Jump to content


  • Tweets

  • Posts

    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
  • Our picks

Emma13

Old 2007 LLoyds loan..been paying Apex, now Robbersway want paying as well!!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 214 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi..I'm a newbie here so thanks in advance for your help.

I got into financial trouble in 2007 with an unsecured loan my ex husband got me into (it's in my sole name).

I divorced my husband and missed payments on my loan.

It went into default.

 

Lloyds got Apex involved,

I made an agreement and started paying £60pcm.

Life moved on, the default timed out on my credit file, I moved house but carried on paying.

 

I struggled financially and lowered my payment to £50pcm.

1 year after lowering my payment brings me to present day.

 

Robinson Way have been calling me asking for me by my married name so i made the assumption its to do with this (i have no other unpaid debts).

 

I called them and they confirmed they were instructed by Lloyds in September to collect in excess of £17k

I'm still paying Apex!

 

I said I would not enter into a discussion and asked for a copy of the agreement this refers to,

a copy of the assignment for them taking this debt on and a statement of account.

 

They agreed and said my account would be put on hold whilst they gathered the info.

I asked for this to be put in writing to which they agreed.

I had to give my correct address for this to be sent.

 

Have I done the right thing?

Should I continue to pay?

 

Many thanks

Share this post


Link to post
Share on other sites

urm.. apex are nothing to do with robbersway

 

pers i'd stop paying

which p'haps might have been a wise idea 10urs ago , but these things happen.

 

don't be speaking to these powerless DCA's over the phone nor email

they are NOT BAILIFFS

and have

ZERO legal powers.

 

might pay you to send an SAR to Lloyds

lets check all these payments to the other powerless lot Apex did actually get to Lloyds..[don't hold you breath!!]

 

read the SAR and all its posts carefully

esp if you have moved and legally in writing have not informed LLoyds you have.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

thread title updated and moved to Lloyds forum


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Welcome to cag,

 

 

Unfortunately you've been cash cowed, for years!

 

 

Sray OFF the phone to the powerless parasites now, if they ring in future simply laugh and hang up.

 

 

 

When in 07 did you take this out and how? Online in the bank?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Wow thanks for your rapid reply!

 

I will get all payments checked, I'm assuming they have been taken into account as the balance is less than what it was.

 

I never informed Lloyds of my change to address ....I got caught up in trying to notify everyone else and as I was paying I thought no harm once I realised.

 

You refer to them as powerless but can they not get a ccj against me?

 

I'm really worried about this as I've worked really hard to get to a decent record and don't want them spoiling it

 

If I remember correctly it was online but I think I took it out about 2005 maybe 2006.

It was late 2007 when it defaulted

Share this post


Link to post
Share on other sites

You're way ahead of yourself.

 

 

 

Get them to prove they have the documents to legally demand money off you first

 

 

 

Then there's the question of reclaiming any fees charges and ppi that was on the account.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites
If I remember correctly it was online but I think I took it out about 2005 maybe 2006. It was late 2007 when it defaulted

Cca request then, print one off and get it in the post tomorrow, get "proof of posting " which is free from the po counter, they then have 12+2 days to respond with the agreement, when they don't you can ignore them.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

let's go with some know assumptions for the minute.

 

you didn't inform any of the owners of all your debts your new address when you moved

now that leaves you wide open for backdoor CCJ's

that's where everything is sent to the old address and the first you know about is a CCJ appears on your credit file and/or court bailiffs come aknocking

 

now...don't panic dear..:lol:

as you appear to have kelp a good handle on your credit file, should the above had happened you'd already know

and as its not...to date you've been lucky in certain aspects.

 

the only thing you need to doto check to be 100% sure is go look at your file and check your old address all show in the linked addresses section.

 

now Lloyds..or is it now owned by robbersway [HPH2 ltd]

if it was defaulted in 2007 it wont show on your file as the default has reached its 6th birthday and everything is removed

that doesn't mean a debt is not still owed, but atleast it bats away the threats these powerless DCA's can make by trashing your file again for the same debt..once gone..always gone!

 

robbersway have sent you the latest letter as a phishing trip.

and I suspect they now own the loan but the Notice of assignment was sent long ago to your old address and they've recently searched your credit file and seen the new one..

and as they don't usually chase debts for anyone bar their parent company HPH2 now a days,[it should state their client on the letter] ..odds on they [HPH2] own it.

 

so send robbersway a CCA request

they have 14 working days to comply

 

then we'll plan the next move once the 14 days expires and they fail [odds on they will]

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
Cca request then, print one off and get it in the post tomorrow, get "proof of posting " which is free from the po counter, they then have 12+2 days to respond with the agreement, when they don't you can ignore them.

 

Will do, thank you

Share this post


Link to post
Share on other sites
let's go with some know assumptions for the minute.

 

you didn't inform any of the owners of all your debts your new address when you moved

now that leaves you wide open for backdoor CCJ's

that's where everything is sent to the old address and the first you know about is a CCJ appears on your credit file and/or court bailiffs come aknocking

 

now...don't panic dear..:lol:

as you appear to have kelp a good handle on your credit file, should the above had happened you'd already know

and as its not...to date you've been lucky in certain aspects.

 

the only thing you need to doto check to be 100% sure is go look at your file and check your old address all show in the linked addresses section.

 

now Lloyds..or is it now owned by robbersway [HPH2 ltd]

if it was defaulted in 2007 it wont show on your file as the default has reached its 6th birthday and everything is removed

that doesn't mean a debt is not still owed, but atleast it bats away the threats these powerless DCA's can make by trashing your file again for the same debt..once gone..always gone!

 

robbersway have sent you the latest letter as a phishing trip.

and I suspect they now own the loan but the Notice of assignment was sent long ago to your old address and they've recently searched your credit file and seen the new one..

and as they don't usually chase debts for anyone bar their parent company HPH2 now a days,[it should state their client on the letter] ..odds on they [HPH2] own it.

 

so send robbersway a CCA request

they have 14 working days to comply

 

then we'll plan the next move once the 14 days expires and they fail [odds on they will]

 

dx

 

Thank you

Yes there is no default anymore. That came off about 2014.

I haven't had a letter from them though as it's gone to my old address. I have only corresponded by phone so far. I have given them my correct address so they can send the request for info i asked for.

I can still do the CCA but I don't have a reference number.

Share this post


Link to post
Share on other sites

Sorry i forgot to also mention....RW said they only took this on in September this year

Share this post


Link to post
Share on other sites
Oh one other thing. Go save yourself £49...

If they do have paperwork - Drop payments to £1 forever... ;)

Completely legal to do and might be worth doing it.

 

Can they not still get a ccj though if they don't agree to that as an arrangement.

My priority is safeguarding my credit

Share this post


Link to post
Share on other sites

Gotta have enforceable paperwork before they can!!

 

This is a loan from 2005 should have died years ago

 

Use the org Lloyds loan number if you have to

You dont need theirs

And stay of that phone from now on!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
Can they not still get a ccj though if they don't agree to that as an arrangement.

My priority is safeguarding my credit

 

 

No, you're paying "something " so any judge would look at them and tell them to stop being greedy and be thankful youre paying them that !


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Ok so RW have returned my postal order of £1 with a note saying documents have been requested and an added note requesting proof of my name change! Really!

Share this post


Link to post
Share on other sites

still only have 12+2 working days

so if they fail you are quite within your rights to stop being used as a cash cow


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ignore them now until they furnish you with your request


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

12+2 days expired following my CCA request and nothing received.

 

I have received a letter from RW saying they are still awaiting info from Lloyds therefore my account remains on hold.

 

My question is, what is the 12+2 for?

If in 6 months for example they provided the information then surely I would have to comply?

 

Thanks, really appreciate the help this group offers.

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

12+2 working days is the time limit

If they fail they cant enforce until they do

 

Stop paying!!

 

If they ever do

Scan it up here 1st!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

What DX says, ^^^^^^^^ they've failed, you can stop paying now.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Hi all.

Well it's been 2 months since my CCA request. I had a couple of letters saying they are still looking into things then today I have had a letter, on Lloyds headed paper but with RW address. It's confirming my balance and a statement from January 18. Only shows payments up to May but I didn't stop paying until October.

It's not confirming any agreement info or what I asked for so do I ignore this? Obviously it's asking me to get in touch to make an agreement, confirms interest is 0% and a bit of dignposting info.

Thanks

Share this post


Link to post
Share on other sites

It's a statement they have to send if they consider themselves the creditor for fca rules..means nowt


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
Posted (edited)

Good afternoon 

Well I thought things were going my way then boom! Letter on the doorstep today providing a copy of my original agreement and a statement of payments. Most payments are there bar 2/3 missing that was made before this all kicked off.

They are asking me to complete a financial breakdown and offer of payment with a warning that collection activity will begin in 30 days

What am I going to do! I really don't want them to ccj me as I've worked hard to get my credit to a decent state. I've re-read back through the replies I've had on this thread and can see I was told to offer £1 But I'm really worried they will still can me.

Help! 😢

Edited by Emma13
Typo

Share this post


Link to post
Share on other sites

Scan it up to pdf read upload

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...