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LLoyd/SCM Tomlin order - can i reduce payments?


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Hi

 

I signed a tomlin order to stay a ccj in 2013 ordered to pay £10 pm

Which was with Llodys Bank

I have adjusted amount to £5 pm as l didn't realise it had been sold to Moorcroft who are saying l have defaulted

Can they enforce the Tomlin order which was with Lloyds Tia:|

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Moorcroft dont buy debts...who are they acting for ...?

 

And no you shouldn't reduce payments agreed by way of a Tomlin Order.

 

Regards

 

Andy

We could do with some help from you.

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whom was the claimant ?

 

bet it wasn't Lloyds in 2013!!

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... 

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SCM (Sechiari Clark & Mitchell ?

We could do with some help from you.

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Who was the claimant and the solicitors please

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... 

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Share on other sites
Who was the claimant and the solicitors please

The claimant was Lloyds bank and they used their own solcitors they could have been those solicitors

 

SCM (Sechiari Clark & Mitchell ?

Yes these solicitors sound familiar

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Moorcroft are collecing payments and sending letters

I am thinking maybe l should pay arrears with them ? Thanks

 

so now we know

and yes if the arrears they mention equal your multiple £5 light payments

then make up the shortfall

 

just one final question please

 

who on their letters do Moorcroft state as their 'client'

if ifs lloyds/scm then off you go and pay

 

if its not then tell us who.

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... 

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Share on other sites

not if it breaks the tomlin.

 

who are their clients please?

 

can we see this letter please

scan it up to one multipage pdf

read upload

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... 

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Share on other sites
Moorcroft have said they will offer a discount can they do this ?

 

Can we have all the details please instead of being drip fed...you didn't mention any discounts in your initial post ?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Sorry the original order was in 2009 the solicitors were SCM for Lloyds Bank it was a credit card

 

I have been paying a standing order for £10 until last year when l dropped it down to £5

 

moorcroft began writing saying l had defaulted on payments and stated We have not received payment under your agreed arrangement if you are experiencing difficulties or arrangement no longer affordable ring their fully trained staff 《standard dca stuff)

 

then another a month later saying a doorstep caller would call ( never did )

 

then last month stated their client that they may be able to offer a substantial discount

 

I haven't had anything else yet

 

l dont know what to do

 

But l am worried about calling them as they ask they dont say what the discount is ....Thanks

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well no you don't call Moorcroft no never

powerless DCA.

 

now one last question

and think I've asked this 5 times now

who do Moorcroft state is their client please?

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... 

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Share on other sites

're Lloyds Bank plc is written at the top of the letters

 

but they just say "Our client has informed us they are willing to offer you a substantial discount from your outstanding balance", but they don't say how much Just the call us within 14 days routine

 

're Lloyds Bank plc is written at the top of the letters but they just say "Our client has informed us they are willing to offer you a substantial discount from your outstanding balance", but they don't say how much Just the call us within 14 days routine

 

Sorry edited clients are Lloyds Bank plc

They have stated

Our client has informed us that "@We " may be able to offer a substantial discount from you outstanding balance

This means if you are able to pay an acceptable sum within the next 14 days "We" will not persue the remaining balance of the debt ...Thanks

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well go ring Lloyds and ask about this discount then.

 

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

But its Moorcroft that wants you to ring...not LLoyds or SCM...I doubt they are even aware that there is a Tomlin Order in force or the legal consequences and how to change the terms of a Tomlin Order.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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ignore Moorcroft!!

they only chase and are a DCA with ZERO legal powers...as all of them are!!

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
So where does that leave me with the reduced payments?

 

Can they enforce the order or should they send account back to Lloyds l don't know where l stand

 

Moorcroft cant do anything as already advised....but I would reinstate the payment to £10 pm ...its really not worth the hassle for an extra £5.......which you cant just decide to change...you have agreed and consented to the fixed payment.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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Thank you l understand the process now think l might ring the court for advice as l,m not really happy paying Moorcroft

 

Court cant advise...nothing to advise on...ignore Moorcroft and you must not pay them a penny and reinstate the payment to £10

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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