Moorcroft chasing Lloyds loan now sold to 1st credit

[intend]

Thanks Brig - just what I thought.

 

Intend

[intend]

Update on loan account - now received letter from Apex Credit Management Ltd. "Acting for their client" and "role is to act as an intermediary between you and our client to ensure that the debt is repaid"

 

Cant be bothered to scan as usual drivel as "we profile our clients' accounts carefully.." blah blah blah.

 

Account has been in dispute with Moorcrap after CCA request came back empty.

 

Advice on my response gratefully received.

 

Thankfully my daughter has now realised this is just another 2 bob ride on the DCA merry-go-round. Me, I'm just annoyed LTSB did not have the balls to write to us.

 

Would love to come to some permamant arrangement with LTSB so she and her family can have some certainty in their lives.

 

Cheers intend

 

Bumping -

 

note to Abrig - shouldn't it be Thebrig??? -

 

Intend

[Abrigadier]

Probably but the log in/register was fussy:madgrin:

[intend]

Just sat here thinking the CC debt has been handled with courtesy by LTSB and son-in-law paying regular amount, probably a bit more than he should but affordable, but fair play to LTSB they have frozen interest and refunded a fair wack - so to me thats fine.

 

But the loan "sharks" have been praying for blood and refuse to enter into reasonable discussions - were paying over £50 per month - not really affordable but Intend helped out, then in middle of 12 month agreement, they passed it to Moorcroft, who demamded more. With advice of this site, CCA'd them - can't find agreement, Mcrap but account on hold and I stop paying. LTSB refuse to communicate directly - so carry on not paying.

 

Now the letter from Apex.

 

Should I send letter that Account in Dispute"?? Sure BB would say complain cos think they should not pass to another when in dispute.

 

But moral of story to our Bank - "play fair and I will pay"

 

Intend

[Abrigadier]

Yes I would send the dispute letter with a firm reminder that

the matter is already disputed elsewhere.

 

Carry on as before with the other matters you

are on the right track.

[intend]

Cheers - will click star - we need your reputation up asap

[intend]

Can anybody point in the direction of useful threads on Apex as they Have now surfaced. When Moorcr@p took over I read lots and it relly helped.

 

Intend

[Abrigadier]

Thanks for the ''click'' intended I

would use the search button on the top of the forum

and be a bit specific about what you want to know

about Apex, it'll stop you getting bogged down.

 

Brig.

[intend]

Thanks Brig - you are up to 25 in no time - do you like your new persona???

[Abrigadier]

I'm a newby need help:madgrin:

[Bazooka Boo]

If moorcr@p have it then it is either unenforceable due to the lack of paperwork, or it is full of charges ect, and it will never see the inside of a court.

 

All moorcr@p require is this http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

Edit to suit, send it 2nd class post but obtain "Proof of posting" from the PO counter. And ignore them.

 

If your paying them anything for this then stop, no-one gets another penny until they furnish you with the agreement and proof that they can actually legally receive money from you.

[intend]

Cheers BB - the debt now appears t have passed to Apex from Moorcrap - so should I complain as sure against OFT guidelines to oass a disputed debt on?/

Intend

[Bazooka Boo]

Won't do any harm to lodge another complaint to the OFT, and Apex can have that letter.

[intend]

Been to busy to do anything other than ignore Apex - but now they are ringing - must ring em today before 5pm - yeah right.

 

Time to write and tell them they have got a pup???

 

Intend

 

Just despatched letter to Apex stating do not recognise the debt owed as quoting some reference number rather that an account number and theat I do not respond to unsolicited demands for money from organisations I have had no dealing with. Also said in writing only. 2nd class post with proof of posting.

 

I know I should have sent letter in dispute letter but want to string it out a little.

 

Intend

[Bazooka Boo]

No harm in playing them at their own game....

[intend]

Another letter from Apex - might have crossed with mine to them. Usual drivel - disappointed failed to reach any agreement with us. Funny I have agreed to not pay them - presume they have disagreed - should I be disappointed?? Account to be passed to their internal litigation team in order to consider the best course of action for recovery odf the debt outstanding - easy pass it back to LTSB and I will deal with it but will not pay DCAs

 

Time for account in dispute letter as advised above.

 

Intend

[BRIGADIER2JCS]

Correct don't let them put you off.

 

Brig.

[intend]

Who is this posting here posing as the Brig??. Be aware of imposters!!

 

Seriously nice to see your old self back.

 

Letters about to be printed and sent off. On CC front - got another default notice - will ignore still paying the £20 per month. If only LTSB would talk about the loan I would arrange some payments despite no CCA.

 

Daughter just been made redunant - so back to drawing board - need to sit down and run over the finances again - prpare for more fun and games, she hasn't much debt but makes paying LTSb more difficult. But as BB says - priorites first which for her is two kids.

 

Thanks to this site I can stay on top of situation and keep the stress from her - like me she worries when not in full control.

 

Intend

[BRIGADIER2JCS]

That's sad news Intend, but there are jobs out

there my 18 year old granddaughter who has an

8 week old baby has just achieved a modern apprenticeship

doing an NVQ as an adminitrator in one of the largest

estate agents head office.

As Boo says priorities are family and health and well being.

 

Brig.

[intend]

Cheers Brig - good on your grandaughter. My daughter is not one to sit back, like me, her and her hubby have the work ethic and their reward is to be part of the working poor, trapped in a life where every penny counts. I do my best to insulate her from the worries.

 

Intend

[intend]

Couple of letters from LTSB - one a statement of account for last year - with a closing balance - would indicate they have not sold it and one stating whole balance is in arrears.

 

What is the significance of whole balance being in arrears??

 

Apex been quite since informed them account was already in dispute.

 

Intend

[BRIGADIER2JCS]

Hi Intend I would think that the whole balance

has been called in for immediate repayment and

if it has not been paid in full then it is in arrears.

 

Brig.

[intend]

Just getting a little concerned reading the current thread on site about "CAG running scared of CCA" as I have stopped payments due to no CCA. Seems to be a difference of opinion.

 

For moment my call is to carry on none payment until something concrete happens

 

Intend

[BRIGADIER2JCS]

Hi Intend,

Please believe CAG and the subscribers to it is

not running scared of anything,there have been

changes due to case law, one can no longer

rely on faulty or missing paperwork to indicate

possibly unenforceability, continue always to

challenge documents if the is a reasonable chance

of success, but to rely on the non production of

a CCA will now not necessarily keep the matter out

of court with recon documents if properly constucted

can be acceptable.

The DCA/creditor cannot enforce a debt in court

without an agreement, but they can still start action,

and pursue collection, they could at any time produce

a recon that MAYOR MAY NOT BE COMPLIANT,

here is where the balance of probabilities enters

the fray, a lot depends on the the back up evidence

to go with a recon.

Brig.

[intend]

Cheers Brig - will keep reading and posting when I can help. The more dialogue the better informed we can be.