Global chasing extremely old LLoyds Loan

[j4ckier]

Hi, Hope I am posting this in the right place ...

I think I have opened a whole can of worms whilst trying to pursue Lloyds TSB for PPI reclaim.

 

I have received this morning a letter from Global,

asking me to call them about an account,

but they have just given me an account number, no name or amount.

 

I have an inkling it might have been an extremley old loan that I defaulted on in much younger years from TSb (before the merge with Lloyds)

I am talking about 12+ years ago.

 

Strangely enough I have been banking with Lloyds all these years and nothings ever emerged.

Its all I think it can be.

 

Should I call them to find out more information?

 

or are they just 'fishing' at the moment.

 

If anyone has any advice it would be much appreicated as I am now pretty worried that they might take me to court and I really can't afford it right now

 

Many thanks

[i hate bailiffs]

I would file it under ignore if it is important they will write again

if it is over 6 years with no payment it will be statue barred:-)

[dx100uk]

woe

 

slow down

 

NEVER EVER call a DCA

 

they are NOT bailiffs and have NO SUCH LEGAL POWERS

 

yes most prob a phishing trip

 

havve you checked your CRA file is clear?

 

dx

[unclebulgaria67]

Nothing to do with the current Lloyds PPI claim.

 

Do nothing for now. Wait to see if they send you more info. Check your credit record.

 

https://www.noddle.co.uk/

[j4ckier]

Hi , thanks for your responses. I have checked my credit record and all seems fine on there. I guess I will just wait and see what happens next. Thanks again for your help, really appreciate it !!

[Ros1609]

Phishing trip. Just ignore it. You'll eventually get a letter with more details and if all is fine on your credit file you can send the statute barred letter

[BRIGADIER2JCS]

Which credit files did you check, it's always best to use at least 2 for safety.Definitely check either Equifax or Experian if you have used Noddle as this agency is often out of date, and is not used very much by majoe companies.

 

If the account was defaulted more tahn 6 years ago the entry will have been removed.

 

To kill this off straight away, without acknowledging any liability what so ever send the following letter by recorded delivery to the Compliance Manager

GDR

 

Ref: use the one on their letter.

 

Sir,

 

Iam in receipt of a letter from GDR asking me to call in reference to an ''account'' I have no knowldge of any account with GDR or any company you may claim to represent.

 

I certainly do not acknowledge any debt or liability of any sort to GDR and having checked my credit history I have concluded that if your are seeking to recover an outstanding debt from me you have either contacted the wrong person OR any alleged debt is STATUTE BARRED,therefore I will not now or in the future make any payment or offer of payment in reagard to this matter.

 

Should GDR wish to dispute the status of any allged debt you are reminded that the onus of proof lies entirely with GDR, I do not have to prove anything.

 

I am fully aware of the OFT Guidance on Debt Collection 2003/2012 and the sections relating to the pursuit of statute barred debt.

 

You will now cease to process all data relating to me and remove from your records, confit=rmationof your compliance is required within 7 days.

 

This is my Final Response.

[BRIGADIER2JCS]

It is a letter that they will have to take notice of

[Akasha72]

Hello

 

I have also received the same kind of letter from Global...

..this would be a debt that must be over 13yrs old as my mother sold the house and later passed away,

 

I called Global and had a rather stroppy chap tell me it was my debt,

 

I DIDN'T ACKNOWLEDGE it and informed him I hadn't gone by that surname for over 9yrs and that I don't recall any loan being taken out. I asked him for all the details...

 

..I have to say when I put the phone down I was really scared, it wasnt until I did some research

and saw that it was SB I sent a letter similar to the template here..

 

..Do these types of firms 'buy up' old loans and see if the can pursue the debtor??

[BRIGADIER2JCS]

Hi, yes these companies buy and sell debts for a few pence in the pound then attempt to collect the full balance.

Please do not phone these people.

 

I suggest you send the following letter to the Compliance Manger at Global by recorded delivery.

 

Ref: as on their letter.

 

Sir,

 

I am in receipt of your letter dated xx xx xxxx the contents of which have been noted (and filed in the bin.

 

Please take note I do not acknowledge any debt to Global or any company you may claim to represent.

 

I had the great displeasure of speaking to a most obnoxious operative regarding the alleged debt, and now formally restate what I told this person, haveing checked my credit history I have concluded that the alleged debt is STATUTE BARRED therefore I will NOT make any payment now or in the future.

 

I am aware of the OFT Guidance 2003/2012 and the sections relating to statute barred debt, and remind you that should Global wish to dispute the status of the alleged debt the onus of proof lies entirely with Global and it is not for me to prove that the debt is statute barred.

 

Global WILL now cease to process all data relating to me and remove it from your records.

Also Global WILL confirm compliance with my instructions within 7 days.

 

This is my final response.

[dx100uk]

and stay off that phone!!

 

dx

[Akasha72]

Hi, yes these companies buy and sell debts for a few pence in the pound then attempt to collect the full balance.

Please do not phone these people.

 

I suggest you send the following letter to the Compliance Manger at Global by recorded delivery.

 

Ref: as on their letter.

 

Sir,

 

I am in receipt of your letter dated xx xx xxxx the contents of which have been noted (and filed in the bin.

 

Please take note I do not acknowledge any debt to Global or any company you may claim to represent.

 

I had the great displeasure of speaking to a most obnoxious operative regarding the alleged debt, and now formally restate what I told this person, haveing checked my credit history I have concluded that the alleged debt is STATUTE BARRED therefore I will NOT make any payment now or in the future.

 

I am aware of the OFT Guidance 2003/2012 and the sections relating to statute barred debt, and remind you that should Global wish to dispute the status of the alleged debt the onus of proof lies entirely with Global and it is not for me to prove that the debt is statute barred.

 

Global WILL now cease to process all data relating to me and remove it from your records.

Also Global WILL confirm compliance with my instructions within 7 days.

 

This is my final response.

 

 

Thank you, reading all the experiences of others, I am without doubt the debt is sb