

2003

 

26 May tsb; thanking us for keeping to the payment plan, it has now ended, and that future statments will ask for min payment, also added interest

 

May us; letter sent, unable to make payments offer prorata payments again.

No reply £20 sent may. june, july

 

 

1st aug tsb; they are dissapointed that we have not kept to payment plan, and if arrears are not paid in 10 days they would demand full balance.

 

letter sent to tsb; we have not defaulted on the plan

 

8th aug tsb; thank you for contacting us , we have now closed your account, they closed it in 2002 and asking us to fill in I & E form.

 

US; you've had one!!

 

default notice27th aug, pay arrears by 10th sept.

 

us; we are not in arrears

 

22 sept. SCM; you have ignored all letters and DN from Lloyds, we demand full payment,

 

22nd sept, tsb; they will accept the prorata offer for 6 months they will not charge intrest but any that has accumalated will be shown on next statment, at the end of the plan will go back to original agreement and payments.

 

this is getting boreing now will shorten things

 

oct; MHA asked to collect arrears on account. SCM will start getting rough,

 

2004

 

Jan 14; DN money to be paid by 28th

28th; tsb are sorry that dispite letters & DN our account still over due, cancelled all cards want full payment,in 7 days. yawn!!

 

this carries on like a tennis match until document Sept 2008 saying they are "making the arrangement contractualy binding against them"

we must make payments of £13 a month until we have made a payment that exceeds the ammount of the min payment of section 2.1

i tried to scan in but cant get it to attatch sorry

2.1 min payment by payment date

2% of ballance (min 5, or full ballance if less than) or if it is more

The total of intrest and payment protection cover premium shown in the statement ,

 

Then nothing till March this year when they state the arrangement has come to an end, I send letter saying cannot pay , offer lower payment. letterback being passed to the collection center (where I sent it) no interest to be charged till they contact me, statementsw till june ask for full min payment and intrest added. then letter from SCM 21st of this month wanting full payment or else.

 

If you made it this far, thank you for reading

 

what to do next,

 

maybe turn it onto a diary and sell it to Lloyds TSB ???

 

can they read english??

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well you've been fleeced by the ppi

get that reclaimedfor a start

you've prob go heeps of unlawful charges, get them reclaimed too.

 

those should bring the balance down and put the a/c into dispute as well.

in the meantime pay what you want, stick to your plan.

await the cca reply.

 

dx

siteteam.

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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  • 2 weeks later...

Reply from Tsb today 4th, posted 2nd class, letter dated 30th sept (cca sent 23rd sep rec by them 24th)

 

Normal temp letter, but,, As your agreement was made before 19 May 1985, we have no obligation to supply you with a copy of your executed agreement, Dispite this i have enclosed with this letter:

 

a copy of your Current terms and conditions; and

 

a signed statement of your account.

 

they also state that as they have no obligation to provide me with a copy of the original signed agreement, they will endevour to locate a copy, and that I can be assured that they would not have opened a cc account without having sight of a signed agreement.

They say the agreement I have is fully enforceable and they shall treat it as such. They will not be entering into further corrispondence regarding the provision of copy agreements.

 

The back of the lettercontains detailsof outstanding balance, Credit limit, Current intrest rates, arrears, the ammount they would like by 7th of month,ect ect ect

signed by the customer account manager.

 

 

What now???

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chancing their arm..........

 

i'd bet the amount of PPI & charges far outweighs the claimed outstanding balance.

 

pers, i'd write saying you thus lets call it quits or i'll start reclaiming.

 

they'll say 'you have no agreement, prove it!'

 

i think you've got 'em

 

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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  • 3 weeks later...

Sorry computer is having hiccups,

 

can anyone suggest where i go from here??

also note no leaflet as stated in last para,

I love the bit about being a responsable lender?? and that we have become a significant risk since we contacted them regarding section 78,

we have been on a repayment plan since 2002 how much more of a risk can we be

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images too small

attach as a pdf

 

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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hehe

 

scan the required letters/agreements/sheets

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

goto 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

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

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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pers i'd get a ppi reclaim going

 

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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Thanks rhos,

just a thought, should I contact mr nevill at Lloyds cust relations to point out that they only sent me a copy of their present T & C and a statement of what I owe and what they want, and nothing of what my letter asked for

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