Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Composing letter to Lowlife - old lloyds credit card debt


Gumboil
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3143 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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

 

Link to post
Share on other sites

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

 

Link to post
Share on other sites

  • 11 months later...

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.

Link to post
Share on other sites

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

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

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

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

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

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

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

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • 11 months later...

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.

Link to post
Share on other sites

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

Any opinion I give is from personal experience .

Link to post
Share on other sites

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

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... 

Link to post
Share on other sites

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

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... 

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

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... 

Link to post
Share on other sites

sri posts crossed.

 

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... 

Link to post
Share on other sites

good ok

 

is it on your cra file?

 

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... 

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

DSAR Unit,

Lloydslink3.gif 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

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...