Little Help

[iana]

I have been having a problem with Lloyds TSB over mis-selling of PPI

 

this has involved

numerous letter to them and complaints

which as to be expected are all unfounded as far as they are concerned

 

However they did claim that the mis-selling of the PPI would be investigated and I would be contacted by the office dealing.

 

I have had no reply to this or anything else from Lloyds TSB since June 2011 apart from a letter stating that the matter is being handled by Wescot Credit Services.

 

I have now started to receive letters from them

the most recent being that they will visit my address,

 

this does not particularly worry me as I have informed them they will have one chance to walk off my property.

 

I find it difficult to understand why Lloyds TSB have handed this to them

and would you think that they have sold this debt to Westcot

[dx100uk]

probably as a toxic debt RE:a lemon.

 

what does your cra file say?

 

dx

[rdm2006]

does your letter say we have purchased the debt or we are collecting on behalf of our clients???

[Guest]

looks like they have sent it out for collection despite your ppi concerns. you say that they see your complaint as unfounded, have they sent a final response re your ppi complaint? if so, they prob won't correspond further on that. would then need to go to fos. but, could complain to loyds to ppi complaints, bx1 1lt anyway.

Edited May 7, 2012 by Ford

[havinastella]

What letters have you sent and what replies have you received.

 

Can you post them all up here on a pdf file, so we can see where you are!

 

Jogs

[dx100uk]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

.

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

.

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

.

.

dx

[the_shadow]

I have been having a problem with Lloyds TSB over mis-selling of PPI

 

this has involved

numerous letter to them and complaints

which as to be expected are all unfounded as far as they are concerned

 

However they did claim that the mis-selling of the PPI would be investigated and I would be contacted by the office dealing.

 

I have had no reply to this or anything else from Lloyds TSB since June 2011 apart from a letter stating that the matter is being handled by Wescot Credit Services.

 

They clearly are not taking the PPI complaint seriously, if you've not had the final response from them then after an 8 week period you are entitled to go direct to the FOS and complain, or if you are confident of the mis-selling you could issue court proceedings.

 

I have now started to receive letters from them

the most recent being that they will visit my address,

 

this does not particularly worry me as I have informed them they will have one chance to walk off my property.

 

I find it difficult to understand why Lloyds TSB have handed this to them

and would you think that they have sold this debt to Westcot

 

 

You COULD write back stating the account is in dispute in regards mis-selling of PPI and to butt out or you could just ignore, if they are just collecting on Lloyds behalf then they'll just pass it back if they get no joy. If they have purchased the debt then thats naughty as clearly some unresolved issues, against the new debt sales guidelines so worth a complaint to both Lloyds and Westcot with copies sent to the FOS imho for reference imho.

 

S.