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Lloyds TSB/Moorcroft/Midas - now cabot


huppelkutje
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its christmas!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I hope you had a good Christmas!

Thank you for taking the time to reply to me!

 

My mum is feeling more reassured but she's still getting constant phonecalls from the DCA's.

I think I'm going to buy that Truecall for her.

 

I wish Lloyds would hurry up, grrrr.

I bet they leave it til the 40th day.

 

My mum has had 2 accounts with JD Wilson,

the first one shows about 12 late payments and the recent one has 3.

I don't understand why if people can reclaim the charges,

the companies are still charging the same amounts?!

 

Can fees on mortgages also be reclaimed?

I see there are quite a few late payments showing although it has been settled now.

 

I logged back into the Experian report and the score has gone down by 29 although I can't see any differences in the actual report.

 

New year, new start.

Thanks again for all your help we really appreciate it,

we really wouldn't have known what to do if it wasn't for this site :-)

Edited by dx100uk
spacing

:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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no worries

 

yep ALL unlawful fees on anything can br gotten back inc mortgage fees too.

 

dont 'just' focus on late/over either

 

look for debt advice fees/dd failure fees/letter/phone

 

mostly anything these people can 'ge away' with charging they will

 

i've even seen 'charge for internal phone call to legal dept' - fee'

on JD williams stuff.

 

dont forget int at THEIR RATE too on all of them

from date of fee to date of claim.

 

they are a 'penalty' charge - get them back!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Still nothing back from the SAR.

A company called Debt Management Ltd in Edinburgh rang last week threatening my mum with court and bailiffs

I've just had another look at her credit file online and Westcot did a credit check a few days ago.

I don't know what's going on here.

Can Westcot do a credit check without consent?

 

It looks like the defaults appeared around the time I advised her to stop paying the DCA's and I'm getting worried now.

Would it not have been better to keep paying the pound a week per account, even if it was to a DCA and not Lloyds?

It just seems like things are getting worse.

 

Would it be an idea to send a letter before action?

Or is that too drastic?

 

Obviously if they still don't send the info then we would have to follow up with court action which is rather daunting.

However I'm aware that complaining to the Information Commissioner is probably not going to get us anywhere fast.

Edited by dx100uk
merge

:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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nope never ever call or answer the phone to a dca

 

tell her to put the phone down!!!

 

they have no legal powers to do anything to her

its all threats.

 

they are not the owners they cannot instigate court proceedings

 

they cannot send bailiffs either

 

totally ignore them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok thanks,

I did tell her before not to speak to them (arghhh!) but I think these guys were pretty sneaky to start with to get a conversation going.

Should we send the letter before action to Lloyds?

Edited by dx100uk
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:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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the sar is not due for 40 days since the 28th?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

SAR was sent recorded on 15th November.

We got a reply around the 10th Dec saying they weren't willing to send documents as the letter had an electronic signature but it could be sent to a local branch.

We ticked the box to collect from a local branch and sent that back recorded.

Edited by dx100uk
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:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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sri must have understood wrong

 

send the failure to comply letter from the library tip left green tab.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Phew thank goodness I thought I'd just embarassed myself with my bad counting :oops:.

Thanks for the reply.

 

Should we use template 3

(I think I'm in the right place but I really struggle to navigate the library section!)

We have had a response but have had no info yet.

 

"You have failed to comply with my Data Protection Act Subject access requestlink3.gif dated (Insert Date).

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice."

:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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that'll do

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Well we got a reply from Lloyds about picking the info up from a branch on the same day that we sent that letter!

Giving their own date by which they had to comply as being in February.

 

They said they'd make a start on collecting the information.

Bizarrely enough 3 days after that mum received 2 pages of statements from one of the accounts in the post

(even though they previously said they weren't willing to send these to her house!).

Didn't show any fees, just payments each month and interest added.

It did show that as the set payments were going out each month,

the interest added was getting higher and higher.

 

Stranger still she received a letter today regarding her PPI claim (she hasn't made one yet!), offering her over £6000 as a "final response".

It's based on 3 loans, 2 settled and the one that's in default.

 

The most recent one (defaulted) an "early settlement difference" of over £2000 in the calculations,

does this prove the debt has been sold on because my mum definitely didn't pay this off early.

Can she still accept this money even though the account is in default?

 

Obviously this is a MASSIVE amount and almost seems too good to be true.

I don't trust Lloyds.

 

Could they owe her even more,

and have sent this to us quickly before we receive the SAR so we'll accept without questioning?

Am I just paranoid :|

Edited by dx100uk
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:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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i would not trust lloyds asa far as i could kick them

 

have they given their figures/calcs?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

The amount for the first loan is a straight refund of premium plus 8% interest.

 

The second is a refund, 8% interest, plus 'excess balance and interest' of around £100.

 

The third loan has calcs for refund,

early settlement difference,

8% interest,

'other indirect losses',

'previously accepted claim'

(a minus amount) and

'excess balance and interest'.

 

As far as I can gather the previously accepted claim amount is for the month that the insurance paid out when she was out of work.

After which she was told she was no longer covered due to her age!

Edited by dx100uk
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:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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might be better if you post it up please:

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ok I think I've managed it...

Is it ok to leave ALL the figures and dates on?

I presume Lloyds trawl this forum too :sad:

 

It came out quite large at around 2MB,

I can resize the pics and convert again if need be

ppi1_merged.pdf

:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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no thats ok

and as for lloyds trawling CAG

 

 

GOOD they know what we think of them and how they were very 'ecconomical' wit their refunds.

 

they are getting better though

 

i'll ping someone to look.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi

 

Dropping in as requested by dx.

 

Have reviewed the thread going to look at the PDFs now.

 

Back later

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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Ok

 

This is one of the better laid out offers from Lloyds...quite easy to follow and I note that they say they have calculated interest up to Feb 2012.

 

Could be worth checking the figures though.

 

Do you have the agreements (or copies of them) and statements?

 

Have you received the SAR stuff yet?

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thank you for taking the time to have a look!

 

Yes I thought it was good they'd calculated the interest up to Feb.

We haven't (can't find) the original agreements and haven't received the SAR info except for what looks like a condensed statement for one of the loans.

I can scan that if it's any use?

Edited by huppelkutje

:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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Might be a starting point so yes if you could please.

 

I fear we may need to wait for the SAR stuff before we get something to work on.

 

Regards

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Okey dokey I shall attempt to attach the statement scan, apologies if it's too small this time!

 

This is from the most recent loan;

the only info I have from the 2nd loan is what is listed in the credit report, which shows as £186 per month at 60 months.

Settled and with no missed payments.

The oldest loan isn't shown in the credit report.

 

We sent a letter before action nearly a week ago saying that if we didn't receive the SAR data within 7 days we'd take out a court order against them.

I assume they're going to ignore it.

Obviously I don't want to threaten them with court and then not do it!

Should I report to the ICO first before starting court action?

 

Do we need to use the N1 claim form?

Can't find an awful lot of info about this online.

I think most people assume it won't reach that stage but I'd rather be prepared!

lloyds statement (loan) p1 jan 19th_merged.pdf

Edited by dx100uk
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:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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Hi

 

From the statement you have posted, your total loan was £9833.15 (£7574.42 + £2258.73). The ppi percentage of the total loan is 22.97% (£2258.73/£9833.15 x 100).

 

So 22.97% of every repayment you made went towards the ppi part of the loan.

 

You can use the attached spreadsheet to work out what interest you should get back. Just follow the notes contained in the spreadsheet. If you haven't got all of the statements you will need to wait for the SAR information.

 

There is a thread here somewhere about a successful court action to force compliance...when I find it I'll post up the link.

 

ims

 

StatIntSheet v101.xls

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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