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Emma13

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

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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

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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.


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MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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thread title updated and moved to Lloyds forum


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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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!

HOW DO I START A NEW THREAD?

 

 

 

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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

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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!

HOW DO I START A NEW THREAD?

 

 

 

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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!

HOW DO I START A NEW THREAD?

 

 

 

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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 USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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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

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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.

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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.

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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

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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 USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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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!

HOW DO I START A NEW THREAD?

 

 

 

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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 USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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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!

HOW DO I START A NEW THREAD?

 

 

 

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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

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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 USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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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!

HOW DO I START A NEW THREAD?

 

 

 

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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

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


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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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

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Scan it up to pdf read upload

 


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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