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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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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.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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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.

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

 

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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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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