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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Lloyds TSB and Westcott


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Hi hope someone can help

 

I have an ongoing proplem with Lloyds TSB over a loan and PPI.

 

In the region of 5 years ago I began to have problems with my hands wrists and shoulder which resulted in several operations and I was unable to work.

This is still the position.

 

I continued to make payments however things became difficult and I made contact with Lloyds TSB to explain the situation and was made aware that I had PPI.

 

I at this time had no idea that this was in position and as a result of a conversation with the bank began to claim for my time off work.

This continued for three years and ended in February 2010 when I was told that payments would stop.

 

However I was still undergoing further operations and was unable to work.

 

I then began to get letters from the bank and each and every month I wrote them a letter asking them to make contact with me in order to discuss the matter

and I had no response from them from February 2010 until November 2010 when contact was made and

 

I made an appointment to see my banking advisor who after a short discussion said that my papers would be sent to various departments for them to investigate the matter.

All of the previous letters were either sent recorded delivery or hand delivered against signature.

She was made fully aware that at that time I was still unable to work and would not be able to work in the near future.

 

I then heard nothing for weeks and weeks and then various letter arrived from Wales and Bristol stating that their office was investigating etc etc etc.

It culminated in a latter in July 2011 stating that this whole episode was not there fault and that I was frightened to go into the bank to see the advisor

and if I did not respond to the letter they would view the matter as finished.

 

A reply was sent which again received no response from anyone but in January 2012

I was sent a letter by Wescot Debt Collectors who I am sure you will know, demanding monies I owe to Lloyds Bank.

 

I replied to them stating that I would afford them one reply and that I would not be paying any money to them or their client until the matter had been investigated in a proper manner.

 

I then received a second letter which, against what I had said above,

and I responded to it reiterating what I had said in my previous letter that I would not pay them any money at all

and I also informed them that contrary to what they had said the matter was in dispute.

 

I have now had another leter stating that they will investigate this matter and they will be contacting there client and ME for further information.

 

Although it is long winded my main question at this stage is

' Do I have to assist Wescot' a debt collection agency at all.

I also find it strange that Lloyds TSB have sent this matter to a debt collecting agency.

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so do i

they sold it on

 

these fleecers have brought it on a phishing list

 

its for THEM to conclude you [don't] owe the money

 

they are a dca they have NO LEGAL POWERS

 

ignore them totally

 

if you really want to get upi peoples noses

 

there is no reason why you cannot reclaim the PPI too

 

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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Thread moved and title changed slightly

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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

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5. Feel Bullied by Creditors or Debt Collectors?

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6. Staying Calm About Debt

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7. Thinking of a Full & Final Settlement?

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