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Lloyds credit Card debt now with Wescott


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I've been advised that as I have been making payments to this debt, I will never get it statute barred. So it's now time to try and pay it off before they send me a PAP.

Before I do anything (like sending of an SAR) I just want to check in with the megaminds on CAG.

 

My plan would be to:

  1. Send an SAR to Lloyds
  2. Find out how much of the balance is charges and interest
  3. Start a repayment plan/pay the remaining balance.

 

Details of the debt:

  • Credit card
  • £3100
  • Wescott last contact Mar 16
  • Lloyds last contact June 18, advising they've credited me with £200 as 'they did not always take the appropriate course of action'
  • last payment was 2 weeks ago
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  • dx100uk changed the title to Lloyds credit Card debt now with Wescott

whom are wetcloths 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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Wecotts Clients are Lloyds Bank PLC.

I have already asked for a CCA, which they responded to in the correct time, this is in May 2016.

Edited by benq
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as the card is still owed by the OC, and as you've seen, they usually are able to comply, then its enforceable.

so no don't cease payment.

 

however get an SAR running.

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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because they sent the CCA back within the allotted time, I am to keep payments going.

 

SAR sent to Lloyds, second class today

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  • 1 month later...

you should have been reading up on charges reclaiming in the down time.

 

 

CISHEET

enter every charge on the date it was levied

put their avg int rate in D15.

 

 

 

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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Do i put down 'Cardholder protection plan' as well?

Obviously this is PPI. on a seperate note, i did claim for this many years ago but they refused to pay out.

 

On my statement, ive got 'date of transaction' and 'date entered', which date do i put down?

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CPP was an annual card protection policy administered  by a sep company ..not levied by the original creditor.

your claim was against CPP but you are now out of time I suspect.

 

https://www.consumeractiongroup.co.uk/forum/260-cpp-group-plc/

 

 

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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Sorry, in my SAR, Lloyds sent info on a previous credit car i forgot about.

I'm now going through the statements that relate to this topic.

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I've filled out the form. I've included interest, as well as late charges, is that correct?

For the claim from and to, do I put the date of the first and last transaction?

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Nope ppi only

Claim from date 1st ppi

if the card is still active there is no claim to date

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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  • 2 weeks later...

so was this annual CPP or you did find monthly PPI charges?

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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  • 2 weeks later...
  • 2 weeks later...
  • 1 year later...

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