@asklloydsbank marlin doorstepper - now letter - trying to collect a lloyds debt from 1995!!

[ross1966]

Hi everyone,

 

tonight had this guy knock on the door said he was a agent for credit solutions trying to recover a debt owed to lloyds tsb.

 

I replied i no nothing about it and asked the gentleman to leave, he said the company would be in touch.

 

I remember only having dealings with lloyds

 

around 8 years ago.

 

Any advice would be appreciated

[silverfox1961]

Hi,

If they do write to you send them either a Statute Barred letter or a Prove it letter but this letter should stop them calling again:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-.html

 

Letter1 and letter 17 are the ones to look at here:

 

The Consumer Forums - Debt collectors

[kurvaface]

DON'T PANIC

Do not believe anything that comes out of a dca's mouth.

That would be like taking child safety advice from Gary Glitter.

From what I've learnt of these monkeys, if they can't put it in writing, they don't have a leg to stand on. If this is the first contact you have had from them and you have heard nothing relating to the alleged account in all these years, and you haven't acknowledged it, then they will eventually take a hike. Just use the procedures/letters in this forum.

No doubt they will try using the usual scare tactics so don't be surprised if you get any of the following:

Threatening phone calls at all hours

Letters in threatening pseudo-legalese

Threats of further visits

Dodgy threatening cards from power2contact

Threats of the "preparation":D of legal papers:D:D

Threats of interference with your credit file

Threatening threats

More threats.

Threats of additional charges and costs

Unfortunately, many of the cretins who work for credit solutions holdings ltd have thick skulls and it takes a while to get the message to sling it through to them. If they step over the line, just once, report it. Trading standards are looking at this company so the more complaints they get the better.

Finally, don't have any pity for them. These people have nothing positive to contribute to society in the way of skills or decency and it could be easy to feel sorry for them, however, you will soon learn that they will use every devious and shifty underhand trick to bully you into making payments to them - they are pitiful by their own choice!

[ross1966]

I recieved a letter they are trying to recover a debt for LLoyds Tsb.

 

I phoned this company they were trying to reduce this debt by half.

 

They asked for personal details which i declined to give.

 

He told me the address on the agreement was a old address which i recognised as my parents, i moved out some 10 years ago.

 

Should i CCA this company, something does,nt seem right.

[cerberusalert]

If you have not made a payment on this debt or made any written admission for a clear period of six years it will be Statute Barred, so send them this;

 

Dear Sir/Madam

 

Acc/Ref No

 

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

 

I wish to point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

I should also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

 

I await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

 

Yours faithfully

 

Print Name do not sign

[cymruambyth]

Hi, 1stC are a real pain, are in trouble with all sorts of regulatory bodies and don't seem to care

Do not speak to them on the phone as they can be quite intimidating........

When did you last acknowledge or make any payment on this? If it was over 6 years ago [5 in Scotland] it is statute barred. If this is the case send this letter

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred.html

If this is not the case send a CCA request with a postal order for £1 http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter.html

Remember never sign your letters and send recorded delivery. Any replies, post here, minus personal details, and keep any envelopes with the date of delivery written on them.

Good luck, C

[cymruambyth]

Oh dear I need to learn to type quicker

[ross1966]

HI,

I need some advice, i offfered the court £50 a month to pay of a debt of £2,092.98

 

Robinson refused my offer and the istalments have been set at £602.20 a month, i can"t

 

remember missing anything of my income and expenditure form but this amount i clearly

cant afford. Can any one explain my options and advise what to do next.

[ross1966]

Hi,

I hope someone can help me,

 

Today i had a gentlemen came to my door representing a company called Marlin

he said he came about a outstanding debt to lloyds tsb,

but gave me any details as i mentioned that i have not any contact with lloyds in years.

 

I remember having a loan with lloyds tsb but that would be around 1995-97 time.

 

Could someone please advise me how to proceed with this

 

thankyou.

[i hate bailiffs]

Sounds as it could be statue barred if no payments have been made for 6 years(5 in Scotland) it will be

 

a door stepper has no powers at all is not a bailiff and can be told to play on the nearest motorway

 

You could sent the statue barred letter if it is statue barred

[dx100uk]

little chancing fleecer me thinks!!

 

doorsteppers are NOT BAILIFFS

they have NO SUCH LEGAL POWERS

 

if he comes again, call the police.

 

i would expect the debt is WELL STATUTE BARRED.

 

if it were me i'd have the buggers arrested for trying to spoof people out of money the DO NOT OWE.

 

check your CRA file

just incase

 

dx

[42man]

Do you have any contact details for him ? If you do then call him and ask when he will be visiting again as you would like the police in attendance....also ask him why he is attempting to collect on a statute barred debt....especially so as Marlin will know it is statute barred.

[ross1966]

Hi,

After the knock on the door 8/01/13,

 

today i recieved a letter from Marlin for a lloyds tsb debt of £375.

 

The letter is asking to make offer of payment or court action procedings will take place.

 

The last time i have hold a a account, or remember having a aloan with the bank was 2003,

 

Can some one please advise on our to proceed with this matter.

 

Thanks.

[dx100uk]

hi ross

 

pleae read the letter properly

 

it does not say WILL

 

every word BUT

 

if,might,could, instructed, recommended.

 

Marlins are NOT BAILIFFS

 

they have

NO SUCH LEGAL POWERS

 

 

the debt look SB'd

 

they are trying to fleece you.

 

look at your CRA file

see what that says

 

dx

[dx100uk]

two threads merged

 

please keep to ONE thread per debt

 

dx

[dx100uk]

all your threads bar one have been merged

 

 

they go back to 2009 regading this debt.

 

if anyone was going to do anything

they would have by now

 

ignore them

 

dx