Lloyds overdraft passed on to Wescot

[rhos123]

These things just seem to go round in circles dont they? From one DCA to another and, as you mentioned, with no notification whatsoever from the OC.

 

indeed the dca merry go round, round and round it goes:madgrin:

[intend]

Yes in my limited experience More crap are useless. With advice from site one letter asking for CCA sent - could not supply it and so all I have had for the last 6 months or so are begging letter saying "Please pay, please".

 

As BB would probably say - wax crayons must have fallen down back of sofa cos now have Apex writing with what looks like another "please please" letter.. Sppose should write to em but as stated just another merry-go-round ride and I hate them.

 

Intend

[Bazooka Boo]

The only trouble with responding to their computer generated spam letters is that they will think you actually care and want to receive more deforestation, as they say, give a dog a bone and it will keep coming back, best left to ignoring them, especially this shower until they can actually produce anything remotely like a SD or summons, or if you want them to keep taking a bite of the bait drop them a line every 5 or 6 months, keep them amused for as long as possible, then send them to their bedroom without any tea.

[DDWales]

After total silence since October 2011, and no payments made!,

 

have had a lovely threatogram from 1st Credit.

 

2 letters the same day.

 

.the first being the standard 'phishing' 'are you such and such' and if not contact us etc...

 

and the other being that they have bought the debt from Lloyds

and that I am apparently the person they want including all personal details such as alledged money owed etc!

 

Bit naughty you think?

 

So what next?

 

No dealings with this lot before so what can I expect..

 

.the usual drivel?

[disgruntled2007]

After total silence since October 2011, and no payments made!, have had a lovely threatogram from 1st Credit. 2 letters the same day..the first being the standard 'phishing' 'are you such and such' and if not contact us etc... and the other being that they have bought the debt from Lloyds and that I am apparently the person they want including all personal details such as alledged money owed etc! Bit naughty you think? So what next? No dealings with this lot before so what can I expect...the usual drivel?

 

Isn't that an amazing coincidence! I just had a letter from 1st Credit accompanied by an LoA from LTSB! I look forward to the phishing missive next...

[DDWales]

Isn't that an amazing coincidence! I just had a letter from 1st Credit accompanied by an LoA from LTSB! I look forward to the phishing missive next...

 

Tell me about it! The other Caggers have mentioned that it's probably to help stave off their recent fine!!!

[intend]

Me too - looks like 1st crud bought a load ogf debts - LTSB need some cash to pay the latest fine. Like yourselgf - not sure what to expect from this lot

[Guest]

dd

seems another batch sold on by loyds, they did one a bit back to the likes of bowells/crapquest.

search 1st crud on cag, see what they're like

remind, are you on a payment arrangement with this?

[intend]

just re-read thread appears DD not paying.

[Guest]

cheers, yours as well?

if creditor, after doing the dca rounds on behalf, doesn't take action themselves then is likely to be up for sale. seems usual back scratching, cred gets the write off and then sells it out, also on commission?, for a dca to try and get their slice!

[Guest]

dd

some options, seeing as not currently paying?;

reduced (taking into account any charges etc) full and final offer, lump sum.

reduced final offer on instalments.

cca request, i know its an o/d but just to see what they come back with. take things then from there.

prove it type letter.

ignore for now.

what do you think?

Edited December 23, 2013 by Ford

[DDWales]

Cheers all.

 

Just ignoring until something useful turns up.

 

I will then hit them with the various templates and see what happens.

 

Ive had about 3 discount letters since before Christmas which is always a sign of something being up.

 

I think they know they've got a lemon on thier hands

...Lloyds have probably written off against tax years ago.

 

The account was opened in 2000/01

 

so it would be interesting to see what docs would be available and if they would be up to scratch.

[DDWales]

Just out of interest, does anyone think that Lloyds will have any enforceable documentation based on when the account was opened in 2000/2001?

[dx100uk]

is there anything that ever deemed as enforceable on an over draft

 

me thinks not.

 

its not covered by CCa anyhow.

 

dx

[Guest]

dd

i meant an O/D 'cca' request.

 

whilst o/d's are usually exempt from the agreement requirements at that time,

they should say so on receipt of such a request,

but still should provide a statement of account,

as an o/d usually becomes 'running account credit' (as confirmed in the act itself)

and therefore becomes subject to the cc act (but limited). see part v, s74 of the act etc.

 

i think andyorch may have drafted one re O/d 's.

Edited January 20, 2014 by Ford

[DDWales]

Thanks both...just curious I guess due to how old the account is and how they havent really done anything except use their many pet DCA's. This was originally passed on to Westcot in Dec/Jan 2010/2011!! Have had the standard discount letters too which often signal that there is usually something up.

Edited January 20, 2014 by DDWales

[DDWales]

An update!

 

First Cred have decided to ring me at work!! Naughty!

 

Just fired off 4 recorded delivery letters to their lovely Reigate office:

the prove it,

written correspondance only,

removal of telephone number/data(Section 10 Notice)

and no doorstep visits.

 

Have any other Caggers had 1st Cred phoning them at work?

 

This is a first for me and apparently it was from a Mr Brown (of course it was....lol!).

 

My understanding was that DCA's couldn't contact you in work?

[dx100uk]

correct

 

complain to the ICO/OFT

 

dx

[DDWales]

correct

 

complain to the ICO/OFT

 

dx

 

Thanks Dx.Do we have any templates in the CAG library that I could send to the ICO/OFT?

[Bazooka Boo]

No templates as such, just in your own words and maybe a reference to the OFT's own DCG, although they should know them, they wrote them!

[DDWales]

No templates as such, just in your own words and maybe a reference to the OFT's own DCG, although they should know them, they wrote them!

 

Will do BB! I'm looking forward to it

[AndyOrch]

The ICO have their own complaint page on their website.

 

Andy

[DDWales]

The ICO have their own complaint page on their website.

 

Andy

 

Cheers Andy

[DDWales]

Another threatogram of a discount and an intended doorstep visit! :whoo:This one is quite interesting too as it states that they are acting on behalf of Lloyds and not the owners. They just cant make their minds up! All template letters (prove it etc) that I sent last week have been recieved by them also..let's see what happens next...

[intend]

I think DCAs play a dangerous game - sometimes claiming ownership than at other times claiming to acy on behalf of the OC. Can't have it both ways.

 

My question - is this misrepresentation - and as such illegal?

 

what do other think and is this grounds for counter claims?