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    • Don't read horror stories online as they will mostly give you a pessimistic outlook.   With tax credits, if you fail to report changes, once you get around to report the changes, they will calculate the overpayment. They will then send you a letter confirming how much you owed.  The letter will ask you to phone them to discuss repayment options and you just go through all of your current information to work out the best way forward. Usually, you just enter into an arrangement to make affordable repayments over a long period, if the amount is quite large.   So please do not worry.  The situation is not as bad as you currently think. There are thousands of other people who go through the same process every year.  This is a failure to manage your administration and not anything which would mean any action apart from repaying the overpaid amount.
    • You won't go to jail. Of course lots of questions are going to be asked – but the very best thing you can do is to contact them on Monday and be completely open and honest about what has happened. Hopefully other people with greater expertise will come along – but certainly you need to open up completely on Monday and be completely straight dealing
    • hi ya welcome aboard.   1st stop fretting. it really is no big deal.   and no you won't goto prison and no you won't be separated from your daughter nor you grans budgie get hanged.   2nd sTOP reading silly internet horror stories if you read here on CAG you'll find NOT ONE person had any of those happen most simply came to an arrangement.   have a read of these https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=tax credit over payment 2019&oq=tax credit over payment 2019&gs_l=partner-generic.3...18651.20505.1.20835.5.5.0.0.0.0.70.342.5.5.0.gsnos%2Cn%3D13...0.1849j857779j5...1.34.partner-generic..28.0.0.0uw5-28QsxE then comeback with any outstanding issues.   dx  
    • Thank you UncleB I have only realised what is going on in the last few days.  So now confronting the situation  and trying to work out what I need to do urgently.   I get that delay is not my friend. Yes I understand they can proceed in my absence.  So I need to stop that.    They had the ability to ask me where I was and didn't - they started a SD/B process knowingly behind my back so I wouldn't have the opportunity to discuss/challenge etc.   The question is what do I do now? How do I contact them? Do I email the bank and receiver - ask for an update on the sale process and at same time attach a SAR on the basis of getting to the bottom of all the costs and finding out about correct assignment of a loan?  Should I take this opp to also say I now know about the SD?     That it has just been brought to my attention that they have been bizarrely delivering mail to relative without making any attempt to contact me directly by email? Would they now need to serve the SD properly?  And thus I would now have the correct timing to respond - 18 or 21 days ? I am just concerned that they want to by-pass the SD and immediately push ahead with B petition - which would seem unfair advantage to them.   Can they?        
    • docs now redacted properly and file size reduced.   no T&C's and ripped off for useless warranty.   one point : sept 2015 they sold it to lowells now why? you were upto date no arrears. strange. there must be a reason.   i'd send an sar to hitachi now and find that reason poss in the comms log   pers as andy says id ignore them for now   a DCA is NOT A BAILIFF and have no more legal powers than you or i   dx      
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Hotmonkey

robbersway/cohen chasing OH's old LLoyds loan 'debt'

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Hi looking for some advice on a debt that has now been sold on and being dealt with by robinsons way...

 

My husband took the loan out in 2008 with lloyds

we think the last payment was made in 2010 but not sure

 

 

however since then we have had letters from different dca's and

 

 

the latest one being robinsons way who now own the debt,

 

 

letter says that we have 10 days to get in touch with them or they are passing on to howard cohen solicitors who may start court proceedings,

 

 

should we be sending a CCA?

 

 

And does this acknowledge the debt?

 

 

Any help appreciated as no idea what we should be doing and the best way to now deal with this!

 

 

Thanks

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Yes, send the CCA request immediately - note the over use of the word "may" rather than "will".

 

Perhaps you could let us know a little more about the debt. What is the value ? Do you know if there are any default/penalty charges added to the account. Was there any PPI added that might have been mis sold.

 

Were you in dispute with LTSB at the time of the last payment ?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**


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

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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.

 

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Value of the debt is £19k, about 4-5000 of this is charges and interest after we had asked them for help, and they refused

 

 

We ran into difficulty as my husband was self employed at the time and work was non existent!

 

 

No ppi on it as far as we know.

 

 

Where can I get a template cca letter?

 

 

Thanks

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http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

You can also send Lloyds a SAR to get the full history of the account, which will show not only the amount of reclaimable charges, but also if you had any PPI on it.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for response..

 

 

Can anyone tell me it says on the letter that our 'account is due to be transferred to howard cohen in the next 10 days'

will they definately transfer it or are they trying it on?

 

Also which part of the act in the CCA letter should I be using.

 

 

.. It's for a personal loan I'm getting all confused!

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CCA request

 

 

then read the posts further down under the letter

 

 

as for the DCA / sols IGNORE THEM.

 

 

unless a claimform arrives

 

 

go get all the info CCA cabot /SAR to LLOyds

 

 

 

 

as to advised


please don't hit Quote...just type we know what we said earlier..

 

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Ignore DX about CCA to Cabot :p

 

Theyve drunk too much this weekend.

 

Your CCA should go to RW...

SAR to Lloyds...

 

If a claim form does arrive, let us know :)


 

We could do with some help from you.

 

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Do you mean ignore them and not even send a CCA request until a claim form arrives...

Or do a CCA request anyway?

Sorry for being a bit thick just want to get it right!

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Ok thanks am doing it now

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When We request the sar will it mean we then would have to acknowledge debt

 

 

if they send info they hold about it even if the CCA request is not met?

 

Where do I find the address for lloyds to send the sar please?

 

Sorry bit of a newbie trying to find my way around here!

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No, a sar is just a request for information on your account(s) read all the notes very carefully and try to understand what happened at the time of your defaul tnotice termination of your account. look for PPI or charges.

 

Do a search for the SAR address..

 

good luck and stay positive


WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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comes thru working on numerous new threads today

 

 

sar

 

 

to LLOyds

Registered Office:

 

25 Gresham Street,

 

London EC2V 7HN


please don't hit Quote...just type we know what we said earlier..

 

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I have recently sent a SAR to this address and data file was sent back to the debtor very quickly I used this address

 

 

Lloyds TSB Bank

Data Controller

Subject Access Request Dept.

Tredegar Park

Newport

South Wales

NP10-8SB

 

 

Once you get your package back check it properly and reclaim any fees. Don't forget to sign it. Mark your signature so it cant be copied to a credit agreement just in case that's all.


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I sent the CCA off on Monday morning it still hasn't been delivered/signed for...

Do we send another one or just wait?

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Sometimes the post office domt upload signatures so dont worry its early days yet


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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you do nothing more now till/if they respond or not until 12+2 working days. expires

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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How do I know when the 12 days is up though if I can't see when it was delivered? Do I count from day I posted?

Cheers for your replies you've all been so helpful :)

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from the day you sent it

that's what the +2 days is for

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Hi... Just an update.. Thanks for all your help!

 

 

Nearly a year on and they have finally responded

saying they are unable to provide any of the information requested

so are writing the debt off and clearing it from the credit history!

 

With out the guidance of you lovely people we may not be in this position now!

 

So thank you all and have a lovely Easter!

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Hi... Just an update.. Thanks for all your help! Nearly a year on and they have finally responded saying they are unable to provide any of the information requested so are writing the debt off and clearing it from the credit history!

With out the guidance of you lovely people we may not be in this position now!

So thank you all and have a lovely Easter!

 

Aah! mate so pleased for you.. worth the effort after all.

 

Relax now & enjoy the weekend.


WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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hey well done

dx

 

 

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please don't hit Quote...just type we know what we said earlier..

 

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Result and well done. Best keep an eye on your credit history just in case.

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