lloyds tsb debt - every dca has had this alleged debt - when will it stop! - help

[tc5712]

To cut a very long story short I have an alleged outstanding personal loan from LloydsTSB.

Was passed to Moorcroft Aug 2010.

CCA request sent, they couldn't get one so default of CCA sent Sept 2010.

Oct 2010 recieved notice from Moorcroft CCA unavailable.

Dec 2010 contacted by Apex, sent account in dispute letter.

Jan 2011 Apex accepted account was in dispute and went away.

Now just a few days ago (May 2011) I get a letter from Robinson Day Ltd requesting full payment.

Should I send account in dispute letter again?

Many thanks in advance,

TC

[Rayne]

In a nutshell, yes

[teaboy2]

Who currently owns the account Lloyds? or did they sell it on?

[tc5712]

No DCA I have dealt with so far has been willing to divulge that specificly.

 

But they do always say 'we are acting on behalf of LloydsTSB'?

 

Not sure if that makes it any clearer or they are BSing.

[dx100uk]

look at your cra file

that will tell you who owns it

 

dx

[teaboy2]

Agreed, With Dx your CRA should shed some light.

 

Dx - Sorry for my rude word in my other post about paypal, i didn't realize yourself or another mod had edited, thought it had be filtered out by word filters and the note was automatically put their because id only just posted it like 5 secs before the words appeared. You were quick i give you that. lol

[dx100uk]

wasn't me!

 

dx

[Bazooka Boo]

If their letters say they are acting on behalf of their clients, then LTSB will still own it, your CRF will/should show you the name of the circus outfit whose been given the lemon to hold.

[tc5712]

If their letters say they are acting on behalf of their clients, then LTSB will still own it, your CRF will/should show you the name of the circus outfit whose been given the lemon to hold.

 

Have already sent the account in dispute letter and was delivered on 6/5/11.

 

Is it still worth getting hold of the CRF before they respond?

 

TIA

[tc5712]

Just signed up for a free trial account at Equifax and it says the account is still owned by LloydsTSB.

[Bazooka Boo]

Well now you know, your next task will be to cancel your free trial in time before they take your money!

[tc5712]

Well now you know, your next task will be to cancel your free trial in time before they take your money!

 

Yep, done that.

 

So just sit tight and wait for a response from Robinson Day then?

 

TIA

[Bazooka Boo]

Yes wait for robbersway to grace you with their presence. Then continue to ignore their puerile letters, just file them away and make a new complaint each and every time they contact you.

[tc5712]

I got this letter today from Robinson Way.

 

No acknowledgment of my ‘Serious account in dispute’ letter whatsoever!

 

I know they received it as I sent it recorded and was signed for on the 5/5/11.

 

I’m quite happy to ignore this latest letter but is there something else I should send as they have blatantly ignored the letter I sent them?

 

TIA

 

TC

RD120511 edit.pdf

[bernardski]

Fire off a harrassment letter to them and report them every time they make contact with you.

[bernardski]

Quote the OFT 664 debt collection guidance sheet titled "Final guidance on unfair business practices"

 

Physical / Psychological harrassment -

 

2.6

h. ignoring and / or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

[tc5712]

Can't seem to find a harassment template relating to letters? Should I just edit the 'phone calls' one?

[bernardski]

YOUR ADDRESS

 

 

 

DATE

 

THEIR REFERENCE

 

TO WHOM IT MAY CONCERN

 

ACCOUNT IN DISPUTE

 

Thank you for your recent letter(s) dated,……………………………. The contents of which have been noted.

 

On the (date of letter) I sent a letter to your company informing you that this account is in dispute.

 

You received this letter on the (date of recorded confirmation) but have since commenced collection activity against myself regarding this matter despite the fact that I have made quite clear that this account is in dispute.

 

I would like to take this opportunity to draw your attention to the CPUTR 2008 and the OFT guidelines on debt collection which state under the title Deceptive and / or unfair methods:

 

Examples of unfair practices are as follows – 2.8

 

(i)- ‘failing to investigate and / or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongfully pursued.’

 

(k)- ‘not ceasing collection activity whilst investigating a reasonably queried or disputed debt.’

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

 

You have 21 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I look forward to hearing from you. I request that all contact should be made in writing only and to the address above. I have no wish to correspond by telephone or via personal visits and as such any attempt to contact me by either of these methods shall be deemed as harassment and reported to the appropriate regulatory authorities.

 

Yours faithfully

 

 

 

Printed Name

Edited May 12, 2011 by bernardski
typo

[bernardski]

Sorry i tried to upload as a word document but its not working, hopefully this may help.

 

Any of you other guys care to comment or offer some guidance??

 

B

[tc5712]

Thanks Bernardski

[bernardski]

Your welcome, i just wish Dx or BB were online as they are very clued up on all this, This is part of the Account in dispute letter i sent recently but as yet have heard nothing back so hopefully that means it relays to them that you wont put up with being bullied anymore!!

 

Any mods online available to offer any advice here please?

 

B

[intend]

subbing as in similar situation - LTSB passed to M/C requested CCA - couldn't so Account in dispute - just waiting to be passed on. Perhaps DCAs could form a relay team at next years Olympics - would definitley pay to see that one

 

Cheers Intend

[tc5712]

Thanks again bernardski, made a few minor edits to reflect my individual situation. Unless I hear any different this will be winging it's way off tomorrow:

 

 

TO WHOM IT MAY CONCERN

 

ACCOUNT IN DISPUTE

 

Thank you for your recent letter dated xxxxxx The contents of which have been noted.

 

On the xxxxxx I sent a letter to your company informing you that this account is in dispute.

 

You signed for this letter on the xxxxxx but have since continued collection activity against myself regarding this matter despite the fact that I have made it quite clear that this account is in dispute.

 

I would like to take this opportunity to draw your attention to the CPUTR act 2008 and the OFT guidelines on debt collection which state under the title ‘Deceptive and/or unfair methods’:

 

Examples of unfair practices are as follows – 2.8

 

(i)- ‘failing to investigate and / or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongfully pursued.’

 

(k)- ‘not ceasing collection activity whilst investigating a reasonably queried or disputed debt.’

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

 

You have 21 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I look forward to hearing from you. I furthermore request that all contact should be made in writing and only to the address above. I have no wish to correspond by telephone or via personal visits and as such any attempt to contact me by either of these methods shall be deemed as harassment and reported to the appropriate regulatory authorities.

 

Yours faithfully,

[Bazooka Boo]

IMO I would simply ignore that letter robbersway sent, it is simply the computer printing off the next threatogramme in it's weekly cycle, there will have been NO human input to that apart from the postie pushing it through your letterbox.

 

They have received your letter disputing the account, they just failed to tell the computer to stop sending out it's petty deforestation, if they persist in a few weeks of receiving your dispute letter, then send them this http://www.consumeractiongroup.co.uk/forum/content.php?425-Letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request

 

But it will need editing to suit, where it refers to 'your client' enter robbersway' name.

Alternatively ignore them completely and just continue making complaints about them to the OFT, TS, FOS, your local MP and the Media.

[tc5712]

Ok BB, will gladly take your advice.

 

Will sit and wait untill/if any further contact.

 

Many thanks.

 

TC