@asklloydsbank Global Debt Recovery chasing 1997 lloyds debt not even mine!!

[NOT IN BEBT]

hi there need advice please ...

 

..received a letter about a week ago from a debt collection company

asking me to contact them regarding some information they needed,

please note that's all that was mentioned on the letter and did not state what the debt was about,

 

I called this company and was told I had a £4000 debt that was used with the Lloyds tsb back in

(almost fell over when they said the year) 1997!

 

I told them I knew nothing what so ever about this

and that I had never even had a Lloyds account,

to which I was told they did not believe me!

 

I told them well I haven't done this and left it as that as the gentleman was not your friendly kind

actually he put the phone down on me!,

 

this morning I received another letter from them now stating the debt

and now says I owe £7000 (on the phone he said £4000)

and gave me a list of way to pay them.

 

I have not contacted them again so far and have noticed through searching for help

on the net people mention SB

 

does this also account for me even though this is not my debt it has been taken out in my name and details

 

im not clued up on all this so your help will be appreciated

thanks

[citizenB]

You need to stay off the phone to the Company. You should keep everything in writing.

 

1997 - is this when the account was first started or the last payment made to ??

 

If this were me, I would send a letter to their Head Office/Registered office - it will be on their letter - probably at the bottom.

 

Head the letter "Formal Complaint".

 

Then simply say that you are in receipt of their letters. Having spoken to one of their "aggressive" representatives on the phone you are now insisting that should they need to contact you again, that they only do it in writing.

 

However, you see no reason for them to contact you further, other than to offer an apology and confirm that they have the wrong person.

 

That you have never had an LTSB account - if they believe otherwise, then they should provide evidence of this.

 

DO NOT SIGN the letter, use either a handwriting font or print.

 

HTH

[citizenB]

Statute barred would be where there has been no payment or acknowledgement of the debt for more than 6 years. As this is not your debt then obviously you do not know what has gone before.

 

Until they provide further substantial information and certainly information of the last payment made, then there is very little you can do.

 

You should check your credit files to ensure that no one has been reporting to your credit files in respect of this debt.

[havinastella]

Hi and welcome to CAG.

 

Which laughable DCA contacted you?

[BRIGADIER2JCS]

Which debt collection agency is this please?

 

 

Would you like help with a draft letter .

I may have the name of a senior exec of the company on my files.

[NOT IN BEBT]

a company called global debt recovery ltd....

[BRIGADIER2JCS]

a company called global debt recovery ltd....

Yes well known for the "bad attitude'' and telling people that they are telling lies.

[BRIGADIER2JCS]

This can be stopped easily, if you need help let me know.

[NOT IN BEBT]

sorry brigadier taking my time replying , I need a lot of help and would be very grateful yes, im a family man and im finding this really worrying so yes would love your help

thank you

[BRIGADIER2JCS]

sorry brigadier taking my time replying , I need a lot of help and would be very grateful yes, im a family man and im finding this really worrying so yes would love your help

thank you

No problem, this must be most worrying for you!

 

 

I will draft a letter for you all you will need to do is " fill in the blanks"!

[NOT IN BEBT]

that's great thank you very much! good to talk to someone who knows their stuff.

[BRIGADIER2JCS]

that's great thank you very much! good to talk to someone who knows their stuff.

I'll do my best for you!

The Compliance Director

Global DR

Use the New Malden Address

 

 

Date..........:

 

 

Ref: Use the one on their letter.

 

 

Re: Formal Complaint/ Mistaken Identity/ Abusive Conduct.

 

 

Sir/ Madam,

 

 

I refer to a letter from Global DR dated xx.xx.xxxx, in which it is alleged that I owe a debt for £xxxx.xx originating from an account with xxxxxxxxxxx, please take note I do not acknowledge any debt to Global DR or any company it may claim to represent.

 

 

I Mr xxxxxxxxx, formally state that I am not now nor ever have been a customer/account holder with xxxxxxxxx and have not contact with this organisation.

 

At this point I remind you of the OFT Guidance on Debt Collection and the section regarding contacting alleged debtors when it is uncertain that you have contacted the person that actually owes a debt.

 

 

You are also reminded that The OFT states that it is unfair to require an individual to prove that he is not the debtor who owes a debt.

 

 

I am also most concerned about the conduct and attitude of your telephone operative during a call on xx. xx. xxxx during which this person openly accused me of telling lies, in my opinion this member of your staff is in urgent need of retraining or dismissal.

 

 

For clarification I am not the debtor you seek. I have never been a customer of xxxxxx and do not acknowledge any liability for this alleged debt.

 

 

I now Require Global DR to close its file on this matter and remove ALL data relating to me from its records with immediate effect.

 

 

Global GR will confirm in writing within 7 days from the date hereon that it has complied with these instructions.

 

 

This is a formal complaint allowing 56 days for investigation and response, however given the seriousness of the accusations made about me it should be dealt with immediately.

 

 

I will make complaints to the relevant regulators.

 

 

OK use recorded signed for post, check delivery.

 

 

I would suggest checking credit reference file to, Noddle is free on line.

[NOT IN BEBT]

thank you so much, do I print this up or hand write it, also do I sign the letter at the end or just let them find me via the ref number? sorry to sound dumb, also what do I do if they continue to hound me after receiving this letter?

[havinastella]

Print, don't sign, sue them!

 

Jogs

[BRIGADIER2JCS]

thank you so much, do I print this up or hand write it, also do I sign the letter at the end or just let them find me via the ref number? sorry to sound dumb, also what do I do if they continue to hound me after receiving this letter?

Print would be best.

You can use a "hand writing" font to sign or a slightly altered version of your signature.

 

 

If they do not comply then we start on a different tack

[BRIGADIER2JCS]

We can consider a " letter before action" when we get a response.

Just come back here if /when you need further help.

[NOT IN BEBT]

thank you so much for this I have just saved it and will get this sent tomorrow by recorded delivery as you said, will keep you posted once I get a reply! I really appreciate your time tonight brigadier

[NOT IN BEBT]

having such a rush to grab advice have made my name on here as not in bebt instead of debt :/

[BRIGADIER2JCS]

having such a rush to grab advice have made my name on here as not in bebt instead of debt :/

You are most welcome to any help I can give!! Imo your user name is fine!

[NOT IN BEBT]

great stuff! ill keep you posted when I hear any news.

[dx100uk]

just incase you haven't picked it up so far

 

DCA's are NOT BAILIFFS

 

and have

NO SUCH BAILIFF LEGAL POWERS.

 

dx

[NOT IN BEBT]

dx100uk does that mean they cant really touch us then? by their say so this debt is from 1997 which is over 16 years ago! do they have any rights at all to keep bothering me? thanks!

[BRIGADIER2JCS]

dx100uk does that mean they cant really touch us then? by their say so this debt is from 1997 which is over 16 years ago! do they have any rights at all to keep bothering me? thanks!

These companies will pick up on accounts of some value and however they maybe they will attempt to collect, generally they hope the alleged debtor has no idea of their rights, the Consumer Credit Act, and the Limitations Act 1980.

[BRIGADIER2JCS]

great stuff! ill keep you posted when I hear any news.

 

 

A thought: Please add as the final paragraph to the letter;

 

 

Having researched the status of this alleged debt I have concluded that it is statute barred ( sect.5 Limitations Act 1980) therefore no payment will be made now or in the future.

I refer you to Appendix B of OFT Guidance 2003/2006 (updated Nov. 2012.)

[NOT IN BEBT]

ok will add that thank you just in process of doing my credit check with noddle!