CSL sending all manner of threats on old Joint Bank Account debt

[pinkrat]

Hi its been a while since i've been on here but i'm looking for some advice.

 

My partner has received a letter in his and his estranged wifes name from Credit Security Ltd.

 

Looks like a debt from Lloyds bank bought by them.

 

My partner says the debt is from a joint account from about 5 years ago.

 

The letter just says that they understand that he now is residing at the above address, mine,

and to contact them to discuss the account asap.

 

If someone has any advice on what to do i would be very grateful,

 

thanks

[bigandyuk1]

Sounds like they are not sure he is residing at your address and they are phising to find out! In my opinion ignore it and don't give them the information they need to confirm their suspicions.

 

Regards

[harrassed senior]

Ignore, just a phishing letter at this time. Wait and see, what, if anything follows.

[pinkrat]

My partner and his estranged wives house was recently sold after being repossessed and

 

a company acting on behalf of Lloyds called Eversheds traced my partner to my address as they had money left to divide.

 

This was true and the money will soon be received.

 

Do you think the Credit security got my address from Eversheds.

 

If so, should we still ignore for now?

 

The letter is addressed to my partner and his wife but obviously she doesn't live here

 

but the invoice on the bottom of the letter is only in my parners name.

 

There is no demand for any payment,

just to get in contact with them.

[harrassed senior]

I personally would still ignore until they send something more substantial.

 

You don't need to do their work for them,

 

at the moment they are probably only trying to trace both parties to this.

 

What type of account are they chasing for Lloyds,

as you mention 5 years,

in which case it may well be SB soon.

[pinkrat]

Seems my partner left finances up to his wife and he's not sure what the debt is.

 

Maybe its an overdraft or something.

 

Its not a loan,

 

its debt developed from a joint bank account.

 

Also what does SB mean?

 

Thanks for your advice

[dx100uk]

sb means statute barred

 

they are just phishing to see if the can con you into paying before it gets time barred

 

ignore them

 

dx

[pinkrat]

Thanks very much, we'll ignore for now then and i'll keep you informed

[pinkrat]

Morning all,

 

just got home to discover 2nd letter for addressed to my partner and his estranged wife.

 

Its quite blunt,

 

no dear sir or madam

 

It says in capitals

 

Please take note, you have ignored previous communication, you have had the benefit of goods/services supplied for which you have not paid,

unless we hear from you within 7 days with a payment and repayment proposal we may without further notice

 

(1) Instruct one our our local collectors to call upon you for payment

 

(2) Proceed with legal action for recovery through Aylesbury County Court

 

It is in your own interest to make an arrangement for settlement now by completing the portion below and returning the entire letter to this office.

 

So what do you think we should do now,

 

i'm quite annoyed a company is writing to my address to a couple who only one half live here, this is my house.

 

I feel like writing to them myself and telling them where to get off.

 

The debit is joint not just his.

 

Thanks for any advice.

[pinkrat]

Is ignore still the best policy, are they likely to send a debt collector out. I always rely on this site to give me the best advice.

[harrassed senior]

Still phishing - ignore again.

 

It is just possible that they 'could' send a doorstep person, but you do not have to open the door to them, tell them you want them to leave (through closed door). Highly unlikely though. Seen the above letter many times before, all 'threats' and best ignored.

[pinkrat]

Ok, thankyou for your advice, i'll carry on ignoring. I never answer the door to anyone that knocks so that won't be a problem if they do send someone

[dx100uk]

best look up your local police non emerg number

they have as much right to knock at your door as the milkman..bye..hello is that the police... i've..

 

dx

[pinkrat]

Afternoon all, received 3rd letter from Credit Security Limited.

 

This time its on pink paper

 

It is noting that their previous correspondance has been ignored and that they are left with only one course of action

which is recovery through county court.

 

However, as a final gesture to resolve the matter,

they are prepared to accept a reduced sum in settlement.

 

They have reduced the debt by £600 if it is paid by 5th december

and then my partners credit reference file will be amended accordingly.

 

The letters seem to be coming pretty regular,

should we still ignore?

Thanks for the advice

[dx100uk]

classic sign that either the debt is mainly unlawful charges or ppi

or

they have no paperwork to back up their fleecing activities.

 

ignore totally

 

dx

[Huff&Puff]

You probably won't get anything more from them after this. The pink one is their "nuclear option"

[dx100uk]

depends if thats the soft pink paper or the rough one.

 

ones for the hamster the others for your.........

 

dx

[pinkrat]

Lol, hamster bedding it is then Will carry on ignoring, thanks very much for your advice

[pinkrat]

Hi, me again.

 

Just received 4th letter from Credit Security Limited.

 

It says again that my partner has disregarded numerous requests for settlement

and unless they receive a payment and repayment proposal at their office by noon 23rd dec

a claim will be prepared for issue in the Aylesbury County Court for the debt, interest and an application for costs.

 

Any judgement given will be enforced by the court bailiff.

 

Sounds pretty scary now,

 

what shall we do?

 

Merry christmas all

[caledfwlch]

They seem to have missed out a couple of steps

- like your partner can ask the judge for time to pay,

and they wouldnt be able to send a Bailiff round,

unless they successfully gain a CCJ

and then your partner would have to not keep up to the payment plan the judge awards...

 

If the letter literally says they will get a CCJ and will put a Bailiff straight on,

that sounds to me a bit like misrepresentation of powers to cause fear.

 

At the end of the day, if it comes to Bailiffs likely to turn up,

 

you can just do a Stat Dec for a tenner at solicitors claiming ownership of all goods in the property so they cannot take anything

- only thing that could be at risk is if he has a car in him name, but those can be hidden

[pinkrat]

Thanks for your reply

Edited December 14, 2010 by pinkrat

[pinkrat]

Thanks foryour reply, my partner has brought nothing but his clothes to my property. Everything in my house is mine and he has no job at the moment. Are my possessions at risk if a bailiff called?

[bigandyuk1]

A baliff will not call until and only IF this shower of idiots take him to court and win. These are still just threats at the moment. Sit back and have a very merry Christmas.

[pinkrat]

Thankyou you too.Merry Christmas x

[ajs444]

Getting letters from these also,

 

seemed to have taken a TSB debt from Wescott,

 

also an M&S debt over 2 years old and unenforceable,

 

where have they suddenly appeared from?

 

Have not noticed anybody on CAG mentioning this low life,

 

as I am in Scotland I'll have to see what happens next,

 

TSB were asked for agreement over 18 months ago and didn't produce,

 

M&S is for old storecard converted to Credit Card,

 

my thread is under Other Institutions M&S.