HBOS card - CCA - NO Perscribed T&C's - now with lowlife.

[lamb909]

You do make me laugh BB, which is very welcome in some dark days

[Bazooka Boo]

The days are never dark where DCA's are concerned, especially Lowlifes, it would brighten my day if Moorcr@p handed them the reigns of this alleged debt they are not going to recover!

[lamb909]

The days are never dark where DCA's are concerned, especially Lowlifes, it would brighten my day if Moorcr@p handed them the reigns of this alleged debt they are not going to recover!

 

Do you mean Moorcroft, I don't understand how they can hand over the reigns when Lowells already have it

 

Sorry, you've lost me there ??

[Bazooka Boo]

Just thinking out loud, Moorcr@p have an alleged debt of mine for the princely sum of £12.48, I am hoping that when they realise I won't be paying them anything they will pass it to the next clown Lowlifes to attempt to collect.

[lamb909]

£12.48 eh BB? Well, you've got to look on the bright side, they just may take you to Court. Wonder how much they sell it to Lowells for . PMSL

[Happyhippy1959]

oh BB, are they that pedantic that they will chase you for that sum..!!!!!!!!!!!!!!!! Muppets one and all

[lamb909]

Lowlife are getting kinder and kinder

 

Had a letter saying they are going to check my credit file to see if I have a mortage and are paying other commitments on time

They may use the court or a door step collector depending on the information they find

 

But, they say "an amicable solution would be better for both of us, we really would prefer to avoid taking further action against you. if we use the courts any costs incurred will be added to my account when all we want to do is recover the money you owe. We do not want to increase your debt from what it is today or cause unnecessary stress. this is why we urge you to set up a monthly payment plan, paying back an amount you can afford. We appreciate that speaking to strangers like us can be distressing and embarrassing but rest assured all our staff are fully trained to help. If you would prefer not to speak to someone then you can complete the direct debit mandate with the amount you want to pay"

 

Only thing I am concerned about is them checking my credit file as I do have a mortage etc - are they allowed to do this, I haven't given them permission

[dx100uk]

sadly they have a license so can yes

 

ignore its a std letter

 

dx

[Bazooka Boo]

And unless they own this alleged debt, then they won't and can't take you to court, fantastic play on words to make you believe they can carry out this threat.

[lamb909]

They do own the debt BB

[Bazooka Boo]

So they say, have they shown you any proof of this? If it is just their say so in their puerile missives, then that is as reliable as a Naafi watch!

[Happyhippy1959]

It seems it is this ping pong of letter writing once they cannot come up with the information that you requested. I think as BB say's its puerile missives and I think I have my own template one now where it just spouts the

 

PUT UP OR SHUT UP ( SEE YOU IN COURT ) and add the usual garbage of the even if not read by you ......... also with the review of my payments I just send back a court approved I&E and then they send a form that would put the CGHQ out fit to shame with all the information they think your going to give... Same again,, only a judge can you know the form....It's just depressing that they think they can bully everyone.... the best I saw and I have been following was the company that told the CAG member she should not be getting advice off the internet..!!!!!!!!!!!!!!!!!!!!!!!!!!

[lamb909]

Right, another letter, they have checked my credit file, they will be assessing this info and sending my account to either sending an agent out, court where they will proceed with action. Last chance to make an arrrangment , again to show how they are ae offering the chance to pay £15 per month

 

So, first all, just to get my mind clear, are you guys absolutly sure that this "CCA" wouldnt suffice in court? and they would not win? How,ikely are they to take it to court, as they must see what we see so must obviouly know they cant produce this document in court and get ruling, is this correct?

 

If so, is there a template letter I can send saying either take me to court or leave me alone, or words to that effect. I have just had enough, I've just dealt with one case that was resolved how I wanted it to and there lowlife are doing my head in

 

Appreciate any help

[lamb909]

Bump

[dx100uk]

one last time

 

theyhave sent you a letter offering a discount

 

once this is done

 

they have shot their bullet

 

they have no enforceable paperwork

or

its all PII/Charges

 

time to IGNORE EVERYONE NOW.

 

the only time you need to post will be

 

IF YOU GET A COURT CLAIM STAMPED BY THE COURT.

 

which you wont so

 

time to put it too bed

 

your are on a phishing list

 

plentu of hampster bedding to come yet

everyone will have their try

 

DONT RESPOND

 

dx

[lamb909]

sorry for posting and asking advice, sorry to have troubled you

 

I just needed reassurance, I apologise that this is a problem for you

[dx100uk]

not a problem to me

 

you just need to stop worrying really

 

get on with what matters in your life.

these planks dont

 

always here to help

 

dx

[Bazooka Boo]

Yes definitely ignore them, their letters are computer generated, designed to intimidate and fill our heads with all kinds of nonsense about stuff they cannot do, nor would they ever do, ignore, ignore, and ignore some more, just laugh at their petty immature letters, I look forward to the ones I get just so i can call them up and bait them on the phone, you know your winning when they hang up!

[lamb909]

Srry to bother people but having not heard from Lowlife for months, got a call today from a family member saying hed got a letter saying he owed HBOS £XXXX, the exact same as mine. Hes not very happy with me or them. Obv its my debt but its addressed in his name with same ref number but how do I put Lowlife straight, is there a letter I can send them?

[dx100uk]

send both letters to the oft!

 

that should drop lowlife in the can nicely!

 

dx

[lamb909]

I intend to but want to send something to lowells saying whatever I need to say and not to send letter aboutmy debts to other family memebers

[dx100uk]

wont matter they'll just sell it onyou ned to get the authorities involved

 

dx

[lamb909]

After another letter this morning, stating that the compliant to HBOS was settled?

 

They own the debt, I have had the true and proper paper work (CCA), they are willing to work with me to clear the debt,

they have very helfpul staff and I have no need to be embarrassed, they will put in on hold for 28 days to give me time etc etc,

 

I am beginning to think I should pay them.

 

I truly cannot cope with the hassle, the letters, being scared of going to court, all the letters going back

and forth and despite me telling them more than 3 times that they have nor provided any prescribed T&C's which they never answer in their letters.

 

I appreciate all advice given so far but I just wish they'd do something,

take me to court if they can then at least I know what happening,

its not SB for approx another year and a bit and whilst some of you may find it funny,

i am at the end of my tether.

 

Whilst the advice has been given is great,

i cant help worrying,

my mental state is not good andbeing short and abrupt with me isn't helping, sorry

 

i can offer to pay £1 month then it would take me nearly 5000 months to pay

 

I just wish I could say take me to court then if you think you can and have the correct paperwork

but this may backfire on me and they may do so and I dont need another CCJ.

 

I cant cope with endless streams of letters and worrying all the time,

I know its been suggested I shouldnt but I cant help it, its in my head

[dx100uk]

as in post 65 & 68 refers

 

this is why they are doing it

to wear you down

 

did you send copies of those letters off to the authorities as advised

 

it wont go away till you do SOMETHNG

 

you sit there worrying

will just make the non existant debt play worse and worse on your mine

 

DCA 1 punter 0

 

we know the debt is unlawful

 

they've offerd a discount

 

game over

 

dx

[dx100uk]

i'm gonna pull a string

and see if

 

Lowell CRT

 

rep will look in for you

 

dx