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    • Ah I see what you mean. That is unfortunate, but guess there's little I can do then. Thanks very much for your help!
    • OK I sent CCA request on Monday 7/6 recorded delivery with a postal order uncrossed with £1 stating on the back that it didn't go towards any alleged debt.   Wednesday 9/6, received the postal order back from Arrow with a cover letter saying they no longer charge a fee and 'we will respond as soon as we can'   Then on Friday 11/6 morning a letter dated the 10th (they said if we didn't hear back from you by the 11th) I got a letter of claim from Drydens saying 'if you do not provide proposals to repay, legal action may be issued in the county court'.  Along with 'you have 30 days to respond'. Attached is a printout of an income and expenditure sheet.
    • Your attachment was viewable in your first post.   Does the issue you mention with the wallpaper/slight stain really constitute a breach ?  Is it significant enough ?   The wallpaper was probably applied before the wall was properly dry.  But the other possibility, is that the tenants did not open windows regularly to ventilate the room.  It is important for windows to be opened or put into a vent position on a regular basis, to ensure that moisture is allowed out.   If the tenant had clothes drying in the house, with baths/showers being used etc, this may have helped cause the wallpaper peeling  and the damp stain.   Today has been a lovely Summer day in many parts of the UK, so the tenants may not be as quick to respond.  Same issue with replies to this site, so you might get other responses later.   The tenant is unlikely to try to pursue you for the matress or health issue they say is caused by a damp issue.  Unlikely to have sufficient evidence and their own actions may be the cause.   They are most likely deciding whether to complete work in the garden or not.   You are within your rights to hold onto the deposit for now, until the reasonable request to return property to pre let condition is completed.    
    • Oh Yorky, I'm so sorry you're still having trouble with your dad's hospital.   I can't believe they are still being so awkward, I sometimes think they (companies in general, not just hospitals) forget that we put ourselves through this stress and worry not because we want to, or even because we have to, but because we want what's best for our loved ones.   Their advice for you to deliver the form in person is at odds with the advice on their own website stating that visits have been suspended due to Covid. I mean, I would understand if someone wanted you to drop off clothes for your dad, but a piece of paper? Which could end up anywhere? That's... crazy.   I don't know if the following link is worth a try or whether you've been down this road, but the hospital website has details of all the consultants Consultants | North Tees and Hartlepool NHS Foundation Trust WWW.NTH.NHS.UK If you want to find out details of our hospital consultants and contact information you can search for them in our A-Z. obviously you'll know your dad's consultant name, but the phone numbers on there, are they ward ones that you've tried before or do they look different?   That said, even if you are more successful with that, definitely still get PALS and as much senior management on board as you can with a formal complaint. You shouldn't have to go to such lengths to get hold of the right people and for the right information, especially at such a stressful time.   You point out that you remember you're doing this for your brother and your dad, which is the best approach. I'm sure they, in their own way, know that you are pushing yourself and pushing the hospital for an outcome as you are is because of them.   I know it's easy for someone on the internet to say "look after yourself", "do this to help with stress" etc, but if you do feel you need extra help with dealing with your stress/worry, please don't be afraid to seek help from a doctor yourself. A "well" you is the best sort of support for your dad and brother.   I wish I could offer more support and I'm sure that if anyone else of the CAG community has any other suggestions, I'm sure they will come here and let you know.  
    • Ok update.  I have spent the last week or two, trying to get help from the Staff Nurses and Matron, regarding the Consultant or someone to have my dads lack of capacity documented, either their own paperwork or me sending COP3. I   they have informed the consultant looking after my dad, who at this moment is sounding very ill, with medical issues on top of delirium and confusion, he is apparently having blood transfusion bag things. not eating and drinking. I have even spoken to the consultants secretary to explain the urgent matter and to have the consultant contact over the last few days WITHOUT SUCCESS, conversion ended today with its a legal form can I take it into hospital personally, er..I dont drive and Im in Northampton, Hospital is Stockton on Tees.    the nurses cant help need to speak to consultant!!!!!!! conversation ended with well I will complain to PALS, GMC secretary of Health or whoever......reply was looks like it then?   I have just compiled a 3 page letter [well e mail one] sent to PALS, I will follow up with a written one and to whoever else I can contact.   I need this medical form before I can do anything else with court or appointee   anyone have any ideas cos Im now at my gasping point, wondering why the hell am I taking on all this stress and worry, then I think of my younger brother, and that reminds me why I am doing it and doing it for.
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Advice regarding Lloyds/ Robinson way dates of birth being incorrect


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Hi there,

so as I write this this has been going on since 2005,

 

I got myself into debt when I was younger and couldn’t afford to pay it all back.

Lloyds put everything together and it came out over £20,000

this Was passed onto Lloyds debt recovery team in 2005 but I was paying the debt off in small amounts

 

I believe this debt was then passed onto a company called Robinson way in January 2006 where I was paying £130 a month

this then changed to debt managers

and then onto clarity

 

Lloyds and arrow global have stated that I made no payments between 2005 and 2009 even though I have proof I paid Robinson way!

This is where it’s gets complicated - my dad was making the Payments from his account to Robinson way.

 

The other issue I had was for from 2015 onwards I also had a problem with passing security and I believed my details were compromised with arrow global, who I found out they had the date of birth of myself the wrong month - after contacting Lloyds they stated they had the right date of birth and had it right all the time.

It turned out Lloyds were actually incorrect and didn’t have my right date of birth at all and an address I never lived at.

 

for the last 6 months I have been trying to get hold of Robinson way as they don’t have the correct details for me and I can’t get the information.

 

But here’s the plot twist

apparently Arrow managed to get hold of Robinson way and they state the debt wasn’t for that But how as Robinson way didn’t have the correct details for me.

 

Unfortunately I have lost all faith in  Arrow. 

I asked Lloyds for everything to do with my account And I have received a letter after all this to go into branch to identify myself 😢

 

I have been living this nightmare for the last 15 years and I know I got myself into this but I have made these payments since 2005 what can I do if anything I have been through the financial ombudsman who to be frank were terrible. 

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sounds like you've been cash cowed for years.

 

what is the type of debt please?

 

don't forget the golden rule...

a DCA is NOT A BAILIFF

and has

ZERO legal power on any debt, no matter what it's type.

 

 

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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Ohh God, don't pay these bloodsuckers another penny.

We could do with some help from you.

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No, No, No.

 

If it's burning a hole in your pocket, give it to your local food bank or homeless charity. Spend it in your local struggling high street, but not one more penny to those bloodsuckers.

 

Stuff all they can do to take the rest off you by now. Plus it's long gone from your Credit file.

 

Stop wasting your hard earned money on this!!!

We could do with some help from you.

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You've already spent (wasted) the equivalent of a deposit on a flat on this. There is nothing they can do to enforce this debt. DCA's have no legal powers, end of!  Alternatively you can carry on paying and throw away more of your money. This is the best advice you will get from anyone, I promise!

 

As for it going away, I disagree, it's already gone away!

We could do with some help from you.

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Wait until you get your DSAR request and gather all the data then send the following for the loans to the now legal owner of the debts.

 

 

 

Disregard the OD for now...but try to get a figure of the balance.

 

Andy

We could do with some help from you.

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Yup, CCA request and make sure  they have your correct address in writing. 

 

But the reality is my son was new born when you defaulted on this debt, he's taking his GCSE's next year!  It's over!

We could do with some help from you.

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9 minutes ago, Annoyed with Lloyds said:

I honestly believe  this stopped me getting a mortgage 

Nope, it would be invisible to lenders 6 years after default

We could do with some help from you.

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who merged them all?

or did they?

 

send arrows a CCA request for each loan..

 

the trouble here is you've been blindly ringing people over +10yrs and these fleecers will say anything on the phone to con you into paying .

if lloyds have sold all the debts to arrows or robbersway or split them, 

why do you think they did that then?

 

they got <10p=£1 for them...

why didn't they take you to court and crush you>>> why sell it cheaply off...think about it...

 

 

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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one for each loan account number...

no need to contact them

you simply print 2 copies of the CCA request off and post each one sep...

ensure you READ all the posts in the CCA request link 1st

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... 

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one loan number or one ref number.... the DCA or someone gave your debt long ago.

 

who rolled everything?

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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did you sign a new agreement or anything after lloyds merged everything..?

making it all say a consolidation loan?

 

when did you get this letter from lloyds to go into a branch and ID your self so you could get all the data (SAR was it you asked for?)

 

do you still posses the FOS letters? and when did you complaint to them?

 

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... 

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Didn’t sign any agreement Lloyd’s just put it together. And it was just one single debt,

I asked Lloyd’s for all the information they held about me and after they admitted that they had my date of birth changed that this would be updated on the system

 

I asked for my information two weeks ago and I got a letter telling me that they couldn’t Identify me.

I have the email of Fos still yes.  

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so whats this about having to goto into a branch with ID

what was that for?

can you redact and post the FOS email here please

 

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... 

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That’s an SAR. Send Lloyd’s a copy of photographic iD along with either a council tax or utility bill .

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

 

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

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