In need of major help, what do i do next?

[jim2007]

Personally, I would write back (don't telephone), confirming that you lived at that address but had all post forwarded, and that you recieved nothing from their organisation.

 

i would also start a new thread so that people can give you advice:)

 

HOW DO I CREATE A NEW THREAD? PLZ

[dom2]

Go to debt collectors and debt collection agencies page. At the bottom of the page select the tab that says "new thread".

 

PLEASE BE CAREFUL.

Assuming you haven't had a CCJ with the account, you're almost certainly at the statute bar stage. If you make contact with them, the 6 year time limit starts again!

UNLESS YOU MAKE SURE YOU WRITE "I DENY THIS ALLEGED DEBT".

or something similar. The point is that denial of a debt does not restart the clock. Make sure every letter includes the same wording.

 

If I were you I'd try and find out when the last payment or reply to them was made but DON'T contact them directly!

 

I'm sure others more experienced than me will offer advice.

Don't be panicked into replying. Remember, Statute Bar (limitations act 1980) is a beautiful place to be. They can then go and take a hike and if they continue to contact you, it may be harassment. Remember if the account is statute barred, they have no legal rights, they are not allowed to pursue any form of legal redress. They're stuffed.

[kennyparkroad]

PM me your link when youve started a new thread will ya?

 

please dont hijack this anymore, while i dont mind helping people i do mind getting confused!

 

ill PM a mod later and get them to move the messages

 

thanks

 

Kenny

[jim2007]

Guys I have created a new thread for my query in : Debt Collectors and Debt Collection Agencies under Lowell Financial.

 

I would be grateful for replies and advice.

 

Many Thanks

[kennyparkroad]

Major update on this.

 

 

EOS have written back to me to thank me for my letter, and considering the contents and VERY DETAILED letter i sent they have decided to pass all files back to Blair Oliver and Scott and confirm no further action shall be taken by them.

 

 

 

So its back to BOS - wonder if the calls will start again

[archer_66]

lol talk about swings and roundabouts!

well hopefully this will be the end.............

[Hopeful1]

Hi Kenny. Let's hope you can bring this to a close some time soon. You must be exhausted trying to keep up with it all.

 

Keep soldiering on and good luck ;-)

[kennyparkroad]

thanks guys, have let Trading Standards know and sent them a copy of the letter, its now up to BOS (Blair Oliver and Scott), Trading Standards are writing to HBOS (Halifax Bank of Scotland) to ask why their letters have not been answered.

 

so as usual watch this space.

[kennyparkroad]

Update

 

Hi MR KRP

 

I have received a response from the company in your complaint.

 

In order for them to assist me in my enquiries regarding your personal circumstances, they require me to send written and signed authorisation from you that I am able to act on your behalf.

 

I would therefore be obliged if you could print off and complete the

attached mandate.

 

Kind Regards

 

 

 

 

 

 

 

 

 

so i have done this and personally handed it into her.

 

 

so who thinks they actually have documents?

[stadium_arcadium]

Not me!

 

Good luck Kenny:D

[kennyparkroad]

Update

 

Have since gotten a letter from HBOS stating they are looking into my complaint and i should recieve a reply shortly, along with my signed CCA.

 

 

mmmmmmmm interesting.

 

Thoughts?

[reduk054]

Hi Kenny, the saga continues eh?

It sounds like HBOS got a little telling off from TS about their non-actions regarding your contact, so have had to contact you.

What is the update from TS? Or once you have complained do they take control of the complaint and let you know the outcome, or the progress as well?

Surely the CCA will be well overdue by the time HBOS get around to sending it to you!

Red x

[kennyparkroad]

yes the CCA would be well overdue, but can still make it enforceable, through a court of law, which is where i will take them if they produce it as its been since December last year!

 

Red check out my "me vs littlewoods" thread, you wont believe whats going on over there.

 

and how are you anyway hun?

[reduk054]

Hi Kenny will hop over to your other thread and catch up. You sound strong, which is invaluable when dealing with these companies!

I am ok, taking the rough with the smooth!

Could be an interesting case this one Kenny, if/when HBOS reply!

Red

[kennyparkroad]

Trading Standards Rep back from Annual Leave today, apparently HBOS have not got back to her yet.

 

Nothing new there then.

 

The longer it takes, the better for me to be honest.

[reduk054]

Kenny,

I don't think that HBOS should be delaying their response to TS! At least you know that you have dealt with it all and will now see it through until the end. As you say, better for you in the long run, let HBOS get into trouble on their own!

Red

[kennyparkroad]

ok seems like im stung.

 

 

after all this time (since december 06)

 

the AA finance company have provided Trading Standards with a copy of my original CCA

 

here is the email i got.

 

 

 

I am writing to update you on the situation regarding your complaint. I have now received a copy of your original credit agreement from AA personal finance. The credit agreement that was sent to me has two signatures on it- KPR and KPRS Mum. It is dated 10.03.04. I would be obliged if you could let me know if you will uplift it from our office or if you would prefer that I post it to you.

 

I have some concerns as to the way that the company have dealt with your complaint and I plan to write a final letter to them and notify their home authority Trading Standards Department of the problems that you experienced.

 

 

 

 

 

 

 

 

 

 

so where do i go from here?

 

i still have concerns that they have the loan down as a joint loan with me and my spouse! but its really my mum.

 

when i get the copy ill scan if for you ALL to see to let me know my next step or if i have to resume payments.

[reduk054]

Oh my goodness KPR! What a twist.

I do not know what to suggest on this one, we all know about the deadlines for providing the CCA request, and this one is well overdue. I will be interested to see what the experts think, as I am sure that more CCA requests may start popping up when TS get involved.

I will keep an eye out for you, and hope that someone has a more helpful response than me LOL

Hugs

Red

[Curlyben]

Bear in mind what TS refer to as your agreement, may simply be the application form and unenforceable.

 

We'll wait and see what arrives.

[kennyparkroad]

but i remember signing it and remember all the terms on it.

 

ill just have to see but i think this will be legit.

 

will update you when it comes through the post.

 

its over 5k owed that would be better if it was never there

 

one other question, say in 6 years the default drops off, can they put another default on if the debt is paid off????

[alibobsy]

Think I read on another thread that they can only place an account in default once, they can't renew it?

Good luck

ali x

[kennyparkroad]

UPDATE

 

Popping into the TS office today to pick up the copy of the alleged agreement. (picking it up in half an hour)

 

once i have it ill scan it up for you (probably between 1 and 2pm)

all to have a look, no doubt ill PM many of you for your opinions!

 

Got a statement of account from them as well,

 

they put a £25 charge on there.

 

is that worth pursuing! lol

[stadium_arcadium]

 

they put a £25 charge on there.

 

is that worth pursuing! lol

Always worth pursuing Kenny!

[kennyparkroad]

ok advice needed

 

this is according to Trading Standards all that the AA sent, i cant get the picture up right now as it scans in adobe and my works computer wont put it in paint to be transferred to a bitmap etc.

 

now it is an agreement, but it is only 1 page, and at the bottom states "turn overleaf for terms and conditions" yet the back page is blank, therefore im guessing they havent complied?

 

so i dont feel that they have yet fully complied with my CCA, Trading Standards are saying they feel they have, they clearly havent so i am looking for wording to give Trading Standards so they can use if for the AA.

 

Advice needed!

[kennyparkroad]

i basically asked TS to write to them and inform them they have not fully complied with CCA and that i want ALL documents regarding the agreement etc.

 

will see what TS say in their email back to me!