DLC -Lloydstsb

[N_R]

Why has my thread been mixed with this one?

[datxman]

Why has my thread been mixed with this one?

 

????

[GaryH]

I'll get them seperated for you

[leeshare]

thats brilliant, im just about to start my court bundle, i have to wait untill the 12th of may for my court date.........

 

just not looking forard to getting stuck into the court bundle knowing that they wont bother..

 

hopefully theyll do the same to me and settle early...

 

welldone again

 

lee

[tim2718281]

There was no covering letter other than a compliment slip. Has anyone won the charges back as it has cost me a lot of money in time and paper, etc.

 

Cheers Gary H it is something else to think about before I go for round two;)

 

See the Mindzai and Lucid thread.

 

The bank paid in full the evening before the court cases; M&L then wrote to the court, asking the judge to consider awarding them costs on the grounds of the bank's unreasonable behaviour. They set out their costs, which for three cases came to over £400.

 

The judge wrote, giving the bank one week to respond. They failed to meet the deadline, asked for a one-day extension, then faxed a letter to the court stating they would pay.

 

So far, they have not done so, even though they told the court they would (they faxed the court on, I think, the 16th Feb.)

 

Tim

[N_R]

SC&M are useless, the money appeared in my account on the 23rd of Feb (wish i'd known it was on its way, would have saved me spending a day doing the court bundle), they sent a letter to the wrong address notifying my LTSB had settled, and asked me to notify Poole county court that it was settled, it should have been Durham County Court.

 

I see the threads are still mixed up!!!!!!!!!!

[datxman]

I have received a letter from DLC which is acting on behalf of lloyds TSB and that I owe them £700 so I asked for proof of debt this was back in June 2012. I have not heard from them other than they have returned the debt and request back to LloydsTSB.

 

Today I got a letter stating that the debt is mine and that lloyds have a legal duty to collect the money from me.

 

The debt apparently dates back to feb 2007, I am unsure what do now as I asked them to prove the debt but they haven't other than a letter from DLC stating it is my debt.

 

Apparently the debt was assigned to Hillesden securities in January 2011:jaw: did I need to be told of this ? as if I was told then I would of questioned this debt.

 

I did have an account with them which was a current account but I closed that account with zero balance back in 2006 as I won my court case against them for bank charges. so I am unsure where this debt would of come from.

 

Please help

 

Thanks in advance

 

DATXMAN

Edited October 20, 2012 by datxman
additional information

[BRIGADIER2JCS]

What type of account is this?

 

Write to Lloyds and request a full explanation of what the debt is, alternatively a Subject Access Request under the Data rotection Act 1998 requestinf ALL data they hold on you, there is a £10 statutory fee for this and the creditor has 40 days to reply. You can use the template from the |CAG library for this.

 

My guess is that there was a debit outstanding/pending on the account when it was closed.

[dx100uk]

what does your cra file say?

 

dx

[datxman]

I haven't checked my CRA as my debit card only works in the UK and when I try to sign up for noodle etc it says that my card is not recognised I am going to have to do it the old fashioned way and send off £2 to each CRA

[datxman]

If I have sent them a proof of debt letter do they have a set period of time to reply to that letter before making their claim null and void?

 

I am going to write back to the company stating that I asked for proof of debt and that this was not provided. I am willing to go to court as I have no knowledge of this debt and as far as I am aware my account was closed with a zero balance.

[dx100uk]

if you are not returning to the uk before the 6yrs are up they cant do anything to you anyway.

you cant get a ccj if you live outside the uk and they know so.

 

dx

[datxman]

I am in the UK, the problem I have is that my debit card can only be used in the UK and the CRA must bank outside the UK so my card can't be verified.

[dx100uk]

no they are not.

 

i've always used a debit card.

 

have you tried noddle?

 

dx

[BRIGADIER2JCS]

The statement on the debit card and the CRAs banking is strange can you explain please, the CRAs all bank in the UK.

[datxman]

I have tried experian, equifax and noddle and all of the say that my card cannot be verified.

 

My debit card is issued by Northern Rock and it is limited to use in the UK, if I go to a petrol station and pay at the pump I am ok, but if I go in the shop at the same petrol station then my card gets rejected. The problem is with my card, but I cant and dont want a to get a credit card to so that I can get a credit report.

 

I thought the CRA may use an external source outside the UK to verify your card details and was the reason why my card could not be verified on these site as soon as it is checked by a company outside the UK it will reject it. I can't even buy from Amazon.

[dx100uk]

are there not limited use debit cards?

 

me mrs had one of those

could use it for petrol

where by it checked the balance and said go ahead

 

but could never use it on line nor in shops

 

i dont think it had the visa logo

 

she contacted the bank and they sent one with a visa logo

 

all was fine.

 

dx

[datxman]

Hi Everyone,

 

I have finally managed to get hold of my credit report.

 

Yes the default is stated on there

but it had two current accounts with the same bank both are in default

- I didn't know you could have two current accounts with the same bank?

 

This debt apparently dates back to 2007 I have no knowledge of what this could be for (honestly)

 

I had sent the proof of debt letter to the DCA asking them to prove the debt

and they have just wrote back saying that the debt is mine and that the bank would like to have the money back

- surely this is not proof I am writing back to them today to say that I do not accept that this is my debt

and that I would like actual proof of this debt.

 

Do they have a set amount of time from me requesting the proof to them providing the proof i.e. 30+12+30 days ?

 

Any advice if I am doing the right thing and what I should do next?

 

Please help me with my questions I am getting distraught over this debt.

 

thanks in advance

 

Datxman

[dx100uk]

as its a bank account CCA'ing them is not an option

 

the 30 days think went out window years ago.BTW

 

what dates of the defaults

and who is the owner

 

dx

[datxman]

Both defaults were made the same day in march 2008. I believe the bank will own them but not sure as I have not had any paperwork to say that I was in default.

 

Bank account has not had any money paid in to them since March 2007.

 

I have not heard anything until a company called hillesden securities contact me saying I owed this money and that the debt had been assigned to them but I have no knowledge of this either

[dx100uk]

if you've made no financial in/out in 6yrs

 

they be sb'ed

 

why are the defaults so far after that date?

 

dx

[BRIGADIER2JCS]

Yep 30 days disappeared ages ago.

 

Are the amounts outstanding on these accounts similar?

 

Perhaps a SAR to the bank is the best option mere.

[datxman]

The defaults were put on my credit file in March 2008 for both accounts.

 

I have not used the account since 2007 so it is within 6 years so it will not be SB'ED

 

I just cant understand why wait this long and why havent I had a default notice or letter of assignment to Hillesden.

 

I am willing to fight this in court even though I may not win.

[datxman]

Yep 30 days disappeared ages ago.

 

Are the amounts outstanding on these accounts similar?

 

Perhaps a SAR to the bank is the best option mere.

 

One amount is £771 and the other is £384

[dx100uk]

sri i cant count!

 

dx