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

[tc5712]

oh no snotcrawl!!

 

this debt is getting tiresome!

 

if they could do court they

or

the other many dca's you've

or

the OC

 

willy waving me thinks

 

dx

 

Lol dx! Had to read your post a few times before I think I got your gist. Seems like words have been cut off?

 

Snotcrawl = Doorstepper?

Tiresome I agree but the letters keep coming and I have been asked to post them here as they come.

[dx100uk]

sorry my keyboard batteries were going.

 

if they could do court

or

any of the other many dca's could

or

the OC

 

they would have done by now.

 

by tiresome I mean the debt to you.

 

they just keep willy waving!!

 

dx

[tc5712]

And another letter arrived over the weekend. Can't be ASKED to even scan and upload it but the general gist was:

 

"Call us now for a substantial discount to settle this debt".

 

So we've gone from Court action threat -> Doorstep threat -> Please send us some monies? Anything will do, pretty please!

[Bazooka Boo]

Slowly slipping to the bottom of the barrel for the odious creatures to all have their little bite.

No paperwork, no pay.

[intend]

Wonder how low can they go??

[tc5712]

Many thanks Brig, sent the below. (Tracked).

 

Dear Collections Dept,

 

Your Ref XXXXX

 

Thank you for your letter of 29/08/13 (attached), the contents of which have been noted.

 

I WILL NOT discuss any financial matters by telephone ALL contact MUST be in writing only, this is my wish and my right.

 

I refer Capquest to the recent Appeal Court Case Roberts v Bank of Scotland June 2013 and the findings of their Lordships regarding telephone harassment. (For your benefit this can be found at http://www.bailii.org/ew/cases/EWCA/Civ/2013/882.html)

 

Perhaps Capquest's Compliance Department should read, mark and LEARN!!

 

Yours, in writing only,

 

TC5712

 

Watch this space. I sent the above email 'tracked'. I got a notification today that the CEO of Crapquest no less, 'Helen Ashton' re-read this email today.

 

Looks like my file is being reviewed!

[BRIGADIER2JCS]

Good tc, I bet Ms Ashtons getting over the company Xmas P up:madgrin:

 

Have a good one!

[tc5712]

Just a quick update to say there is no update. Last contact 2nd Dec 2013.

 

Think they may have finally given up!

[intend]

good news tc - you can only hope

[Bazooka Boo]

Just a quick update to say there is no update. Last contact 2nd Dec 2013.

 

Think they may have finally given up!

 

Now you've gone and done it!!!

[tc5712]

Nearly there on this one! Default date on credit file says 13/07/2010. Will this just 'fall off' my file in July or do I have to apply for it to do so?

[maroondevo52]

The default will automatically drop off, although it may take an extra month or so before disappears from your credit report.

[dx100uk]

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

[tc5712]

Just thought I should let you all know that, this month, this has finally dropped off my credit file!

 

Thanks you all so much for all the advice over the years, you have been amazing.

 

If it weren't for you I'd still be paying a DCA for this alleged debt and they would have been coining it in.

 

My credit score has now leapt from 1/5 to 3/5 but I'd be interested to know how to get that higher?

 

I've heard getting a no fee credit card and just spending a little each month but paying it off in full can help?

 

Many thanks again!

[dx100uk]

Glad you came back to tell us

Always nice

 

Those cards that help you rating are a publicity myth

 

Have you anything on your file that's running?

If there are no defaults anymore

You score should be perfect

 

On voters too?

[Bazooka Boo]

Yep good to hear, stick it to em!

[tc5712]

Glad you came back to tell us

Always nice

 

Those cards that help you rating are a publicity myth

 

Have you anything on your file that's running?

If there are no defaults anymore

You score should be perfect

 

On voters too?

 

Nope everything green on file and also on voters.

 

I have a score of 573 which shows as between poor & fair. Average is apparently 616.

 

Very odd.