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    • Thanks. Yes I'm planning on speaking to a lawyer but wondered if any frequent here. Mum won't be living in her place once Dad passes as she is not very mobile, she'll be with our daughter who has a suitable room in the short term until we purchase another property. As far as she's concerned her property will be cleared and placed on the market as soon as Dad's passed. Partly due to it being too big and costly for her to keep running.
    • A few people are working hard to find out what contracts haven't been published yet, aren't they? It doesn't seem easy and I'm concerned that as HMG has been caught out, they will try to suppress ways that people are entitled to get information.
    • Hi.   I think you may need advice from a wills and probate lawyer on this, to make sure everything is right. especially given your father's problems.   If you want to do your own research, the CAB website is quite good and there may be others I don't know about.   One thing I can see a potential problem with and we're asked this a lot if you look around the General Legal forum, is your parents' house being transferred to you and your mother continuing to live there if she doesn't pay you a commercial rent. Have a read online about Retained Interest.   HB
    • and further referring to wasted money It would appear that the PPE bill for contracts awarded to Tory populist mates without either competition, basic requirements suitability vetting, or proper reporting to parliament is actually around 18 billion pounds rather than 12 billion pounds ..  despite Johnson 'the Liar' repeatedly lying about it to parliament .. all for about 2-4 billion pounds worth (still at inflated prices) at best of usable PPE   Including it seems things like: Paying a Tory populist pal middleman with no experience 27ish million pounds (20%+) 'finders fee' to get some mostly unusable PPE at 4 times the normal price or more - about 127 million pounds for about 25 million pounds worth of PPE .. if it had all been usable   https://www.independent.co.uk/news/uk/politics/boris-johnson-covid-contracts-court-b1813003.html     heres the Tory populist accounting basics instruction page https://www.rankred.com/biggest-financial-frauds/
    • Not sure if the above issue is covered in this group but if so I am after some advice.   My Dad is in his late 90's and on his death leaves everything to my Mum, also in her 90's but housebound. It is our intention and the request of Mum that when Dad has passed that the property she is currently living in is sold, we sell our property as well and we purchase a property with an annexe and self contained toilet / shower facilities where Mum could live out her days with us. There is no way on this Earth that she would go into an old folks home and it's certainly not on our agenda. Our daughter is their registered carer who currently looks after them.   Mum's Will as it stands at present states that I inherit her estate on her death.  She is talking about transferring the property she  currently resides in to me so that I can handle the sale of both properties. As her Will currently stands, the property she is living in will have already been sold so the Will won't be applicable. Could she change her Will now to state that on Dad's passing her property passes to me or can she gift the property?   The simple thing would be for Dad to change his to state that the property transfers to me but he is currently suffering with dimentia. He hardly knows what day of the week it is and gets very confused and agitated.   Any advice would be grateful. Thanks
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Global Debt Recovery chasing 1997 lloyds debt not even mine!!


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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

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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

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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.

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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a company called global debt recovery ltd....

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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

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!

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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"!

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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.

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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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?

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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

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

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

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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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!

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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just incase you haven't picked it up so far

 

DCA's are NOT BAILIFFS

 

and have

NO SUCH BAILIFF LEGAL POWERS.

 

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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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.

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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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.)

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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