L-TSB... Wescot... numerous other DCAs... and now Iqor!

[MorganaNK]

We had an agreement with Wescot...

made two payments and then they passed it on to another DCA...

who passed it on again...

wrote and complained to L-TSB;

asking how they expected someone to stick to a payment agreement if they kept selling the debt on...

 

 

they ignored us - twice!

 

 

Now the debt has moved on to Iqor.

.. who sent a threatogram

... not really bothered by it,

 

 

but after reading your article http://www.consumeractiongroup.co.uk/forum/content.php?840-Stop-your-bank-or-lender-breaching-their-instalment-agreement

 

 

can we use this?

 

Thanks

[BRIGADIER2JCS]

I doubt it has had any thing to do with LtTSB

for a while.

Have you checked on your credit files

to see who owns the debt??

When was was the last payment or

acknowledgment of this debt??

[citizenB]

I would say yes, if you have been attempting to maintain the payments and you keep having to change the payee.

 

Perhaps in the first instance you should start with an official complaint to LTSB, stating the situation as clearly as possible.

 

I am assuming that the account is just being passed on for collection and that no assignment has taken place - eg the selling of the account to a new owner.

 

You MUST ensure that they are aware you are making an official complaint because they are bound to comply within a timescale, whereas a letter not identified as such will be treated as a general enquiry and there is no time scale for those.

[BRIGADIER2JCS]

Check the credit files asap it will get nowhere

until we know who owns this debt.

[MorganaNK]

Thanks - I will check the credit files... the two payments were made (I think without crawling through the filing) last year... tried to make a third and Wescot told us that they were no longer responsible for the debt and to wait until we heard from X...

 

Feel like a performing seal with all the hoops we have to jump through!

 

Thanks again!

 

Hi; the account is still owned by L-TSB - so I wrote Iqor the same letter I wrote to three other DCA's "I wrote an official letter of complaint to your client on xx/xx/xxxx, they have received it, so until they treat me with some respect I won't be discussing this with you or anyone else" The letter of complaint was sent twice in 2010 and received twice... and yet the silence is deafening!

[Bazooka Boo]

Well, reciprocate the banks lazy attitude and ignore them.

In the meantime, get making as many complaints about LTSB and their corrupt practices and that of using deadbeat third party numpties to all you can think of.

[citizenB]

Hi; the account is still owned by L-TSB - so I wrote Iqor the same letter I wrote to three other DCA's "I wrote an official letter of complaint to your client on xx/xx/xxxx, they have received it, so until they treat me with some respect I won't be discussing this with you or anyone else" The letter of complaint was sent twice in 2010 and received twice... and yet the silence is deafening!

 

 

If you identified the letter as an official complaint, they have 8 weeks to respond. If they dont then you can use their silence (and the proof of receipts) as a final response from them and take your complaint to the the Financial Ombudsman

[MorganaNK]

Hi and thanks for all of the advice. We have now had a "You have failed to pay this overdue amount, if it is not at our office within seven days of this letter then we MAY obtain a county court judgement against you, send baliffs in for your goods, intercept your wages, sacrifice your firstborn etc etc..."

 

We have had zero response to our letter to L-TSB, and it seems as if the Iqor amoebas (sorry amoebas) cannot read... must get on with contacting the FO...

 

Do I write to Iqor and tell them that I have contacted the FO... what is the likelyhood of this threat-a-gram coming to fruition?

 

Have just referred it to the FO... BRING IT ON!!!

[citizenB]

No, you dont have to let Iqor know.. however, it sometimes works to see them off.. just send them a copy of your FOS complaint.. send it 2nd class post with a free proof of posting obtained from the Post office and keep the PoP with your correspondence..

[huggy41]

sacrifice your firstborn etc etc...

 

 

:lol:

[MorganaNK]

Well, the Financial Ombudsman doesn't see it our way... we are going to appeal

 

http://i1286.photobucket.com/albums/a602/MorganaNK01/OmbudsmanLetterjpg_zpsf5eb8985.jpg

 

http://i1286.photobucket.com/albums/a602/MorganaNK01/OmbudsmanLetter2jpg_zps79c4f400.jpg

[PGH7447]

I assume you included in your complaint that the reason no payments have been made is that ltsb and the dca's have played pass the parcel and that trying to set up a payment plan that you can keep to is nigh on impossible.

[MorganaNK]

Yep... doesn't seem to matter to them...

[Bazooka Boo]

Disappointing but not a great surprise unfortunately, not where the FOS is concerned.

[MorganaNK]

Hi; we appealed and we got shot down again... so later on today I will be sending them this:

 

I am in receipt of your letter dated the 26th October 2012 and, to be perfectly honest, I am not disappointed at your decision, but I am more than a little stunned at how you reached that conclusion.

 

An agreement was reached with Wescot Credit Services Limited on the 31st March 2010. As I have stated on previous occasions; they requested payment on a date when it wasn’t physically possible; and so the first payment was made on the 20th May 2010.

 

 

We then received a letter from Debt Managers on the 24th May 2010 stating that they now held the rights to collect on the debt.

After numerous and somewhat threatening communications from them I wrote to them informing them that we had an agreement with Wescot,

and when the next payment was due.

 

 

At this point we had received no notification from L-TSB that the debt had been moved to them;

we only had their threat-o-grams to prove it.

 

 

More threat-o-grams followed; and my mother (obviously to my mind) decided that she was not prepared to risk sending a payment to Wescot

if they were no longer collecting the debt.

 

 

I don’t know about you; but throwing £20 notes into the ether, not knowing where they are going

or if they will be credited against the account is not an action we were prepared to undertake (and still aren’t).

 

We wrote to L-TSB, asking them to please explain how someone was supposed to make payments against a debt when they were playing “musical debt collection agencies”

and weren’t following the proper procedure by notifying us of the change.

 

 

Anyone can ask for money; it doesn’t mean that they have a legal right to have it.

L-TSB completely ignored this letter; in fact the only letter we had from them was threatening legal action themselves!

 

By your response it appears that it is perfectly acceptable for banks and debt collection agencies to send out threat-o-grams,

ignore correspondence from people trying to do the right thing by asking for clarification; and expect people to negotiate on numerous occasions while throwing money in random directions in the hope that some of it sticks to and begins to clear their debt.

 

 

If this is true then I fear that there is no hope for the man on the street. We can never win; can we?

 

Please will you arrange for our case to be reviewed by the ombudsman as per the final paragraph in your letter.

 

Yours sincerely

[BRIGADIER2JCS]

At this point gather all the data you have resend and request that the matter is put before an Ombudsman for review, as you disagree with th adjudicators decision.

[PGH7447]

like it. will be interesting to see what response you get, maybe its time to involve the press or some other organisation that would highlight how useless this system is

[MorganaNK]

Letter sent, with a few minor tweaks (I told her that I want all evidentiary correspondence to be passed to the ombudsman for review)... will see what happens... which I am sure will be a big fat zero!

 

[MorganaNK]

Case has been passed to an ombudsman for review.

.. and funnily enough the debt has been passed back to Wescot.

.. and they are threatening legal action!

 

 

Emailed them a "being investigated so kiss my xxx" using a disposable email to both their addresses

and a hard copy in the mail (do I need a proof of posting for this?).

 

 

.. FOS called and asked if we had contacted them as I have been forwarding on all correspondence received to be added to the file...

 

[citizenB]

It is in your interest to obtain at the very least a Free proof of posting for any letter sent to a creditor/DCA.

[MorganaNK]

Thanks - will go and do that

[MorganaNK]

Wescot have written today asking why they have not heard anything from us with regard to the debt and the ombudsman. That could quite possibly be because we haven't heard word one from the ombudsman... do I have to reply to them.

 

On a side note - the place I work at has been receiving recorded messages for an ex member of staff to call Wescot - I took great delight in calling them back today to inform them that the ex employee has done a runner back to Morocco!!!

[citizenB]

As they have been threatening litigation - I think you do need to respond.

 

Just a quick word advising that the complaint is still with the Ombudsman - Ref 1234567 - if they want any further information, they should contact the Ombudsman.

[MorganaNK]

We have the ombudsman's response and they have not found in our favour. We have to sign a form saying whether or not we accept the decision, and if we don't then neither party will be bound by it. The finding are as follows:

 

I have considered all that XXX and L-TSB have said and provided, in order to decide what is fair and reasonable in this complaint.

 

While the debt remains outstanding L-TSB is entitled to instruct different recovery agents. The delay in making payments following the agreement with Wescot was unfortunate because it resulted in Debt Managers being instructed which understandably cause XXX some confusion. But I do not consider this merits an award of compensation.

I understand that XXX has not made any payments since May 2010. I urge XXX and L-TSB (through its agent) to work together to agree a mutally acceptable payment plan. If XXX is experiencing financial difficulties, I remind L-TSB of its responsibility to respond positively and sympathetically.

 

I am currently spitting feathers at this because they seem to have completely ignored the whole point of us contacting them; and that was because we had an agreement with Wescot, we couldn't pay on the date Wescot wanted because we didn't have the money then, we made the payment on the date the money was available to us; they moved the debt on, first to Debt Managers and then to others. We were not prepared to "throw money into the ether and hope that it stuck to the account"... we wanted L-TSB to stop playing "musical debt collection agencies" so that we could make the payments to one company and know that the payments were going to clear the debt... is that unreasonable???

 

Any ideas on where I can go from here. Obviously I am not going to accept the decision; and I want to write to the ombudsman and tell them exactly what I think of them... but as they have ignored and misunderstood what I have already said *throws hands in the air in frustration*

 

All help will be gratefully received

 

Thanks

 

Mo

[Old Cogger]

You do NOT have to sign the form that they sent you, Do as I did do not ,send response to their idiotic comments. . leave it at that.

 

Their responses are getting more and more Template d with minor adjustments, gone is the Individual dealings.

 

Shows another waste of time area of responsibility. = Utter Contempt of this cover up service.