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    • retailer said they'd speak to dpd on Tuesday. I don't want to screw the retailer because they were doing me a favour by fixing it for free  I hope dpd will refund them so they don't lose out. Will keep you guys posted. 
    • Well, we live on the same road so it should be the same postcode. When I spoke to dpd and asked why were my neighbours' address not on the list and she said maybe they're not of the same postcode and I checked and they definitely were. Not to mention, delivery instructions are supposed to override actual customer's address which is why they asked for instructions I thought.
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    • There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    
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Capquest purchased old LTSB 2007 Credit Card account - No CCA


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Wow, SB in December - lucky you!

 

As my last communication with a DCA was a couple of years ago, I'm not sure if it's still appropriate to send the account in dispute letter or hang on to see what (if anything) the DCA does next.

 

Suggestions anyone?

 

 

Which DCA is involved?

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The new DCA is capquest, they've purchased the account from LTSB.

 

Are Capquest actively chasing this at present? If so send a CCA requsest.

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They sent me a welcome to capquest letter, asking me to contact them, which or course I won't be (not to make payment anyway)

 

I CCA'd LTSB back in 2009, they eventually sent me a reconstituted agreement which they said satisfied the CCA request. If I CCA capquest, are capquest likely to send a similarly reconstituted one or will they admit LTSB lost/ destroyed the original?

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It is possible that they will not get another recon, but worth a quid I think to see what does come up.

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I'll pop a CCA request in the post later today, thanks for your help Brigadier!

 

Am I correct in assuming the creditors still need to produce original contract paperwork for pre 2007 agreements if they wish to obtain a court order, or is this no longer the case?

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I'll pop a CCA request in the post later today, thanks for your help Brigadier!

 

Am I correct in assuming the creditors still need to produce original contract paperwork for pre 2007 agreements if they wish to obtain a court order, or is this no longer the case?

 

Yes, you are correct :)

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OK, that's encouraging, thanks ...stella

 

Are they a particularly nasty bunch or pretty much your usual DCA ****?

 

As they've purchased the account, rather than simply managing on behalf of the OC, are they more likely to try their luck through the courts?

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Haven't checked my credit file for ages, I know it's trashed for at least another 3 years - don't run my life using credit to fund my purchases any more. If I can afford it, I buy it, if I can't, I save, so I'm not too concerned with the state of my credit history.

 

I was gonna send capquest another CCA request, changed my mind, now gonna send them the same letter I've sent to other DCA's - the Account in Dispute letter and I'll see what they come back with.

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Haven't checked my credit file for ages, I know it's trashed for at least another 3 years - don't run my life using credit to fund my purchases any more. If I can afford it, I buy it, if I can't, I save, so I'm not too concerned with the state of my credit history.

 

Same boat as you mate but knowledge is power. Noodle credit is totally free albeit a little behind the paid versions.

 

"Keep you friends close but keep your enemies closer"

 

They've sent us both a letter to say they 'own' the debt now. If they're BS-ing they can do one like all the other DCAs I've been passed through.

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Checking your credit files can keep you ahead of the DCAs, alerts on searches are worth getting.

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Noddle is the free offshoot of Callcredit the least used of the 3 main agencies, the data on Noddle is not always up to date.

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Free's one of my favourite words, I'll get onto it in the next day or two once I've finished the sanding down my boat.

 

I thought an account sale from bank to DCA had to be accompanied by a notice of assignment (or something like that)?

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Looked at Noodle the other day, may register with them tomorrow. Are they definitely legit? I've moved a couple of times in the last year, not sure which address the Credit Reference agencies have. That said, bloomin' DCA had no problems finding me!

 

I believe I'm right in saying that CRAs cannot 'blacklist' an address itself, for there to be a negative entry if indeed there is one is has to be linked with a confirmed full name and DOB?

 

As long as your on the electoral role at your current address it will be accurate.

 

I'm sure others will correct me if this is wrong?

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Notices of assignment can be sent by the creditor and/or the DCA.

 

There is no such thing as a 'black list of properties' credit files are personal to the data subject.

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Looks like LTSB have finally sold off all their old toxic accounts. I've just sent off the same Account in Dispute letter as I did when IQOR, Westcott, and Credit Security announced themselves as collection agents, will just have to see what Capquest come back with.

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I seems that there at least two large portfolio of Lloyds debt in the hands od debt purchasers now.

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  • 1 month later...

Been receiving correspondences from a DCA who purchased an old LTSB account.

 

In their latest letter, amongst the usual legal threats they have stated that they can obtain details pertaining to bank account balances, can they really do this or is this more lies intended to get me to pay them?

 

I must say that their three or four letters sent since they purchased the account have been very pleasant, not at all like the previous poisonous threats I've had to deal with from other DCAs.

 

They must be attending anger management courses.

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