Lloyds TSB v mav777

[dx100uk]

No cca is no pay

You should have stopped paying years ago

[dx100uk]

ok ive found and merged that old thread here for you.

 

next time they ring tell then writing ONLY put the phone down

you should NEVER talk on the phone to a fleecing DCA

don't forget its coming upto xmas and they need mugs to blindly pay them free money to their pocket so they can fund the company xmas do.

[mav777]

Hi dx,

 

As always you are great at helping I appreciate it.

 

What do you think my next step should be?

They've asked me to get in touch, they are sending letters care of to my mothers and have said they are going to do a track and trace on me if I don't give them my current address.

 

So far they haven't provided me with any CCA and seeing that nothing was in writing as far as I can remember regarding payment and that my sister was paying would this exclude me from the time period of being taken to court for ccjs or for them to attempt to change the debts to secured in court?

 

Many thanks

Edited November 16, 2018 by dx100uk
Quote

[dx100uk]

Which debt have they written about

They cant lump together all 3

 

Are any of the letters titled letter of/before claim?

If not pers id ignore them

[mav777]

I'm unsure what they have sent to my old address to be honest?

 

They then basically phoned and since then I've had two letters.

 

One which says my account has been passed to the sensitive care department regarding the 2k+ debt which I believe was the credit card and the other is a breakdown of payments made through the standing order for the 4k+ which I think was the overdraft.

 

So possibly they are not chasing the loan, I did at the time ask them to please not add interest due tot my circumstances buy in all honesty I couldn't tell you if those figures are right or not.

 

Ok just checked now

 

And the second letter says

 

Original lender Lloyd's

Date the agreement became an executed agreement 27th August 2007

Account type unsecured loan

Duration 60 months

Amount of credit £0.00

Contractual payment £0.00

Date assigned 20th October 2012

 

Statement of account

 

Following is a statement of your account covering 1st November 2017 to 1st October 2018

 

In this statement we give the date and duration of your agreement as provided in the agreement.

 

Then it shows a list if the £1 payments

 

On the back it says with headings

 

Settling your credit agreement early

Info etc etc

 

Paying less than agreed sum

Info etc etc

 

Dispute resolution

Info etc etc

 

More information

Info etc etc

 

Contacting Cabot

Info etc etc

 

Making a payment

Info etc etc

 

So are they telling me there made their own credit agreement??

 

Any help appreciated as I'm at a loss

 

Thanks

Mav

[dx100uk]

when you get all the letters

scan them up to one multipage PDF

read upload

 

you seriously should have stopped payments years ago.

[mav777]

Hi DX

 

Do you mean as I was paying they've got me by the balls or do you mean I've wasted money by paying them?

 

It was my sister who was paying them also by the way.

 

I'll def scan as soon as I get then all cheers

Edited November 18, 2018 by dx100uk
quote

[dx100uk]

pitfall is it runs the statute barred clock till you stop.

 

lets get the info, as it was your sister it could be deemed as authorised by you.

 

as for good or bad well we need the info

it might pay you to SAR lloyds too get everything they hold on you,.

 

if I guess right cabot are only chasing the loan? this is what your sister has been paying off to cabot?

and they didn't have a CCA before?

when was the last time you sent them a CCA request?

[mav777]

Ok, starting to panic now lol.

Nothing was ever agreed, my sister took control to alleviate stress mainly.

 

The debt was first with Lloyd's at around 4,700, its changed since then to around 4,300. Lloyd's then sold to BLS.

 

Then BLS sold to Cabot.

 

I think Cabot are chasing credit card and loan,

I asked for a CCA back in 2010 and they didn't have anything and replied in writing to say this something along the lines of we cannot retrieve a CCA but you're still held responsible for the debt and should pay it but we cannot enforce it in court.

 

I'll try and get what I have and scan in next week was also going to possibly speak to debt line regarding statute barred.

I'll have to sort SAR with Lloyd's too and possibly Cabot?

 

Cheers

Mav

Edited November 18, 2018 by dx100uk
spacing /quote

[dx100uk]

just type no need to keep hitting 'reply with quote'

makes a thread twice as long.

 

no you don't need to talk to anyone regarding the SB status leave it be for now

if you go back and read your thread from post 1

you'll see you've already been told BLS were the in-house fake DCA of Lloyds, the debt wasn't sold anywhere.

 

sorry but back in the day you should have been told to stop paying, but there you go, diff thoughts then but some that for one reason or another are no longer here or on the siteteam.

 

not a thing to start panicking about...and what are you panicking about any...

[mav777]

Ok thanks DX, I will go with what you think is best.

 

Just worrying about bailiffs,

them trying to make debt secure,

ccjs etc

and the fact that I'm pretty skint at the moment...

[dx100uk]

Ok thanks DX, I will go with what you think is best.

 

Just worrying about bailiffs, - bailiffs can only come AFTER you lose in court, fail to pay in 28days and the judge allows it and even then they'll be court bailiffs not the lot you see on TV ...and there no forced entry on consumer credit debts anyway....

 

them trying to make debt secure,- they have to win a CCJ first...fat chance!!

ccjs etc as above...

and the fact that I'm pretty skint at the moment...

 

 

god you are green for someone that been here 7yrs

[mav777]

Hi dx100uk

 

No not really green just been through a lot last 15 years mate which I cant go into.

 

They've written again and are asking about my circumstances and for me to call them to discuss.

I wrote them an email asking for a SAR and the CCA for all debts, they replied saying that they require proof for the sars i.e driving license etc, am I ok to send these if they have address and signature?

 

also I asked them to correspond solely by email but they are still writing.

 

Ive now spoken to my sister and it seems she is paying Westcott and BS twice, but the debts were sold years ago to these so do they really have a case?

 

 

Cheers Mav

Edited December 7, 2018 by dx100uk
spacing

[dx100uk]

please don't use email.

WRITE

send them a CCA request as necessary

and an sar to the ORIGINAL CREDITOR

INC a copy of your ctax bill.with any SAR.

[mav777]

Will do DX, thanks for all the support, really appreciated.