London Scottish-still paying after 14 years//**SETTLED**

[fairclaire]

Disgusting!

 

I thought provident were bad, but this makes them look like the local credit union!

 

How awful for your aunt and uncle, people of their generation do worry over missing payments etc. and they would have probably kept paying this forever if you hadn't stepped in. I can't imagine how you can reassure them that what you are doing is in their best interests.

 

The important thing is to keep going and to keep coming back for advice when you need it....you'll find plenty of it here. And those who can't advise will give you some encouragement and support.

 

I'll leave the practical advice to those more knowlegable than me but I will follow this thread with interest.

 

Good luck

[hisholinessthepope]

This is an awful tale but good to know a CAGer is on the case and sorting things out for them.

[babybear39]

Hi angel49 ,

 

Just come accross this...What an horrendous series of events

 

This Loan company need bringing in front of a judge quick sharp.

 

Good luck and best wishes to you, your aunt and uncle.

 

BB

[angel49]

Thank you hisholiness and baby bear, its appalling the amount of money they have paid well over the odds.

 

Small update.

Presently going through the motions by way of London Scottish complaint procedure. Still no credit agreement.

First letter went to Mount Street address,then had a letter from Quays Reach to forward copies of all correspondence re:Everything Financial.

The collector has not been since I handed him his notice of trespass!!

Following that,I sent letter of complaint to Everything Financial.

Have forwarded all paperwork to TS so will see what they come up with.

I fully intend to get some of their money back,will update with any further development.

[rosemaryednam]

Hi I have an old london scottish loan that i have been paying forever. What address did you send the SAR to? Was it head office?

[angel49]

Hi rosemary

I didn't send SAR. I sent CCA request to the branch that had been making collections from my G/aunt & uncle. This was "Everything Financial" in Bromsgrove Worcs. I am presently going through London Scottish complaints procedure. Let me know how you get on, do you have a local branch? I believe you can send your SAR to head office either way.

[babybear39]

Hiya angel49 ,

 

Hope you, your G/aunt and uncle are doing fine

 

Good luck and best wishes,

 

BB

[angel49]

Hi babybear

Thanks for your kind thoughts.They are both fine but still worry about whether its right for not honouring their debts as it were.Will update on any progress,I'm angry as hell with these people.

[babybear39]

Bet you are, I'd be too...

 

Might be good to let them know that there are thousands of real people here 'rooting' for them, and re-assure them that they are perfectly within the law and thier rights

 

BB

[diskmandave]

For everyones benefit, as others seem to be coming out of the woodwork with these "forever payments" to London Scottish, here is London Scottish's complaints procedure. To view properly or print , right click save the images and then rotate them in Windows picture viewer.

 

 

 

Good luck, Dave.

[angel49]

Okayyyyy update at last.

It seems the Bromsgrove offices of "everything Financial" had closed down last December,so that is London Scottish trying to wrangle out of their non-compliance.Have reported to all authorities who don't really appear to be that interested but I'll keep on at them. My G Uncle has since suffered a couple of heart attacks so I want to close this for him and my G Aunt.

Went through the complaint procedure with LS and today the following arrived.

 

 

 

[diskmandave]

Brilliant result!!

 

Well done

[angel49]

Thanks Dave

I was hoping you'd drop in. I feel good now its done. See you've been having some fun............

[babybear39]

Hiya angel49

 

Congratulations and huge hugs from me to you, your G aunt and uncle.

 

Hope your G uncle feels better soon and that this result will allow you all to relax and forget about this whole sorry saga.

 

Best wishes

 

BB

[ODC]

Thanks Dave

I was hoping you'd drop in. I feel good now its done. See you've been having some fun............

Good result for your relatives though I suspect had this been your alleged debt you may gave considererd continuing the fight with London Scottish.

[Monty2007]

Congratulations! well done!!!!!!!

 

Their position with respect to CCA/enforcement is similar in repsect to what I received:

 

http://www.consumeractiongroup.co.uk/forum/general-debt/103600-non-conformance-under-s10.html

 

It is interesting that they settled for such an amount, gives hope to us all.

 

Many thanks for sharing this.

[Mr Blue Sky]

Angel49

 

I have just read your thread and am disgusted that this type of situation should arise in this day and age.

 

What an excellent result, well done, you must feel very proud of yourself.

 

There may be many more elderly and vulnerable people in society today being ripped off in this fashion - have you thought of talking to the newspapers?

[angel49]

Thank you all for your comments,much appreciated.

 

Babybear.I love how you always give lots of hugs-I'm calling you huggybear:)

 

ODC. Damn right,I'd love to go further and get them some money back.

 

Monty. Got to be worth challenging

 

Mr blue sky. definately lots of folk out there that must spend days/nights full of worry.I used to be one of them,this site has helped me deal with my problems.

[hisholinessthepope]

Excellent news and well done angel49, you have done a good thing for your relatives.

 

Personally I am most intrigued by the constant referal to section 77 and we are not refunding any monies! I am preparing a case to get repaid all monies on an account with no credit agreement and section 77 will not help them one little bit. It is not a London Scottish account.

 

Anyway well done again.

[ODC]

Angel I think you would have a good chance of getting something back. They have admitted they have not got a CCA thus making the debt unenforceable. True the debt still exists but they have no legal way of obtaining it. Warn your folk that some other scummy DCA may well try and press for payment by bluff. It will only cost you a stamp and a few minutes of your time to argue with them.

[diskmandave]

Read paragraph 2 in letter 1 people!

 

There you have it in black and white from London Scottish themselves!

 

[ODC]

Read paragraph 2 in letter 1 people!

 

There you have it in black and white from London Scottish themselves!

 

I bet they wouldnt have said this on the phone. I suspect like me DMD you would continue to kick these people now that they are down. After all they have wriiten off the balance and didnt make any condition in doing so (OBVIOUSLY BECAUSE THEY WERE ON A HIDING TO NOTHING) . So I would definately have a go at them for payments which they bullied the people into thinking they had a lawful reason to chase. I really do not see how they can enter a default on someones account if they cannot prove the debt actually exists. No CCA = No Enforcable Debt. Therfore No Enforcable debt = No Default. Seems simple enough.

[gizmo111]

*******CONGRATULATIONS*******

I haven't read the whole thread but I gather that your elderly relations were being pressurised into paying a debt they didn't recognise?

[Dispirited]

New member here Angel and have just read your thread. Gobsmacked wouldn't be an adequate enough word to describe my reaction but many congratulations on your fantastic result!!!

[sillygirl1]

A very good result, I' just wondering what logic has been applied with London and Scottish in placing a default on the account at this very late stage - and considering the age of your relatives it isn't going to have a great deal of effect.... they've given you the cherry back with a bite out of it....