Jump to content


  • Tweets

  • Posts

    • Post the NTK up here for the regulars to double-check. I highly doubt it's compliant with POFA though. Ignore the deforestation that comes unless it's ever a letter of claim. Any luck with the organ grinder?
    • Probably the case @lookinforinfo Also an update, I've got the registered keeper letter. Just to check that I continue to ignore it until PAP letter comes in?
    • Thanks very much Bank. I've now done a lot of reading and have drafted my Letter of Claim as attached. I look forward to your comments. 16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf
    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
    • hit letter of claim follow post 2 despite repeated requests, the claimant has failed to produce any enforceable paperwork.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Complex Debt Situation


DennisTheDog
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4137 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 68
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

totally agree

 

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... 

Link to post
Share on other sites

Unless is to make a formal complaint, do not make any contact with Apex or the bank.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 2 weeks later...

A few weeks ago, I put in a PPI complaint in against lloydsTSB, MBNA and Santander. LLoyds and MBNA have confirmed the reciept of the complaint and are looking into it. Santander have not even replied.

 

It seems to have set the cat among the pigeons at Lloyds TSB credit card department;

 

today I got this letter dated October 2012 - With No date.

 

From 1 January 2013 we're changing your credit card agreement with us and adding a new condition to

your existing lerms and conditions.

 

It's important we tell you about this change as your credit card account is currently in default and there's

still a balance owing -although you may have a repayment plan in place with us to reduce this.

 

We've included the new condition below for you to read.

 

New Condition -15.8

 

If we owe you any money in connection with any transactions,

interest or charges on your account

we may use that money to reduce any arrears you owe under this agreement.

 

If we intend to do this we will tell you when we offer to make a payment to you.

 

We will also follow any relevant guidance in a Code of Practice that applies to us, or as required by our regulator or another similar body.

 

There's no need for you to do anything else, but if you would like more informotian an this change, you

can call us an 0845 600 4580.

 

Yous Sincerely

 

Mark Powys

 

Head of LLoyds TSB Credit Cards

 

 

Can they just arbitrarily do this?

 

I have other creditors

 

A couple of years ago I asked them for a signed copy of my credit agreement - over a dispute about a car I'd bought on it and they would not support me against the Garage who sold it me - and they said they had not got one. So how can they change the game like this?

 

Any one who could advise me on this I would be very grateful.

Link to post
Share on other sites

Hi Dennis, my guess is that they are trying to limit any repayment off PPI if your claim succeeds they will offset against the balance.

 

Maybe a letter to their compliance department stating that they have already informed you that they do not have an agreement therefore they cannot amend it.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi Dennis, my guess is that they are trying to limit any repayment off PPI if your claim succeeds they will offset against the balance.

 

Maybe a letter to their compliance department stating that they have already informed you that they do not have an agreement therefore they cannot amend it.

 

The PPi claim was against a loan I took out with them, not the credit card, I thought that the card and other sections were separate. Also if they were to change things in other ways - like a change to the interest or minimum payment percentage - they had to give me the opportunity to close the account and pay off the balance according to the old conditions. Does that change because I'm in default?

Link to post
Share on other sites

  • 2 weeks later...

Hi there, I have had a 2 letters in one from LloydsTSB concerning the credit card,1st one with the Lloyds letter head goes

 

As we haven't been able to agree a suitable repayment plan we've transferred your LTSB Credit Card Account to a

debt collection agency, Apex Credit Management Limited. We've instructed Apex Credit Management Limited to

arrange collection of the outstanding amount.

 

The second one - in the same envelope -with the Apex letter head goes

 

Apex Credit Management has received instructions from our client, Lloyds Banking Group, regarding your above 5

account. Our role is to act as an intermediary between you and them to ensure that the debt is repaid

 

Is this a formal notice of assignment?

Link to post
Share on other sites

'assignment' re collection, yes. assignment re a sale, no. ie is still with loyds but now externally out for 'collection'.

 

 

Thanks. their language is so confusing. You see on my overdraft they stopped me paying into my account and Apex wrote to me.I'm a bit confused by all this.

Link to post
Share on other sites

looks like cred card matter has also gone to apex.

an o/d wouldn't involve an agreement like that with a cred card, but should involve an o/d facility letter instead. unless o/d is after feb 2011 in which case there are further new requirements re an o/d

that 'new condition' you mentioned seems to be their standard variation attempt to ensure that things like any ppi repayments for eg are paid towards any outstanding debt.

Edited by Ford
Link to post
Share on other sites

A few weeks ago, I put in a PPI complaint in against lloydsTSB, MBNA and Santander. LLoyds and MBNA have confirmed the reciept of the complaint and are looking into it. Santander have not even replied.

 

It seems to have set the cat among the pigeons at Lloyds TSB credit card department;

 

today I got this letter dated October 2012 - With No date.

 

From 1 January 2013 we're changing your credit card agreement with us and adding a new condition to

your existing lerms and conditions.

 

It's important we tell you about this change as your credit card account is currently in default and there's

still a balance owing -although you may have a repayment plan in place with us to reduce this.

 

We've included the new condition below for you to read.

 

New Condition -15.8

 

If we owe you any money in connection with any transactions,

interest or charges on your account

 

we may use that money to reduce any arrears you owe under this agreement.

 

If we intend to do this we will tell you when we offer to make a payment to you.

 

We will also follow any relevant guidance in a Code of Practice that applies to us, or as required by our regulator or another similar body.

 

There's no need for you to do anything else, but if you would like more informotian an this change, you

can call us an 0845 600 4580.

 

Yous Sincerely

 

Mark Powys

 

Head of LLoyds TSB Credit Cards

 

 

Can they just arbitrarily do this?

 

I have other creditors

 

A couple of years ago I asked them for a signed copy of my credit agreement - over a dispute about a car I'd bought on it and they would not support me against the Garage who sold it me - and they said they had not got one. So how can they change the game like this?

 

Any one who could advise me on this I would be very grateful.

 

thats a std letter to EVERYONE that holds multiple accounts with LLoyds TSB

 

i've got three here.

 

in effect, nothing has changed

 

they always could offset upon debts within the 'group'

 

as long as the accounts that are in debt are SOLD

 

they cannot offset

 

they also cannot offseet unless they have REGULARLY [6 monthly]

 

sent you a letter called a NOSIN.

 

Notice Of Sum In Arrears.

 

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... 

Link to post
Share on other sites

looks like cred card matter has also gone to apex.

an o/d wouldn't involve an agreement like that with a cred card, but should involve an o/d facility letter instead.

that 'new condition' you mentioned seems to be their standard variation attempt to ensure that any ppi repayments for eg are paid towards any outstanding debt.

 

 

I am not sure the PPI thing is legal. When they wrote to me formally informing me of the default, they said they were "Automatically terminating the agreement". If they have done that how can they alter it? Or if they have no True Copy?

Link to post
Share on other sites

thats what i mean, an 'attempt' and is 'standard' flyer as dx says. but as you say if agreement ended, then how can they vary it.

Edited by Ford
Link to post
Share on other sites

thats a std letter to EVERYONE that holds multiple accounts with LLoyds TSB

 

i've got three here.

 

in effect, nothing has changed

 

they always could offset upon debts within the 'group'

 

as long as the accounts that are in debt are SOLD

 

they cannot offset

 

they also cannot offseet unless they have REGULARLY [6 monthly]

 

sent you a letter called a NOSIN.

 

Notice Of Sum In Arrears.

 

dx

 

Thanks, it is just very alarming.

 

I am what probably be classed as a vulnerable person

- bipolar

 

- so my capacity for dealing with this varies greatly according to what mood I am in.

 

Some times I think panic mode sometimes I could not give a bugger

 

some times it feels like it has nothing to do with me.

 

I am thinking of complaining to their compliance department as what they have done is so confusing.

 

By the way,don't mean to be obtuse but what does SOLS mean?

Link to post
Share on other sites

IMHO i wouldn't waste the INK!!

 

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... 

Link to post
Share on other sites

  • 1 month later...

There have been some developments of late.

 

LLoyds have coughed up on the PPI for a loan from four years ago,

 

The negative is that they only gave me 8% simple interest, that works out at less than 2% per year, when they charged me 20%.

 

I have not replied to them, I am scared to cash the cheque.

 

I asked them for a true copy CCA on my credit card what they sent back was duff See below on another post i made tonight.

 

Since I got the letter, I have been getting calls from a company called Wescot - I don't know who for as they never leave a message.

 

I just have the feeling that they are planning something nasty in revenge for my claim.

 

Maybe even a move to BR now that they have something to go for.

 

I want to try and arrange FFO's with my creditors,

but I don't think that I have enough with just the simple interest and I don;t think that LLoydsTSB are going to give me the chance to.

 

Can anyone suggest a positive course of action, do I hang on to the cheque or cash it?

 

I applied to LLoydsTSB for a true copy credit card CCA card CCA.

In the same letter I also asked if they had assigned the debt and if they had could they send my a copy of the deed of assignment.

What they sent back was not a true copy, it had the wrong address on it and bears no resemblance to anything I've signed credit card wise.

 

Also it bore what I could only describe as a tirade against me engaging companies that promise to write off debt with extracts from the ministry of justice etc.

 

At the same time I sent of a SAR, duly signed on an anti-tamper seal, pretty sharpish

- basically at the same time

- I got a reply back with a form asking for my signature

- or alternatively suggesting that I nominate a branch to pick up the data.

 

What do I do? I don't want to attend a branch

Link to post
Share on other sites

if they have the monthly PPI premium correct

 

it is only 8%

 

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... 

Link to post
Share on other sites

and thats divided by all the months of payment see '0' below

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...