Idem Claim form - Lloyds Loan -***Claim Discontinued***

[Tiredngrumpy]

I don't recall signing anything other than the first agreement but it was about 15 years ago. I've had a couple of 'questionnaire' type phone calls from Lloyds in relation to the PPI and mentioned they only had details of 2 loans but I definately increased it twice after the original amount.

 

Hopefully the credit report is as simple as wrong address details. I have moved around a bit and all but one move was local (in the same county).

[dx100uk]

watch them and their 'questions' on a PPI reclaim

 

writing ONLY

 

the questions are specifically loaded to be useful to THEM.

 

they will redude or block your claim

 

they are very sneaky that way

 

we recommend you don't answer them

 

and state in writing only

 

dx

[Tiredngrumpy]

I only reiterated what I had written on the paper questionnaire so will hopefully be OK.

 

Do you think I should write to Arden pointing out their incompetence in not enclosing what they said they had in their letter?

[dx100uk]

ok well done

 

I wouldn't worry about arden for now

 

dx

[Tiredngrumpy]

Quick Update:

 

I sent the default on CCA request letter to Arden who responded with a copy of the letter they've already sent to me telling me they think it's enforceable but need to request the CCA from Lloyds.

 

I managed to get a look at my credit file and there's nothing whatsoever in relation to this on file. (The reason I had issues before was down to dates at addresses I think.)

 

Lloyds have sent my SAR information which is sparse but in the covering letter it states that they have records of 3 loans (1 paid off the next in turn.) and they have NO original documents including agreements.

 

Is this game over or are there any stunts they can pull?

 

Thanks

Edited September 17, 2013 by Tiredngrumpy

[dx100uk]

how can they NO documents when you have been paying this debt until very recently

 

you need to write back and complain

 

they must keep records for atleast 6yrs AFTER and account is closed.

 

ok

 

you need the info to reclaim the rolling PPI over the 3 loans

 

but on the other hand

you don't want them [arden] to find it.

 

i'd complain to Lloyds sar debt.

where are my agreements

 

you have me paying until DD/MM/YYYY no you say you have no details?

 

have you given them all your old addresses?

 

dx

[Tiredngrumpy]

I understand that the principle of the matter is at stake but is there any other reason to complain? What are the implications of not having complied with the 6 year rule?

 

To be clear, they've included what looks like electronic information and computer screen grabs with payments related to the account but there's no copies of any physical/paper documents. ie CCA.

The electronic lists give details of my payments right up until the loan was sold to Idem.

 

My PPI claim will be 8 weeks old at the end of this week and as far as I'm aware they've got all the info they need to progress it.

 

Yes, they have all my old addresses as they're listed on what they've sent.

 

Thanks

[dx100uk]

if you think the SAR is lacking

then write and specifically ask for what you want

 

if you've screen grabs of the statements, then that is all they have to supply.

[Tiredngrumpy]

Thanks DX.

 

What's the worst Idem can do now I've established there's no CCA and nothing on my credit file? (original default cleared as over 6 years.)

 

Thanks

[dx100uk]

cry probably

 

dx

[Tiredngrumpy]

Hi,

 

I thought this had gone away as I hadn't heard anything since sending the default letter to Idem.

 

Today I received a letter from Arden saying that failure to come to an acceptable arrangement could result in:

 

Sending a representative to my address

Passing my account to solicitors to obtain judgement.

 

Should I send another letter pointing out that they haven't complied with my requests and don't have a CCA?

Should I show them a copy of my letter from Lloyds which states there is no CCA?

Should I worry it may get passed to their solicitors? - I don't want a CCJ.

Is there anything I can write to stop them from harassing me at home?

 

Thank you for reading.

[dx100uk]

without an enforceable CCa they can wave their willy at you all they like

 

dx

[Tiredngrumpy]

I'm not a fan of internet chat room acronyms but "LOL" I did at your comment DX.

 

I guess I just ignore it then?

[Tiredngrumpy]

I've now received 3 letters all dated within the space of a week.

 

The first two were identical, just with different dates.

 

The third was less threatening and just asked me to call them which of course I won't.

 

I'm tempted to write to the manager whos name was on the bottom of these last 3 letters

pointing out the various laws and guidelines on harassment etc.

 

Also as they threatened a visit

 

could I include a part about withdrawing their implied right of access?

 

I know this doesn't wash with bailiffs but I think it still applies to companies does is it not?

 

At what point can you make formal complaints to the OFT etc?

 

Thanks

[dx100uk]

doorsteppers are not BAILIFFS

they have

NO SUCH LEGAL POWERS

 

pers i'd not be entering letter tennis anymore

unles/until they issue a claim form.

 

enough of responding to their willy waving

 

just makes them think they've found a mug to fleece

if you keep writing back

 

dx

[Tiredngrumpy]

I've received yet another threat letter, slightly differently laid out but with the same threats of a visit or solicitors.

 

I've been doing some reading up lately and

 

one thing I have read is that if the debt is sold on,

the new owners can issue a new default.

 

In my case there isn't any trace of this alleged debt on my credit record and

it's way over 6yrs old so can I get a default as Idem now own it rather than Lloyds?

[Tiredngrumpy]

Found the thread I was reading, post #12 is what concerns me...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?269015-Default-notice-from-DCA

 

I haven't admitted liability although I continued to make payments to Lloyds/BLS for a few months as there was a delay in finding out

that Idem had been sold the alleged debt due to the time it took for them to contact me.

 

I continued to pay Lloyds whilst awaiting a response to my NoA and CCA requests from Idem.

 

I stopped payments once the account was in dispute due to CCA request time limits.

 

I have been sent a statement of accounts from Idem showing payments in relation to the above

but all were made either in the belief Lloyds still owned the debt.

 

 

Can they default me now?

[dx100uk]

once a debt is gone off the cra file through the org defauly reaching its 6th birthday

 

- IT CAN NEVER RETURN.

 

dx

[Tiredngrumpy]

I hadn't heard anything since my last posts but I've recently received a couple of letters from Idem more or less saying the same thing but the most recent was sent recorded...

 

The first letter stated that there is no cca BUT it was due to the the fact that the alleged debt was in relation to an overdraft and not a loan.

 

The second letter basically says the same as the first but in a more technical manner stating that as it is in relation to an overdraft, section 74 of the Consumer Credit Act applies and because of this they are not in breach of section 77.

 

Seeing as I now have PPI compensation it is definately a loan and NOT an overdraft!

 

What are they playing at? I did get a little caught out at the door when the letter arrived because I also had a parcel and assumed the signature was for the parcel, not the letter. My signature on the postmans touchscreen device was nothing like my usual though. (Incase they're thinking of lifting it.)

 

Any thoughts please?

[dx100uk]

you could have had PP on an OD too.

 

you need to nail this down

is it a loan [then they need a CCA]

or

is it an overdraft [does not need a cca]

 

is there an od in the sar stuff?

 

dx

[Tiredngrumpy]

I had 3 fixed rate personal loans according to what I have infront of me...

 

Both the PPI paperwork and the SAR paperwork refer to loans.

 

The SAR paperwork also shows screen grabs of the loans.

 

From what I recall, the loans were 'lumped' on top of one another to create one large outstanding amount. The cash for each loan was transfered to my Lloyds Current Account and the repayments were debited from the same current account. When I defaulted on repayments the current account was closed. This is shown in the SAR paperwork.

 

Idem included a statement of my "account" with their letter but all that shows is the repayments I'd made since the year 2000 long after the loans and current account had been put into default.

 

Should I make a formal complaint to the authorities at this point as they clearly haven't responded to my cca request and are now trying to lead me up the garden path with misleading information?

 

Thanks

[dx100uk]

do idem make ref to a Lloyds account number?

 

dx

[Tiredngrumpy]

The only reference number is Idems own reference number which they have been using since the NoA and transfer from BLS.

 

There isn't any reference to any original Lloyds account number on either Idems recorded letter or enclosed statement despite the fact the statement dates from when I was paying Lloyds/BLS.

[dx100uk]

play them at their own game

 

they are saying its a OD

 

write back and ask for the original Lloyds account number.

 

dx

[Tiredngrumpy]

Should I do this by way of a SAR or simply ask them to prove it?