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    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
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LloydsTSB & Cabot Finance


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Dont worry thanks to the advice on here I am not discussing anything over the phone :) Just saying that they said they would call me after a week to see if I could raise the money to settle the debt and they never and I also asked for the settlement in writing and never got that either :)

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Thanks for the reply,

 

Unfortunatly I dont have in writing the first agreement to them agreeing £1 a month nor do I know of any PPI, as I destroyed the card a very long time ago, I took the card out in 2000' and must have destroyed it around 2006'

 

I asked Cabot to send thae agreement he said over the phone £1575 to clear a £3934 debt in writing, he put me on hold for 2 mins came back and said he had done so.

 

When I checked my credit report with noodle, april, may & this months £1 agreement hasn't gone thru with the paying in book LloydsTSB gave me for the £1 a month agreement.

 

The fact that you have been paying £1 pm and Lloyds had been accepting it shows that an agreement was in place. Cabot have to accept that.

You can SAR Lloyds and find out about any PPI & unlawful charges to claim back

Without a letter of assignment you can only presume that Lloyds still own the account and that Cabot might be their DCA or they might be fleecing you

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Thanks 2grumpy for the reply and info.

 

Today is the 13th day and still not heard anything from Lloyds regarding my CCA request, I was going to send them a reminder over the weekend, I still paid the £1 into Lloyds yesterday as my monthly agreement

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await the CCa, expiry 14 working days

 

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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ideally if crapbot were the ones chasing they should get the cca

 

x

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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ideally if crapbot were the ones chasing they should get the cca

 

x

 

Would Lloyds pass on the CCA request to them ? As I haven't heard from cabot apart from the phonecall few weeks back i'm confused who actually has the debt now

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see what happens

 

your cra file will show the owner

 

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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the cra file is nothing to do with a request to them

 

see 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... 

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well theres only really on ereason why banks sells debts

 

that's because there is something WRONG with it

and they will never ever got to court with it.

 

discover that,

 

you're on a winner

 

sar is the key

cca might be it 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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yes as indicated

 

he more info you can get

 

the better prepared

 

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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15th day and nothing

 

My question is, if Lloyds have sold the debt to cabot and i've requested the CCA from Lloyds would they contact cabot to get the CCA or will they eventually tell me they haven't got the debt

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crapbot would have asked Lloyds anyhow.

 

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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Share on other sites

Then it is firmly in dispute, regardless of who you requested the CCA from, even more so if you requested it from the OC and they can't supply it..

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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send the failure to comply letter to Lloyds

 

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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Share on other sites

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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  • 3 weeks later...

Hi,

 

Think I am going to have to send CCA to Cabot.

 

Still no reply from Lloyds even with the reminder although it has only been about 6 days, but I spoke to RM just now and the £1 P.O has not been cashed.

 

Where do I go if Lloyds ignore the reminder letter as well as the original CCA request ?

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Ignore them, that's where you go!

 

Reciprocate their attitude, if they can't be bothered to respond to your lawful request, then they clearly want nothing to do with you and have no desire for you to reimburse them..

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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