Composing letter to Lowlife - old lloyds credit card debt

[BRIGADIER2JCS]

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.

Blair Oliver Scott =BOS = Bank of Scotland in house collections.

[Gumboil]

Could you please explain the benefit of sending a SAR request to Lloyds rather than a CCA request to the DCA? I also don't understand how BOS are involved in any of this.

 

Apologies for being naive over this.

 

Thanks

[dx100uk]

sar gets you ALL the documentation they hold on your

 

statements, comms log, account details the lot!!

 

a cca request, solely gets you a copy of the agreement & a statement of the CURRENT status of the account.

 

dx

[BRIGADIER2JCS]

Could you please explain the benefit of sending a SAR request to Lloyds rather than a CCA request to the DCA? I also don't understand how BOS are involved in any of this.

 

Apologies for being naive over this.

 

Thanks

 

In addition to dxs answer Lloydstsb Halifax Bank of Scotland (HBOS) all on group which now uses aany one of the in house collections departments of the group.

[fletch70]

Just to add.the SAR may not get you a copy of the agreement. It also costs 10 quid. A cca request will get you a copy of the agreement so you can judge your position. If they can not find one the can not enforce and if they do find one it has to be compliant.

They must send

The agreement

Terms and conditions at inception

Terms and conditions at default

A current balance.

 

All sent together.

[Gumboil]

Ok there have been further developments today.

 

Wetcloths have been quick off the mark and sent me a red headed letter titled "Important Notice of Debt Collection".

 

They state that they have been instructed on behalf of their client to collect the outstanding balance on their behalf.

An adjacent box states that they are writing on behalf of Lloyds TSB.

 

They want me to reply immediately to the letter either by paying the balance in full or contacting them by phone.

These are the only ways I can avoid them taking further action. Failure to do so "will result in further recovery action"

 

I have no intention of phoning them as per the advice constantly given on the forum.

 

However, I'm reluctant to write to Lloyds for a SAR not only because of ten pound cost but also because I still have my one and only current account with them

with associated DD's on fuel and phone linked to the account along with my DLA - Rocking the boat right now with these could cause serious problems.

 

Would it still be worthwhile sending a CCA request to Wetcloths and seeing what develops?

The only other option I seem to have is to wait the seven days they've provided me to reply and see what they do next.

 

Thanks all.

[dx100uk]

'they' wetcloths, can do nothing to you.

 

they do not own the debts.

 

get a parachute account , say with the co-op

 

and get you income paid in there ASAP.

 

you are at risk of off setting.

 

as for any retaliatory action because of the SAR that not possible.

 

dx

[dx100uk]

get that sar done

 

then sit on your hands

 

stop worrying .

 

nothing more you can do till you have the info.

 

dx

[BRIGADIER2JCS]

Just to add.the SAR may not get you a copy of the agreement. It also costs 10 quid. A cca request will get you a copy of the agreement so you can judge your position. If they can not find one the can not enforce and if they do find one it has to be compliant.

They must send

The agreement

Terms and conditions at inception

Terms and conditions at default

A current balance.

 

All sent together.

 

AND any other document mentioned in the agreement.

[fletch70]

tI am still not sure as to why you want to SAR when you haven't yet done a cca request,

[BRIGADIER2JCS]

tI am still not sure as to why you want to SAR when you haven't yet done a cca request,

Time saving and more likely to produce useful data requests lack of CCA have lost impact as a tool.

[fletch70]

On a old debt like this,matter of opinion.

[Gumboil]

I'm not quite following this. Surely the purpose of a CCA is to establish the right of the DCA to collect the debt. Having seen previous DCA's floundering around seeking original agreements (or copies thereof) and "suspending collection activities" until they can come up with the goods, surely a CCA request will fit the bill here again - two of my previous DCA's have backed off since I've disputed the validity of the guff they sent me.

 

The only thing different here is that Wetcloths don't seem to have bought the debt from Lloyds. Would this make a difference?

 

thanks

[BRIGADIER2JCS]

If Wescot are simply assigned to manage/collect the debt they will have to refer all matters back to LLoyds for action, if you want all the data send the SAR which may give info that can clear this up or send the CCA request and start letter tennis all over again.

[Gumboil]

Right, I can see the reasoning now. Thanks

[fletch70]

In my experience wets will suspend all collection activity while they get the cca request from Lloyds TSB. If they can't get one they will send the debt back.

 

If you are after reclaiming go for a SAR if you just want the agreement send a cca request

[Gumboil]

Hi all

 

I've written about a credit card debt originally with Lloyds on here previously.

The debt was managed by their own BLS Collections until I went into hospital and missed a payment,

when without warning BLS sold it on to a string of DCA's one after the other.

 

 

I was annoyed as BLS acted without even asking me why a payment had been missed.

 

I've fended off five DCA's over this debt subsequently

because each of them has failed to supply the original credit agreement.

 

 

Oddly, I even have a letter from Lloyds who wrote to me directly after one DCA request

and admitted in writing that the original credit agreement was unretrievable.

 

This time around Lowlife have been on the case.

I sent them the OCA request and the failure to comply letter a fortnight later as per usual.

 

 

They've backed off after a month stating that they bought the debt from Lloyd's in good faith after being assured it was viable to collect.

 

The problem that I have is that they've not returned my £1.00 postal order and I'm narked about it.

 

 

Yes, I intend to write to them to request the reimbursement but I'm dying to point out to them that Lloyd's knowingly sold to them an unretrievable debt.

 

 

Caveat Emptor as they say. They've been taken for a ride by Lloyd undoubtedly,

 

 

is there some way I could politely point this out to them, possibly with some humour?

 

 

It just goes to show that even the big lenders can deceive DCA's when they sell debts on.

 

Thanks all.

 

Thank you

[renegadeimp]

Just let it go. They cannot collect and they know it. As for the postal order, it's only a quid. Sure, theres more to it than that, matter of principle etc.

 

They know the debt is bad, they dont care the debt is bad. They rely on debtors lack of knowledge to get them to pay up regardless.

[unclebulgaria67]

Hi all

 

I've written about a credit card debt originally with Lloyds on here previously. The debt was managed by their own BLS Collections until I went into hospital and missed a payment, when without warning BLS sold it on to a string of DCA's one after the other. I was annoyed as BLS acted without even asking me why a payment had been missed.

 

I've fended off five DCA's over this debt subsequently because each of them has failed to supply the original credit agreement. Oddly, I even have a letter from Lloyds who wrote to me directly after one DCA request and admitted in writing that the original credit agreement was unretrievable.

 

This time around Lowlife have been on the case. I sent them the OCA request and the failure to comply letter a fortnight later as per usual. They've backed off after a month stating that they bought the debt from Lloyd's in good faith after being assured it was viable to collect.

 

The problem that I have is that they've not returned my £1.00 postal order and I'm narked about it. Yes, I intend to write to them to request the reimbursement but I'm dying to point out to them that Lloyd's knowingly sold to them an unretrievable debt. Caveat Emptor as they say. They've been taken for a ride by Lloyd undoubtedly, but is there some way I could politely point this out to them, possibly with some humour? It just goes to show that even the big lenders can deceive DCA's when they sell debts on.

 

Thanks all.

 

Thank you

 

Funny enough with a relatives debt, Lowells sold it onto another DCA knowing that they could not collect, as the debtor lived abroad. I wrote to the compliance manager at the other DCA saying that Lowells had either made a mistake or had failed to disclose that the debt was unenforceable, plus Lowell had increased the debt amount for no apparent reason. Within a few months the debt was back with Lowells and the debt amount was corrected. They later had to write it off and pay compensation for their conduct.

 

So a gentle letter to Lowells Director of Legal and Compliance advising them that they appear to have not been advised by Lloyds about the true status of the debt and although they buy on a bulk basis, they should be more thorough with due diligence, to save being stitched up.