Composing letter to Lowlife - old lloyds credit card debt

[Gumboil]

Bran Carter sent me an account review letter a couple of days ago advising me to contact them by phone to discuss my "proposed repayment plan"

[ims21]

Hi Gumboil

 

Take control of this yourself....do not be bullied by these people. You can't pay them what you aint got!

 

This is your money not theirs. You tell them what they are going to get and not the other way round.

 

Do a search on this site for Bryan Carter and you'll find loads of info about them which may make you feel better.

 

As long as you are paying something they wion't go near a court.

 

Don't engage in telephone conversations with them. Everything in writing and keep copies of anything you send and anything they send you. Forget your Bryan Carter embossed card. Pay them on line or set up a standing order (Not a Direct Debit though)

 

As I say, have a read around about these collectors and you will find that they are full of threat-o-grams.

 

You control this, not them.

 

ims

 

ps....if Bazooka Boo offers a letter template to use, I can highly recommend them.

 

ims

[ims21]

Bran Carter sent me an account review letter a couple of days ago advising me to contact them by phone to discuss my "proposed repayment plan"

 

 

NO NO NO.....do not deal with them on the phone:nono:

 

They will try all kinds of underhand tactics to intimidate and put the frighteners on.

 

ims

[Gumboil]

I sent a CCA request to Bryan recently with a £1.00 Postal Order. Bryan wrote back that I needed to contact Arrow Global, to request the documentation and returned the Postal Order. In the meantime, Bryan would suspend collection activities on the account for a period of 14 days to allow me to contact Arrow Global.

 

I wrote the identical CCA request to Arrow Global at the address Bryan provided - 12 Booth Street, Manchester. The letter was sent by recorded delivery over a week ago. I've continued to check delivery via Royal Mail Track and Trace but the service is showing that Royal Mail have the "item" and is progressing it through their system for delivery.

 

I'm concerned that I can't confirm delivery like this as I normally print off the signatory as proof of delivery. Also, if I can't confirm delivery, Bryan could theoretically begin to resume collection on the account shortly.

 

Could you provide me with some advice please? Thank you.

[renegadeimp]

Royal mail take forever to update their systems. Call royal mail and see if its been delivered yet.

[Stigman]

Hi,

 

What Bryan Carter told you was wrong, he knows it full well, Bryan Carter should have passed this on to Arrow, not you to do his work for him!

 

If 12 + 2working days have elapsed since you sent Bryan Carter the CCA request, then send him this http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

This lets BC know that you at least know your rights.

 

Onto the debt itself, can you please post up details of what type of debt this is (i.e. Credit Card/Loan/Overdraft etc.), the approx dates of last payment etc.

 

Have you checked your Credit Reference Files to see if the debt is listed?

 

Stigman

[Gumboil]

Thanks both.

 

Stigman, it was a credit card debt that I'm paying off at under £10 per month via a BC payment card. Last payment about one month ago.

 

There have been further developments though. I've received a further standard letter from Bryan stating that I have now failed to honour the repayment arrangements. They are giving me 5 days to put the matter right. They suggest that I may wish to seek independent legal advice.

 

It's seems that whoever sent this letter was unaware of the previous letter they sent me providing the 14 days suspension of collection activities on the account. Or is it that Bryan is now trying to harass me?

 

At face value, it would be easy to send off copies of the 14 day suspension letter and the one I've just received to Bryan along with something along the lines that I consider they are now harassing me. Would this be the best thing to do? How strongly do I need to word it?

 

I've not checked my credit reference files. The 12+2 days have not elapsed yet.

 

Thank you.

[renegadeimp]

i'd guess theyre trying to harass you. BC arent exactly known for good business ethics.

[Gumboil]

Thanks renegadeimp.

 

What's the best thing to do now? I'm not keen on phoning Bryan.

 

Thank you

[renegadeimp]

Thats good. You should never phone them anyway. Letter or email only.

[Stigman]

I've received a further standard letter from Bryan stating that I have now failed to honour the repayment arrangements. They are giving me 5 days to put the matter right. They suggest that I may wish to seek independent legal advice.

 

I've not checked my credit reference files. The 12+2 days have not elapsed yet.

 

As soon as the 12 + 2 working days have elapsed, send Bryan Carter the in-dispute letter, the letter you received is a bulk standard threatogram with no human input (apart from your postman posting through your letterbox and you opening it).

 

You can sign up for free with the various credit reference agencies on their free trials, but please remember to cancel before the 30 days have elapsed or you will be charged upto £14.99 pcm.

Once signed up, either download or printoff a complete copy of your credit file for your reference.

 

Stigman

[NailPost]

Bryan may decide to issue a court claim to get hold of your cash. Don't be alarmed. This could be a bad move on his part. By defending the claim you will be able to put him to strict proof that he has all the documentation in place to chase the debt. If he has already said he doesn't that suggests there are none. You've been paying a sum which the judge may decide, after considering your circumstances, is too high and BC may end up with even less.

[Gumboil]

Hi all

 

I’ve been repaying a debt I built up on a Lloyds credit card to a company called BLS Collections for a number of years.

 

I understand that BLS Collections are a debt collection subsidiary of the bank itself and no outside DCA has ever been involved.

 

I repay the debt of under £10 pm via a standard Lloyds paying in book over the counter at my local Lloyds bank branch each month.

 

Lloyds supply a new book when appropriate.

 

The debt balance currently stands at £600 odd pounds.

 

Payments have always been made in a timely fashion and I’ve heard very little from BLS Collections over the years

 

I’m seriously ill right now with severe heart failure and cirrhosis and I’ve just come home from 9 weeks in hospital – it looks like I need a heart transplant.

Two of the monthly payments were not paid as a consequence - I've never missed a payment before.

 

I’ve been greeted by a letter from LloydsTSB Credit Operations in Rosyth on getting home,

stating that as they “haven’t been able to agree a suitable repayment plan” (with me, presumably),

they’ve transferred the credit card to Wescot Credit Services based in Hull.

 

They’ve “instructed Westcot Credit Services Ltd to arrange collection of the outstanding amount”

 

They now want me to contact Wescot to arrange to pay back the outstanding balance and have provided the relevant contact details.

 

Now I’m absolutely certain that no one from BLS Collections or LloydsTSB has tried to contact me during my period in hospital to discuss a “suitable repayment plan”

– I have been paying the same amount for around 12 years to BLS Collections.

 

It looks to me that they’ve taken the opportunity to palm off the debt.

 

On the other hand, does the statement that they’ve instructed Wescot to arrange collection mean that they have not sold the debt to Wescot?

 

The reason I ask is that I still have the Lloyds paying in book

and I assume I could make a payment at the bank in the usual manner next week,

effectively bypassing the DCA.

 

Would this be the best thing to do?

 

I have no intention of contacting Wescot, but I would be very grateful if you could recommend the best course of action from here.

 

Thank you all.

[fletch70]

When was this credit card taken out?

 

If i were you i would still make the payments as you have been doing.

 

Wets do not own the debt just collecting it.

 

If the card was taken out pre 2007 you could **** wets off by sending a cca request

[dx100uk]

so yet another of your debts you are still paying...

 

did you get those CCA's off that were advise when discussing your debts on your last 2 threads?

 

dx

[Gumboil]

Credit card was taken out in the late nineties.

 

Yes dx100uk I did get the CCA's off as advised. It's gone quiet ever since.

[dx100uk]

that's because like all you other debts

 

we discovered you were being cash cowed.

 

ok so you sent the CCA.

 

did you following it up with the failure to comply letter?

 

hope you have ceased payment

 

dx

 

 

did you

[Gumboil]

This one was the last debt.

 

I continued to pay this as it seemed to be the only one that was effectively still held by the lender and not sold off to a DCA.

 

It just seemed as if the lender was in a stronger position when it came to recovering the money.

 

I really don't know if I was right or wrong in this decision.

[Gumboil]

Yes,

payments have ceased and they were followed up with a failure to comply letter.

 

One of them did send me a clear, lucid copy of the original agreement

but omitted to meet their other obligation which was to provide the current terms and conditions.

 

They waffled off a reply when I informed them that they still had not complied

that as far as they were concerned they had complied with my request and I've heard nothing since.

[dx100uk]

you really should have followed it up.

 

I think you need to sar Lloyds

 

to get the full picture

 

who did you send the cca too?

 

is this on your cra file too?

 

dx

[dx100uk]

sri posts crossed.

 

dx

[dx100uk]

good ok

 

is it on your cra file?

 

dx

[Gumboil]

I've just discovered that the address on the Lloyds letter ( Lloyds TSB Plc, Credit Operations, PO Box 66, Rosyth, KY11 2WG) is actually the same address and PO number as a company called Blair, Oliver and Scott who seem to be the in-house collection agency of HBOS according to other posts on this forum. Curiously, no contact telephone number is included on the letter

 

Now I'm puzzled. Can I use this address to write to requesting the SAR? Do I address the letter to Blair, Oliver and Scott or LloydsTSB at that address? Alternatively do I write to BLS Collections? I've got no other address for LloydsTSB.

 

I've not sent off a CCA request to Lloyds.

[Gumboil]

The Lloyds paying in book quotes a "Collection Account" at a Lloyds address in Brighton as the account to be credited.I've got no idea if this account is being monitored from Brighton, Oxford or Rosyth right now.

[dx100uk]

DSAR Unit,

Lloyds TSB BANK PLC,

Customer Service Recovery,

Charlton Place,

Andover,

SP10 1RE

 

 

for future cag ref use

 

whenever you need the address

always goto the homepage of the forum you are in.

 

i'e this one is Lloyds bank forum

 

goto the top of the page

 

click the blue Lloyds between the

 

scroll down to the yellow/red stickies

 

every bank forum has them

 

 

dx