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    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
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    • Hi    Thank you for answering my questions.   As you have not contacted Goskippy about AX stating they were acting on there behalf you need to contact Goskippy urgently and ask them to verify that AX are acting on there behalf. (you need to know if what AX stated is correct)
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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ive been out of work for 5 months living on my over draft of £1500

 

 

i always had this under control when i was working and was hardly in it,

 

 

now the bank keeps putting £31 a month interest on top which has now put me in a unplanned over draft of £132.00 totalling my overdraft now to £1632.00

 

I had lloyds tsb send me a letter saying i must settle £132.00 by this day and if i dont they will pass it on to solictiors etc.

 

i phoned them saying i can make a payment of £5.00 per month until i get back into work but they said no.

 

their solicitors want me to pay the full £1632.00 and state daily interest will occur as well

 

 

now i feel there is no way out for me

 

 

what is the point in me making an offfer of repyament if these are sticking daily charges on top of it until it is out of control.

 

Now they are demanding i pay the full amount within 14 days

 

Lloyds TSb even made me fill out an Income and expenditure form then didn't bother replying back to me then i get this letter.

 

What can i do ?

 

 

end of the day they should freeze all interest and charges so this can be cleared.

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Make a formal complaint to the Banks CEO stating that you

were asked for an I&E have sent it and it has been ignored.

Ask for interest and charges to be frozen and repeat your

offer of payment.

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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i made a formal complaint to the CEO see if he replies how long does it usally take for them to reply

 

ive also done abit of research to this and it says that SCM solicitors is an in house solictior firm for Lloyds tsb, Halifax and RBS

 

also read that they have no power to do anything and been told that i control how much i pay them back per month not them

 

i actually beleive it is in house because ive tried googling there website and nothing comes up in google also there is no correspondance email on the letter

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Inhouse legal departments can when instructed issue court proceedings,

what you have received appears to be a default notice giving you time to

bring the account back into line.

 

If it is not done then a default will be placed on CRA files.

Have you at any time asked for the interest to be frozen?

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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Yes

Brigadier is correct write a letter recorded delivery requesting the interest to be frozen and charges to be stopped I have done this but no reply

I personally lloyds don't give a damn

Time will tell

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  • 2 years later...

Hi guys

 

Received a letter this morning about a overdraft i have had on payment plan for about a year now,

 

 

They sent me numerous letters over the months telling me i need to amend my payment to them

as i was only paying £5 a month due to my financial circumstances

 

 

with just getting back into work and Christmas coming up

ive had to pay for other things but kept up my payment plan with them until further notice

 

This morning i got this letter saying they have passed this debt on to Moorcroft to recover the full amount

and now i must deal with them even though i have paid the £5 every month without missing a single payment.

 

They have done nothing but harass me lloyds over the past 6 months

 

Do i have anywhere to stand here ?

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if you are comfortable with it, when moorcroft write to you,

 

simply tell Moorcroft, in writing, that you will be continuing with your

 

arranged payment of £5 per month.

 

Do not let them bully you into paying more than you can afford

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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or totally ignore Moorcroft

 

 

they don't own the debt LLoyds do.

 

 

so they cant do ANYTHING to you.

 

 

so the powerless DCA can go away off.

old & new threads merged

 

 

did you write and succeed in getting interest and charge frozen?

 

 

if not I question you paying them anything at all.

 

 

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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you could add that you will deal with the matter in writing only and that if you have to deal with too many letters or receive telephone calls, you may have to reduce the fiver ...

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if you do contact them, remember in writing only

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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as post 9

 

 

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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When you arranged your repayment with Lloyds, did you get it in writing?

 

If so, what exactly did their letter say?

 

Write Moorcroft a one liner, telling them you owe them nothing and are dealing directly with the Bank, Moorcroft are the worst kind of DCA, All bark and no bite. I don't think I can ever remember them taking anyone to court and they have NO legal power at all.

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I didnt get it in writing

 

 

i sent a complaint via email, on my old email address which has now been closed down,

 

 

they phoned me and said they would accept the £5 payment plan

 

 

and passed me their sort code and account number for a standing order which i have kept on top of while i was out of work

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oh dear the red letter next....

 

 

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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Share on other sites

you're learning!!

 

 

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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Been down this path - my action was - write to Moorcrap stating you are paying the OC as per a payment plan and will continue to do so and will not communicate with them further.

 

At same time lodge a formal complaint to Lloyds for passing to a DCA when you have an agreed payment plan (they have been accepting payment so implicit agreement) and have stuck by it - tell them you will continue paying them and only them.

 

Intend

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