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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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OH's Old Lloyds Loan - prob SB'd


penmarine

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Yes Brig same people same location.

 

Solicitors for rent to DCAs

Was the PPI a single premium payment added to the balance?

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Yes it was, the PPI is all sorted and paid, I'm just wanting to deal with LTSB on behalf of the long haired colonel and not these people. Just wondering if anyone has had dealings with them and what is the best course of action; as I cannot find the way ahead at the moment with getting it back to the OC.

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If the account has been sold to IQOR then reverting to LSTB is not going to happen easily.

 

Write to the Compliance Manager at IQOR

 

ref: as on their letter.

 

Dear Sir or Madam,

 

I refer to the alleged debt for £xxxxx for which no liability or obligation is acknowledged, I require you to confirm within 72 hours the legal ownership of the alleged debt, until this information is received no further correspondence can be entered into.

 

I also remind you that all communication MUST be in writting, telephone calls, |SMS text messages or e-mails are not acceptable.

 

Get that off RD asap.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Not sure #2 is correct.

If you are successful in a ppi claim then the account should be put back into the state it would be in without the ppi and the interest you paid on the ppi portion then refunded to you in the form of a cheque.

The account cannot remain the same balance as you would still be paying interest on the ppi part of the debt if that were the case.

you should SAR Loyds and get under the skin of what they have actually done (or not) so you can get to a true balance.

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  • 3 years later...

Hi Caggers

I know its been a long time since my last post as I've actually been batting off DCAs for the last few years, increasing my toilet roll stock and sort of getting our credit files back on track.

However the wife got a letter from Judge and Preistley, bottom feeders for 1st Credit saying they would like £6500+ for the old LTSB loan which was in dispute from Nov 2010 (this was the last payment date but I very much doubt they could prove this) and as far as I'm concerned the loan is still in dispute.

My query is do I just ignore them like I have all the other companies begging for money on this disputed account?

Also the loan doesn't show on my wife credit file anywhere at all across the 3 CRAs are these jokers just waiting for me to write to them as they "may" issue court proceedings as its going to turn SB in Nov 16?

I'm just inclined to ignore but the wife is getting itchy feet and wants to send a SB letter.

Cheers PM

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you know it is probably not SB so dont send that letter.

I would suggest waiting to see if they send another letter as they may well be just testing the waters to see if you bite.

Should you get one then send a CCA request and see what they come up with.

They cant go much further without satisfying that request and I bet that the original paperwork is long gone so will take an age to come up with anything at all.

(annual statements, NOA's etc)

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If Lloyds failed to satisfy your dispute with them, then I would say that you're pretty safe to ignore the phishing letter.

 

If Lloyds wanted this money then they would have acted a lot sooner than this.

 

Has this been sold?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • dx100uk changed the title to Lloyds OH's loan & AIC& Rway - Account Balance Following PPI Refund
  • 4 years later...

The OH had letter from Resolvecall regarding a very old LTSB debt at the start of the month.

Knowing it was SB, I sent off the SB letter to Intrum who owns the debt.

They responded to the OH last week when I was away.

They said speak to Resolvecall and the standard letter, we'll pop to your house malarkey....

Just ignore as Intrum own the debt and from the looks of it have ignored the SB letter?

The OH gets twitchy with these things,

thanks PM.

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  • dx100uk changed the title to OH's Very old SB LTSB debt now with Intrum/Resolvecall

let 'em get on with it.

they nor you have actually read what consequences under CONC mentioned in our SB letter mean under the law.

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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is this her old loan?

 

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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must be i've merged it and updated the title 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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  • dx100uk changed the title to OH's Old Lloyds Loan - prob SB'd

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