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Debt managers ltd for capquest chasing old Lloyds credit card debt


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Oh here we go again.......

 

...I have an old debt with Lloyds tsb going back to 2009

which at the time I was desperately trying to sort out a pay arrangement with them

and was ignored and passed on to the first debt collector and the fun (stress) began.

 

Back then I sent a cca request and had no response,

it then got passed onto the next DC who I also cca and so on.

 

It's been quite for a few years (admittedly I have moved and accidentally forgot to tell them....oops) with no letters

 

suddenly out of the blue I get a nice call, letter and text from Debt Managment Services Ltd

saying that Capquest have referred the debt to them.

 

I have checked Equifax and my original debt with Lloyds says "settled" and a default against crapquest.

 

My question is do I have to do the cca all over again?

 

If so can someone please point me in the direction of the template as I haven't been on here for so long I've forgotten where it all is.

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what is the default date on your CRA file please?

 

when did you take this loan out

 

and

when was YOUR last payment.

 

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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TBH, the regulations changed in 2007 so I don't think there is going to be much mileage in obtaining a CCA !

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I would CCA them yes

 

have you ever looked at getting all the statements on this card?

 

there could be mileage in PENALTY charges reclaiming & p'haps PPI?

 

send LLoyds an SAR.

 

can you answer the questions in post 2 please as well.

 

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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Ok I've looked up what an SAR is however if I send one to Lloyds does that mean I'm then acknowledging the debt? and do you think a cca will keep the Muppets off my back? Over the years I've been threatened with all sorts of court action, door stepping etc as well as a discount on the debt.

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click the sar

 

no it does not ack a debt either

 

it is your legal right.

 

something must be very wrong if they are offering a discount

 

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...

Hi

 

I haven't cca debt managers yet as I wondered what their next tactic would be. Well now I know,

 

I've just had a letter threatening to doorstep me.

 

My only issue is the address for Debt managers (services) Ltd is a P.O box address so I can't send a cca request by registered post as there's obviously no one there to sign it.

 

I don't want to talk to them on the phone but I don't want them turning up either.

 

Can someone please give me some advice?

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It looks like Lloyds have sold my debt to capquest after spending the last 4 years passing me around lots of different dca·s.

 

I cca the previous dca·s and none of them ever managed to provide one.

 

I'm guessing they don't have an original cca as I've had the credit card since 2005.

 

My last payment for it was Jan 2009 and I sent the first cca in April 2009.

 

I'm just providing some background info if someone can please help me.

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you CCA crapest.

 

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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Do I need to cca crapquest and debt management Ltd as debt management Ltd are the numptys threatening doorstopping? Also my credit file shows the debt to Lloyds as settled but crapquest now have it as defaulted. Is this important and how will it affect me?

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when a debt is sold on a phishing list

the OC [Lloyds] will mark it settled

 

then it will re-appear under the debt buyers name when bought by them

the default date should never change just be updated.

 

you need to cca crapest

DM are only threat merchants

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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you are in the Lloyds forum

every forum carried a series of stickies at the top

of its homepage with the details you need.

 

click the blue Lloyds up the vert top

 

then the red/yellow threads titles

 

Registered Office:

 

25 Gresham Street,

 

London EC2V 7HN

 

 

 

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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