Marlin chasing old Lloyds Loan - poss statute barred debt

[Bazooka Boo]

April 24th 2009 is the date on that upload.

 

Top left hand corner, although it is an office stamp.

[amphiprion]

Hi basooka thanks for that, I could make out the april 2009 bit but not the rest, your eyes are obviously bettermthan mine! however I think that is some kind of archiving stamp. I dont think that was the actual date of the agreement. That was a few weeks before.

[Bazooka Boo]

Yep, no worries, I didn't think it was the date of agreement, obviously an internal office stamp,? but is it in the same ball park area of when you took the agreement out?

[amphiprion]

Just checked and agreement was made first week of april. That stamp must record the date it was placed in their archives!

[Bazooka Boo]

Could well be yes...

[amphiprion]

Oops a little advice needed please!

 

Ive not heard anything from them for three weeks, no phone calls and a letter came this week (probably the weakest begging letter so far)

 

In the past they have always called me on my mobile number which ive had about 20 years.

Today I got a call on the landline, its a newish x directory number in my partners name.

 

The callers asked for me by name and when I confirmed it was me she told me she was from cabots.

 

I made the excuse it wasnt a good time to speak and they said they would call again in the morning.

 

I have not got a clue how they have got this number and I feel like ive sort of given the game away now!

 

Does anyone have any advice on how I should handle it when they call back tomorrow

I dont want them bothering other people in the household!

 

Thanks in advance.

[dx100uk]

please remove my number forth with

put the phone down.

 

 

dx

[amphiprion]

And if they continue to ring?

[Guest]

when is your 'poss barred' date?

[amphiprion]

Well technically its already past, but the bank continued to .pay it via a delinquent exceeded overdraft so in their eyes its 1.5.16

[Guest]

ok. havent looked back on thread. was just wondering whether could leave things alone (endure) for abit rather than writing now about the phone calls and giving them a nudge.

[amphiprion]

Thats what ive been trying to do so far, but they caught me by surprise by calling on the other line, im at a loss as to how they have connected me with that number as its in a different surname.

Do you have any suggestions as to how I should deal with it?

Edited March 10, 2016 by amphiprion
spelling

[dx100uk]

let it run.

prob financial linking in credit file

[amphiprion]

I dont understand it, I never give that number out! So I just dont answer it?

[Bazooka Boo]

I never understand why people readily confirm their details when they have no idea who it is phishing for personal information.

 

The fact that you're X directory doesn't mean that they can't get your details, you also need to ask your provider to withhold your CLI number too, this saves you having to remember to hide your number before you dial out.

 

Anyhow, it's done now, when they ring, laugh and hang up, repeat the process, and keep a diary of events with a view of reporting them for the criminal offence of harassment.

 

It's your landline, so you choose who it is you wish to talk to, if a stranger is asking you who you are, or to confirm your name, then either hang up or tell them you need them to confirm who it is before you will give these details out, usually DCA's will claim that due to data protection, they can't divulge who they are until they know they are talking to the correct target, it's at this point, you just laugh and tell them to go go take a long walk off a short cliff.

[Guest]

from yr post #79

months payment holiday in march, following payment in feb.

def notice 9/6/10.

creds seem to take loan bars from the def notice if before its end of term. so, may have until june to wait re bar to be sure?

[amphiprion]

Fully agree with you on that one bazooka, im normally very careful, dont know what came over me!

 

Re your last one ford, the bank made the last three payments with their own money, after i had cancelled the DD.

I rang them in feb to expain I couldnt pay any more so they put it on a payment holiday. I never actually paid anything from january 2010!

[amphiprion]

Any last words of advice before they call today?

[Bazooka Boo]

Have you got ''The laughing policeman'' ready to play down the phone?

[renegadeimp]

Why are you so scared of them. Ignore them

[amphiprion]

As ive tried to explain before I suffer from deppression and anxiety and have done for years, was certified as disabled through it a couple of years ago. I dont expect you to understand but stuff like this seems like the end of the world!

I know it seems stupid but I dont have any control over it, but I do appreciate the advice you people give and it does help!

[renegadeimp]

Just ignore them. They have you marked as gullible. If they ring and you answer, don't answer any questions, just put the phone down

[amphiprion]

Ok will do and thanks.

[amphiprion]

And by the way bazooka your humour wasnt lost on me!

[amphiprion]

Well after all that they never actually rang back.