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LLoyds TSB OD balance in Scotland - just been sold - help


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just bringing this up again....

 

got a letter in from powell portfolio asking very nicely, to arrange payments.......

 

i really don't want to contact them as my credit report had no mention of them, it was only lloyds that was on there and the account was defaulted and the credit agreement has ended....

 

are there any other comments on this.........thanks........

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Lowell have bought the account and should up date the CRA files

What is the default date shown on the files NOW?

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its still the same as i haven't checked it again, as getting credit checked too many times is bad right......?

 

lowell only contacted me after i got my credit report.......is there claim still valid then........could they have bought the debt a while back, but are only just getting round to it..........surely they would want to contact me as soon as they bought the debt......this s why i am questioning it....

 

original payments to lloyds stopped a few years back.....and it was them who stopped asking for payment.....

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so dec this year it vanishes

 

id get an sar off to Lloyds

 

prob mostly charges

 

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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Checking your own file has no impact what so ever, and contrary to all the old wives tales does not alert anyone that you have done so.

Edited by BRIGADIER2JCS

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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so dec this year it vanishes

 

id get an sar off to lloyds

 

prob mostly charges

 

dx

 

whats sar?

 

just googled it, sounds helpful........although i don't want to start any fresh correspondence with anyone........would a sar be classed as official contact.......

Edited by j_tord
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Checking your own file gas no impact what so ever, and contrary to all the old wives tales does not alert anyone that you have done so.

 

already cancelled my subscription with credit expert........can sign back in though......will check now.......

 

edit:

 

doing so will renew the membership, which isn't free..........its not expensive either but will hold off for now....

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noddle!!

 

click the sar !1

 

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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  • 2 weeks later...

Went a got another credit report, to be specific, a statutory credit report. The main aim was to see what was listed in the debt section.

 

Out of the 3 debts, one has gone, which is good, 2 remain, one of which is the Lloyds TSB overdraft. Its still there, but there is still no sign of the debt purchaser who bought my debt.......

 

Why would this debtor not be listed?

 

If my credit was to be checked for a mortgage for example they wouldn't see the debt purchaser would they, so how valid is it.....

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I guess that the debt purchaser has not yet been able to up date the files.

 

The default shown by the a original creditor is there.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...
Went a got another credit report, to be specific, a statutory credit report. The main aim was to see what was listed in the debt section.

 

Out of the 3 debts, one has gone, which is good, 2 remain, one of which is the Lloyds TSB overdraft. Its still there, but there is still no sign of the debt purchaser who bought my debt.......

 

Why would this debtor not be listed?

 

There is a possibility that they have not yet updated the files so it still does not reflect that they purchased the debt. Is there any update on this one j_tord?

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No change on this...........

 

The credit report does actually mention 'DEBT ASSIGNED CAIS MEMBER', which I assume means the debt has been sold. It states the start date of this was August 2013. No mention of who it has been sold too.

 

When my Lloyds account is removed due to the default and because it has been 6 years from default date, will the new debt purchaser appear then?

 

There has been a few letter demanding payment but none for a few weeks...........

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The debt purchaser will up date the files sooner than later, and as debts are sold in portfolio lots it will take time to through.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Lowell checked my name back in May 10th of this year, the debt was then assigned/sold to them in August of this year, I then got a second credit report done to see if Lowell were now listed on the 1st of September and nothing..........

 

How long should it normally take to show up......

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Could I be advised on what the process is to obtain information from Lloyds TSB they have on me, like when the account was closed, the balance in the account at the time of closure etc........?

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yes sar 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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Can I mention specifics in the letter and therefore acknowledging any debt in writing?

 

The debt has been sold on, however I would like to avoid payment and at the very least reduce the payment

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an sar is a legal document

it does not ack a debt with anyone

 

it is your legal right to be able to get copies of all pers details a company has on your

 

it admits nothing.

 

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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again, thank you..........

 

I have listed specific thing I would like to receive from them and these are:

 

 

• A list of the accounts I held with the bank;

• Balance of the accounts when they were closed;

• The date the accounts were opened and closed;

• A breakdown of any outstanding balance at the time of account closure, specifically any charges that were applied;

• A statement of payments made to the bank from me after the accounts were closed, detailing payment amounts and dates;

• Any details concerned with the selling of any outstanding balance to any third party debt collection agencies;

 

 

 

Does that sound OK........

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all of that is part of an sar return anyway

 

you do not need the list.

 

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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I will depend on the amount of debts Lowell have to process.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

Lowell have now said they are going to pass on the debt to Fredericksen International.

Any experience with this organisation?

 

I have contacted Lowell via email and told them I am unaware of the details of the debt, which is true,

and that I have approached Lloyds with a subject access request in order to get up to speed with the actual details of the debt

before entering into any arrangements with them or anyone else.

 

What response will I likely receive from them?

The email was calm and professional and didn't indicate an acknowledgment or denial of the debt or the implication that I would refuse to pay.

 

How many times can the debt be passed on?

Why would it be passed on?

Do these DCAs not have the power to go to court?

 

Thanks for any advice....

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If one DCA does not get the result it wants the debt will be sold on and will circulate round the debt collection industry.

Yes DCAs if they own the debt can take court action.

 

Fredrikson is now part of the Lowell Group and will be assigned to manage/collect on behalf of Lowell.

 

Hard to predict Lowells response, just really have to wait for the SAR data (they have 40 days to comply).

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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