Hippy V Lloyds mastercard debt

[Happyhippy1959]

Hi Guy's and Girls

 

Just through the post this morning. Have been in contact with Lloyd's by mail to tell them off me circumstances. Have paid me token payment last month and set up SO.

 

This was the last of my creditors, I struggled to pay them at the time but in the end it was a futile battle. Only £900 owed.

 

I don't wish to contact Lloyd's by phone so I am willing to let them contact me. My £1.00 was received and credited to my account but they did no acknowledge any of my two letters with my I&E form in them.

 

Question.

 

Should I write to these Jackals or just leave it. No way am I phoning Lloyd's. Should I drop a recorded letter again to Lloyd's.??

 

Await as always your excellent advice.

Lloyds.pdf

Edited May 11, 2011 by Happyhippy1959

[brokebutnotbeatn]

Let it rest now and see what comes next. You have set up the SO which demonstrates willingness to pay and they have credited your account with the first £1 payment.

[Happyhippy1959]

Thanks broke, sort of edging that way in me thoughts... otherwise letter ping pong

[harrassed senior]

Was their any PPI or charges in that £900?

[Happyhippy1959]

No HS, Will sit tight and see what comes. Let it go to a DCA as Lloyds have not had the decency to reply.

[cashins]

No HS, Will sit tight and see what comes. Let it go to a DCA as Lloyds have not had the decency to reply.

 

Well, they have for a long time been the unlistening bank.

 

David

[Guest]

No HS, Will sit tight and see what comes. Let it go to a DCA as Lloyds have not had the decency to reply.

 

if they don't do anything re your letter, the a/c will prob go to their 'internal' dc a's (mha then bls collections) first.

imo

Edited May 13, 2011 by Ford
typo

[Bazooka Boo]

SCM pah! That missive is class, "Your account still remains out of order" Well give it a damn good rollocking then!!!!

 

Is that letter demanding the full outstanding balance?

If so then they have terminated the agreement, and the agreement now no longer exists therefore they cannot continue to add interest OR charges to the account.

[theghost]

If I am reading your post correctly you owe Lloyds a debt and have set up a payment plan. In the meantime you have been contacted by these debt collectors?

 

 

If it was me I would cc a letter to both Lloyds and the DCA explaining the situation and hope Lloyds call off the DCA. The DCA will just blame Lloyds if they have sent them on a wild goose chase.

[Bazooka Boo]

SCM is Lloyds, just their in house tame collection arm.

[Guest]

hippy

that scm letter in your first post is their auto generated template letter that follows an 'unpaid' def notice.

imo

[Happyhippy1959]

ok guy's thanks for your help and suggestions. been on three long working day's so only just hit the computer.

 

Yes I told Lloyds that the token payment was all I could afford and all my other creditors were accepting my financial situation. I WILL SIT BACK AND WAIT FOR NEXT ACTION ME THINKS.

[Happyhippy1959]

Ok guy's and girls, statement from lloyds today with Hippy's £1.00 showing, no interest charged but a interesting little letter enclosed. Does anyone know these fools MHA Collections ??????

 

there having a laugh if they think I am going to ring them, lloyds have been informed WRITING only... Should be fun because those fools Lloyds rang my Ward on an Emergency ambulance number heee

 

so I bet your bottom dollar MHA will try the same,,, see a nasty legal letter going there way....

Lloyds.pdf

Edited June 9, 2011 by Happyhippy1959

[Happyhippy1959]

Agh

 

The Hippy is enlighten, they are in house collectors for Lloyds TSB, shall I be cheeky and ask them to write off my £1,000 as I a tax payer have been bailing them out.

 

Now reading through these I find they are quick to offer a discount on the grounds it seems they have no CCA,,,, will await the arrival of the letter.

[Bazooka Boo]

Yes they are Lloyds, the phone number gives it away, but once you ring it, then the same recorded female voice is a dead giveaway!

[Series3]

Hippy...

 

the pdf att in your first post still has your acc number in the box...

better to remove/edit..

[Series3]

SCM pah! That missive is class, "Your account still remains out of order" Well give it a damn good rollocking then!!!!

Is that letter demanding the full outstanding balance?

If so then they have terminated the agreement, and the agreement now no longer exists therefore they cannot continue to add interest OR charges to the account.[/QUOTE]

 

 

Is this correct?

My other half has just received the same letter from scm

she had been paying £1 token payment to Lloyds that they excepted, well they did stop interest and charges.

sorry to hijack..I'll start another thread..

 

thanks

 

series3

[Guest]

Hippy...

 

the pdf att in your first post still has your acc number in the box...

better to remove/edit..

 

good spot.

 

hippy - their template bls collections headed letters will prob be next after a couple of template letters from mha.

imo

[silverfox1961]

attachment unapproved

[Happyhippy1959]

Thanks guy's,, I await the next missive. And silly Hippy,, have just noticed account number on there still.. how do I get rid of that, maybe a bit late now..!!!!!!!!!!!!!!!!!

[HardYards]

Subbing... I'd like to see how you get on, Hippy... or do I call you Happy?

 

BTW just also want to say I think hospital staff are heroes, very admirable to do what you do and still manage in your free time to deal with these (I thought I was the only person who called them) JACKALS!

 

All best

H.x