solojedi and LTSB

[solojedi]

Dear Mr *****

 

Thank you for your recent payment.

 

Unfortunately we are unable to accept this payment as you have requested documents for an account we do not manage, please find the cheque enclosed.

 

If you do require documentation for a Loan Account, please confirm the loan agreement number and return the cheque to be represented. Cheques should be made payable to Lloyds TSB a/c HPES.

 

If you have any queries about this, or any other matter, please do get in touch with us.

 

....

 

 

I am not sure if they are trying to confuse me but the reference i sent was stated on the SCM letter and i sent a postal order and not a cheque that they have returned back. Should i send a second CCA request letter or send them further information?

 

I assume they have some record as they have been forwarded the request from SCM?

 

Any help would be most appreciated

 

Thank you

[Guest]

sol

maybe best to start a separate thread re your case

[citizenB]

solojedi.. what exactly are you attempting to obtain from SCM ?

 

If it is a Subject Access Request or CCA1974 request then these do indeed require to go to the actual creditor.. Which I am assuming is LTSB in this instance.

[solojedi]

Hi -

 

Thanks for the quick replies

 

Ford - I will start a new thread

 

Citizen - I am not sure what the difference is between the 2 but i am trying to get a copy of my credit agreement under the consumer credit act 1974

 

sorry if the last post was a bit confusing - just found the thread in google and wanted to share my experience and looking for a bit of help....

 

All the best!!

[citizenB]

No problem..

 

Right, well a Subject Access request entitles you to ALL the information that the company holds on you with respect ot your financial relationship with them - sometimes they will even provide the agreement. This is called a DPA 1998 Subject Access request. They have 40 calendar days to comply with the request. You need to send £10.00 with the request.

 

CCA1974 request is a request for just a copy of the agreement, a statement of account and also any terms and conditions.. both from inception and current. They have 20 working days to comply with this request and it will cost you £1.00.

 

You should send your request to the original creditor and always post these requests via a tracked method of posting.. either Special or recorded delivery.

 

HTH

 

I will move these posts to a thread of your own and send you a link.

[solojedi]

Thank you for your reply Citizen and for kindly offering to move the thread, i will look out for the link.

 

I have sent CAA1974 request and have not heard from LTSB. I have been looking for a CCA second letter template but have not been able to find anything as of yet. Would you know where I might be able to get one from?

 

Thanks again

[Guest]

sol

at what stage is this at? arrears/default or litigation?

[solojedi]

Ford - The accounts is in default and I am being threatened with a Notice of Intention County Court Proceedings

[Guest]

ps, you said that they returned the fee to you. just resend the cca request to loyds (rather than scm) with the £1 fee. also consider doing a sar also. any missold ppi/charges? statute barred?

[Guest]

.........Notice of Intention County Court Proceedings

 

is that from a debt collection agency by chance?

[solojedi]

The letter was sent to SCM but the reply was from Lloyds TSB with a copy of my letter enclosed...I can resend it to them but as the 12 days have passed now thats why I wanted to send the second letter. Do you have a template letter for a SAR by any chance?

I would need to check the agreement to confirm if it included PPI.

 

Thanks

[solojedi]

They are solicitors

[Guest]

They are solicitors

 

i know scm are sols. but, you said that loyds said that they do not manage the account requested? has it been sold to a dca? and that there may be a loan account? is this separate/different?

fuller details needed sol

[solojedi]

Sorry Ford - Yes Lloyds did say they do not manage the account but did not mention who does or if it was sold. I originally had a loan and credit card with Lloyds both accounts where passed to BLS. I assumed that SCM where solicitors/dca's working on behalf of Lloyds so wrote to them directly. I do remember I received letter from BLS collections based in Oxford in 2011 regarding the same debt but then starting receiving letters from SCM.

[Guest]

yes, scm are loyds inhouse sols (and bls are loyds inhouse dca). when you did the cca request which a/c did you state? cr card or loan. it looks as if it was the former, of which they no longer manage. but, they still have the loan account.

[solojedi]

I stated the reference number scm solictors stated on their letter. Based on the amount they where requesting I did think it was the full amount for both the credit card and loan. If Lloyds no longer manage it does it mean it's back with BLS or sold to someone else whom i am yet to hear from? Would the loan have come back to them from BLS , is it best to send a letter for a SAR ?

 

Thanks for all your help

[Guest]

ok. difficult to suggest what's happened without fuller details. if they don't manage an a/c that they once did, then it's prob gone to an external dca? but then you should've received some notice of this? maybe the reference number you gave confused them?

a suggestion; do a cca request for each account to loyds. see what they come back with. also, do a sar for all the data they hold. there is a template letter on cag for a sar. the 'notice of intended litigation' you mention sounds like a typical dca threatogram, and not an actual letter before claim. but you never know with that lot!

Edited April 13, 2012 by Ford

[solojedi]

Ok I will send a CCA letter for both the accounts directly to lloyds and a SAR - I will have a look to see if I can find a template for a SAR on here - will keep you posted - thanks again

[Guest]

there is a template in the debt library, edit it to suit.

[citizenB]

Hi solojedi. I think I am now understanding what is happening..

 

You have received a letter from SCM which threatens litigation.. yes ?

 

In that letter, they surely must say who their client is .. are you able to scan the letter from SCM and then post it up for us to have a look at.

 

Instructions for doing so are below, courtesy of dx100uk

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

Once we have established who owns the account we can then advise you further