CCA request declined for no sig on old Lombard Loan

[register]

i love it. thanks so much for your support! i will complain!

[register]

hi, im sorry if this is a stupid question, but can this new credit agency give me a ccj or ruin my credit record as they are threatening, or are they as powerless as lombard?

 

many thanks,

[register]

Look it is now doing the merry-go-round of the lowest form of DCA's ie, it has reached the bottom of the barrel, one loser has flogged it onto another loser who has zero history of the account, simply because they are in the business of buying lemons.

 

There is zero requirement to reply to their computer, it will go unread, as none of their staff is old enough to read yet, least of all open their eyes, all you need do is to keep up your complaints about these extremely immature puerile companies to the OFT&TS via http://www.consumerdirect.gov.uk/contact

 

Ignore them, there is absolutely nothing they can do, apart from threaten you with words they find in the dictionary!

also i thank you for the link to consumer direct but they do not operate in northern ireland (where i live).

[ScarletPimpernel]

If you are in Norn Iron there is even less chance of a DCA taking legal action against you. The NI Courts require a higher standard of administration than Northampton, for one thing, and the solicitors whose letterheads most of the DCAs use aren't allowed to practice in NI. Even if they get a CCJ, the usual bailiff threats are meaningless in NI as there are no bailiffs.

 

There is an equivalent to Consumer Direct in NI, but the name escapes me at the moment.

[Bazooka Boo]

Is it these guys? http://www.nilsc.org.uk/

[cerberusalert]

The Northern Ireland Association of Citizens Advice Bureau can be contacted at:

11 Upper Crescent

Belfast BT7 1NT

Tel. No: (028 ) 9023 1120

 

or

 

211, Antrim Road

Belfast

BT 15

Tel No: (028 ) 9075 2114

 

East Belfast Independent Advice Centre

85 Castlereagh Street

Belfast

BT5 4NF

Tel: 028 9096 3003

Fax: 028 9096 3004

 

Consumer Credit Counselling Service/Debtline NI

Tel: 0800 138 1111

 

National Debt Line

Tel: 0808 808 4000

 

Financial Services Authority

Tel: 0845 606 1234

Fax: 0207 676 1099

[register]

thanks again everybody. ill keep you posted.

[register]

finally donated. ill donate more when i get paid! thanks everyone for the help so far.

[Bazooka Boo]

Don't forget to treat yourself and keep some beer tokens!

[register]

just an update.

 

i have had 1 further letter from the dca.

 

no phone calls. i am extremely unharrassed!

 

i checked my credit record and its clean.

 

i think for the minute. i win!

 

thanks.

[Bazooka Boo]

Until they are able to flog it onto some other Muppet! Enjoy the peace & quiet, do some research, and hit the next unsuspecting fool with both barrels!

[register]

Until they are able to flog it onto some other Muppet! Enjoy the peace & quiet, do some research, and hit the next unsuspecting fool with both barrels!

 

i know. what do you mean hit them with both barrells. shoul i cca request all dcas that contact me.?

i havent done it with the latest one-Apex whatever.

 

what you think?

[Bazooka Boo]

CCA all DCA's really does depend on the age of the accounts, what type of accounts they are, and the history, a CCA request isn't a magic bullet that it once was, but will definitely put you back in the driving seat if they cannot come up with one.

[register]

just an update.

 

i recieved 4 letters in succession.

 

1 from apex debt collectors, 1 from a solicitor which threatened legal action, then said 'please do not contact us, contact apex' so obviously they are 1 and the same.

another 2 from apex threatening the end of the world then nothing for a while.

 

then i recievd a letter from lombard! they had already terminated my agreement.

i thought it looked familiar so i checked my letters and its the same letter they sent me in november.

then i got the same 4 letters sent from apex and the solicitors. exactly the same, same figures same threats!

 

does this mean apex, the solicitors and lombard are all one and the same?

 

was my 'terminated' agreement a farce?

 

i have ignored them all.

 

thanks everybody.

[Bazooka Boo]

Can you scan and post the children's letters up on here?

REMOVE all ID!!!

 

Give us the names and others can tell you whether they are the same company.

It is quite likely that the DCA is "in house" as is their tame "Solicitor".

 

You HAVE got a complaint open with the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

[register]

sorry boo i only have a wee netbook. no scanner. im convinced that lombard, triton credit, apex and the solicitors who i forget are the same company. scumbags.

[register]

update! recieved another threat of court/bull**** letter from a solicitor called greene and co. agents of RBS apparentley.

they always seem to say, contact the original company i.e lombard (RBS). i will be doing the same with this letter as the others... nothing!

peace and love.

[BRIGADIER2JCS]

If Lombard is the creditor then they

are the people to deal with.

[Old Cogger]

update! recieved another threat of court/bull**** letter from a solicitor called greene and co. agents of RBS apparentley.

they always seem to say, contact the original company i.e lombard (RBS). i will be doing the same with this letter as the others... nothing!

peace and love.

 

Sounds like threatogram letter for hire @ 75p a time.

[register]

update. recieved a letter from LOmbard, which states that they have not been able to extract mo ney from me, and have passed it on to wescott.

 

in other news i have a letter from 'moorcroft debt recovery' with notice of intended litigation from an old overdraft which i had completely forgotten about. I have not had any letter from them previous to this. THey have another account of mine, which they must have got my adress from and decided to resurrect this from.

 

will i sar moorcroft or cca now? is this a minor victory over lombard?/

[unclebulgaria67]

Send Moorcroft a prove it letter and see what they come back with, if they do. If there are any charges on the account, you may look to complaint about these with the bank concerned.

 

Re Lombard, wait to hear from Wescott and post back.

[register]

Excellent thanks. Ill send a Prove it today. Much apprecitaed as always!

[the_shadow]

If the "old" overdraft has a period of 6 years (5 in Scotland) where no payment or acknowledgement of the debt was made its stat barred and you would be within your rights to tell them to "do one"

 

S.

[register]

Thanks but i think its around 3 years, and im in northern ireland.

 

lo! the lombard DCa has just arrived ! its with AIC. never heard of them. it seems very non threatening?/

 

Moorcroft sent me another letter. asking for money again prior to litigation for said overdraught. funny they are going straight for this litigation route. when others havent. the i havent cca'd for this debt .

 

anyway the moorcroft letter was typed in COmic sans! written by a human it seems. Comic sans lol.

[the_shadow]

Overdrafts are not covered by the CCA, they have an exemption and thus dont require a formal application document, they just have to show youve had the money and you were notified of the overdraft facility and terms of it.

 

Its STILL worth CCA'ing the DCA for the overdraft facility letter tho.

 

S.