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Did you send a copy of this letter to the DCA also?

A few lines telling them that you dispute this debt and have sent proof to the OC should have them sending this back to PDE.


It never rains but it pours...

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Well after Lloyds paid the payday lender the sum of £251.00, still claiming the had to as visa cleared the payment, as the debt should have been paid. I did inform Lloyds that ME and not my wife took out the payday loan yet they still took paid from my wife own account as she did quote a debt card to make a payment. ( cancelled along time ago ) . Also Lloyds now chasing my wife for £496.98 just dont know where to turn now , we have wrote to lloyds who refuse to charge back and cancel fees.

 

1, Loan was taken out by me & not my wife

2, Lloyds paid debt on a basis / confirmation from visa wrong the wife did not take out the loan

3, Lloyds charging HUGH fees more than the payday lender

 

Can anyone help with this matter

 

cheers

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well got a letter today from the TSB the account is now £401.00 over drawn, and they demand repayment in full, we feel the bank are blackmailing now by refusing a charge bank of funds which should have not been paid. The payday debt was in my name and not the wifes but the TSB are not playing ball and just adding fees. Clearly the bank is just as bad as the paypday lender

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Well today we have had a letter from SCM Solicitors demanding we repay the debt now £407.00 as Lloyds are charges fees. unless we repay now / 14 days they will start court action. I have asked llloyds for theproof of the debt as they state they were told by visa to pay which wenot see that happening. I have wrote to SCM asking them for the proof of debt in my wifes name.

 

sending recorded delivery as proof we have replied, lets hope they have proof of debt which we dont think they have fingers crossed

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Can you post that letter up minus personal info. I'd be interested in seeing how they word that letter.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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We have wrote to the solicitors regarding the proof of the debt lloyds state they have but had no reply ( to soon ), I have attached the letter from the solicitor

 

 

Cheers

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If, may, could etc etc. You get the idea.

 

It's also one of their form letters, signed by nobody. Notice the SCM signature. Theyre just a solicitor for hire.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Lloyds have today stopped the access to the online banking, seems strange as now we do not know how many more charges they are adding. We have wrote via recorded delivery asking for the proof of the debt but so far no replies.

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Well after writing to lloyds requesting copy proof of the debt which they refused they passed the file to moorcroft to collect. We asked them for proof of debt and again they refused claiming £428.00, now a company called midas credit service claim they are acting on behalf of moorcroft and they claim £428.00 , just going around and non of the companys can provid e proof of debt. Can anyone help to sort out this debt

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SO Moorcroft own the debt? Chances are they dont care. They are one of the lowest DCA's there are. They will just ignore your request. The OC wont care as they would have already claimed the amount back off their tax/insurance.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Dont know who owms the debt, we think its still lloyds as not been informed or had any copy details just threat letters

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If moorcroft have sent another DCA out after you, then they either own the debt, or they are breaking the terms of their credit licence by sending out a DCA when they are not allowed to. More than one DCA at a time after a debt is a big no-no


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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We have not been told by lloyds or moorcroft who owns the debt, just another threat letter from midas stating they are now chasing for moorcroft.

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Then moorcroft own it, or they are breaking the terms of their credit licence.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Had a letter from lloyds today informing that a company called wescot are now dealing with the issue. yet lloyds refused to comply with our information request. i bet wescot dont reply

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Can anyone help, we have had a letter from HL solicitors regarding debt. We have requested details in writing and got no reply. Who are HL Solicitors they state they have given 14days to reply


 


what next !!!!!



The letter states

1, full the Clint full amount or part of the sum you admit is due

2, if you claim part provide full written details

3, tell the client you are seeking advice

also if you fail to reply in 14 days we anticipate that we will be instructed by our client to issue country court proceedings without notice.

strange the letter ends

please note that all communications should be directed to our client, quoting the reference

is this just a threat letter ???

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