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    • Thanks for this update. Let's not if you have any more difficulty – in particular if you have difficulty getting paid back from the purchaser. We can help you either against the parcel delivery courier or against the purchaser
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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... 

Link to post
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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