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:|

[AndyOrch]

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

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Moorcroft are collecing payments and sending letters

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

[dx100uk]

whom was the claimant ?

 

bet it wasn't Lloyds in 2013!!

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whom was the claimant ?

 

bet it wasn't Lloyds in 2013!!

Yes it was Lloyds solicitors in 2013

[AndyOrch]

SCM (Sechiari Clark & Mitchell ?

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Yes sorry you're right it was 2009

[dx100uk]

Who was the claimant and the solicitors please

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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

[dx100uk]

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.

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Moorcroft have said they will offer a discount can they do this ?

[dx100uk]

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

[AndyOrch]

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

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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

[dx100uk]

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?

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'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

[dx100uk]

well go ring Lloyds and ask about this discount then.

 

dx

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Shall l just ignore Moorcroft then? I did try to ring Lloyds on the original no on the Tomlin order it's not in service now

[AndyOrch]

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

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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

[dx100uk]

ignore Moorcroft!!

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

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Thanks for advice

[AndyOrch]

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.

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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

[AndyOrch]

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