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

[Old Cogger]

The existence of a debt did not give a lender the right to bombard the debtor with calls. It was for the debtor to decide whether they wanted to discuss the matter with the creditor.

 

In respect of the harassment appeal, the claimant had made it perfectly clear that she had not wanted to speak to the bank, and she had been perfectly entitled to do so. Once the bank had phoned a few times, it had been clear that no progress was to be made. Further calls had been futile and should have been stopped. The judge had been right to characterise the calls as intimidation and they had been wholly unjustified. In respect of quantum, there was no possible ground for interfering with the judge’s assessment of damages.

 

Note:- it was said that over 500 calls to defendant were made in the space of 12 months.

 

quote the case to them?.

[tc5712]

http://www.bailii.org/ew/cases/EWCA/Civ/2013/882.html

 

Very interesting reading...

[BRIGADIER2JCS]

Yes it is and will be very useful, and has already been quoted in other cases.

[tc5712]

And here we have it, arrived today a letter that blatantly contradicts my wish (and right) to communicate only in writing.

 

I'm not going to get into a bout of letter tennis with these buffoons. Can someone please remind me the section of which act refers to harassment & I'll fire off a tracked email also quoting Roberts v Bank of Scotland.

 

TIA

[BRIGADIER2JCS]

Dear Crapquest,

 

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 Crapquest to the recent Appeal Court Case Roberts -v Bank of Scotland June 2013 and the findings of their Lordships regarding telephone harassment.

 

Perhaps Crapquests Compliance Department should read, mark and LEARN!!

[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

Edited August 31, 2013 by tc5712
Forgot a closed bracket!

[BRIGADIER2JCS]

Spot on!! Keep me posted on the response please!

[tc5712]

Spot on!! Keep me posted on the response please!

 

Not much of a response BRIGADIER! But a response nonetheless and they have taken our points on board I hope!

[BRIGADIER2JCS]

We can but hope tc:!:

[tc5712]

Just checked my noodle credit file today with surprising results. No mention of Lloyds or capquest, just this:

[BRIGADIER2JCS]

Good, it would be wise to check one of the main agencies as well Noddlle and its parent Call Credit are not always used by all creditors.

[tc5712]

Hmmm, so it seems they have bought it.

 

Where do I stand now?

 

TIA

[dx100uk]

seems like crapest have purchased a whole phishing list of them

 

and are sending out this letter

is a speculative manner to all of those on this list

 

to see if they can spoof you into contacting them.

 

http://www.consumeractiongroup.co.uk...-Viewing)-nbsp

[intend]

No paperwork no pay no matter who owns.

[tc5712]

seems like crapest have purchased a whole phishing list of them

 

and are sending out this letter

is a speculative manner to all of those on this list

 

to see if they can spoof you into contacting them.

 

Not fishing I'm afraid dx, that scan is from a credit report I received today. As you can see it's on there

[intend]

Think dx is referring to the fact crapquest has bought a shed load of bad debts with no paperwork and are just phishing for gullible people to fleece. As you are on CAG I would not worry about this development.

[tc5712]

Think dx is referring to the fact crapquest has bought a shed load of bad debts with no paperwork and are just phishing for gullible people to fleece. As you are on CAG I would not worry about this development.

 

Thought as much, thanks for confirming guys!

[tc5712]

Just wondering. Now LTSB have sold this as confirmed by my credit file there is no way they can lasso back in to them?

 

Got a reasonable PPI payment due.

[dx100uk]

if itssold then it goes to you.

 

its not unknown for OC's to buy back debts mind

 

but not lloyds so far

 

dx

[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

 

Finally a response, no more calls and I don't intend to write so we'll see how long it takes them to get bored...

[BRIGADIER2JCS]

Nice one tc, keep us posted on progress please.

 

Brig.

[tc5712]

Here we go, another letter. Looks full of 'we will consider', 'may', 'random threats' etc.

 

Am I right to sit tight? (I have yet to CCA them. When I did with Moorcrap back in 2010 their reply was 'due to the age of this account our client is unable to provide'. Alas is it not statute barred yet.

 

Would welcome your thoughts?

 

TIA

 

TC

[dx100uk]

that's another of their std computer generate threat-o-grams

 

I've had three of those on the mrs debts this year alone

 

if you look at other threads where crapest are involved

you'll see they've had them too

nothing ever went anywhere.

 

dx

[tc5712]

Well, their last letter was warning me it was my last chance before court action now this one says it's my last chance before a doorstep visit!

 

Doesn't bother me but the Mrs is nervous...

[dx100uk]

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