Lloyds TSB Mastercard

[N.P]

Thanks folks, I`ll get that away in a day or so, bit late now to be messing about, LOL Yawn

[spiritgirl59]

 

Nice one NP!

 

Love SG x

[N.P]

Evening people,

 

We have an UPDATE.

 

I received another couple of letters from Lloyds TSB. Nothing to exciting though.

 

The first one is regarding my Current Account Overdraft.

 

It reads -

 

 

 

 

 

 

The second is regarding the Lloyds TSB Mastercard.

 

It reads -

 

 

 

 

 

 

It would seem they are somewhat puzzled with both accounts, for the time being.

 

Oh well, at least I don`t have to reply to these and waste my envelopes, paper and printer ink just yet

 

Regards

 

 

N.P

[Patma]

Hi NP,

I was very interested to see your recent letter from BLS Collections still carries a fake address. Earlier this year, I got concerned when 2 of my recorded delivery letters to BLS didn't get signed for, so I did a bit of investigating, along with another forum member Tecnobaz and we discovered that the PO Box number doesn't officially exist and the postcode given doesn't exist either. By some dodgy dealing or other, they had managed to have a re-direct put on this fake address and they were receiving the post but not having to sign for it.

Tecnobaz and I both complained to Oxford TS and eventually got them to agree to investigate. I haven't had any letters from BLS since and I was hoping they'd now been stopped from using this [problem].It looks as though they're still going strong though, so I think it's time to remind Oxford TS they're supposed to be dealing with this.

You can check out the story here

www.consumeractiongroup.co.uk/forum/debt-collection-industry/133283-ts-dont-do-what-3.html

Hope this helps, All the best, Patma

Sorry about the link, hope it works now

Edited July 5, 2008 by Patma
Faulty link

[N.P]

Hi NP,

I was very interested to see your recent letter from BLS Collections still carries a fake address. Earlier this year, I got concerned when 2 of my recorded delivery letters to BLS didn't get signed for, so I did a bit of investigating, along with another forum member Tecnobaz and we discovered that the PO Box number doesn't officially exist and the postcode given doesn't exist either. By some dodgy dealing or other, they had managed to have a re-direct put on this fake address and they were receiving the post but not having to sign for it.

Tecnobaz and I both complained to Oxford TS and eventually got them to agree to investigate. I haven't had any letters from BLS since and I was hoping they'd now been stopped from using this [problem].It looks as though they're still going strong though, so I think it's time to remind Oxford TS they're supposed to be dealing with this.

You can check out the story here

http://http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/133283-ts-dont-do-what-3.html

Hope this helps, All the best, Patma

 

 

Hi Patma,

 

Thanks for the post.

 

I never thought much of it really, but now you`ve brought that up, I DID notice it took a while for my letter to be signed for. The Royal Mail website did state it would take longer than usual as it had been re-directed to somewhere.

 

I tried your link but it came back with a `Page Unavailable Error`, I tried it in Internet Explorer 7 and Firefox 3 and both gave the same error type, so I`m not sure the link is working.

 

Aren`t they allowed to use this method of receiving mail or something? I don`t know.

 

If you have a letter I could use to throw at them, then I`ll use it by all means. The more cheeky and abusive the better ;-)

 

Thanks again Patma

 

Does anyone else know anything about this?

 

Regards

 

 

N.P

[N.P]

Right, got that link working, I removed the double http`s at the beginning and started with the www

 

Thanks again Patma, I`ll have a read through tomorrow sometime ;-)

[citizenB]

Hi NP,

I was very interested to see your recent letter from BLS Collections still carries a fake address. Earlier this year, I got concerned when 2 of my recorded delivery letters to BLS didn't get signed for, so I did a bit of investigating, along with another forum member Tecnobaz and we discovered that the PO Box number doesn't officially exist and the postcode given doesn't exist either. By some dodgy dealing or other, they had managed to have a re-direct put on this fake address and they were receiving the post but not having to sign for it.

Tecnobaz and I both complained to Oxford TS and eventually got them to agree to investigate. I haven't had any letters from BLS since and I was hoping they'd now been stopped from using this [problem].It looks as though they're still going strong though, so I think it's time to remind Oxford TS they're supposed to be dealing with this.

You can check out the story here

http://http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/133283-ts-dont-do-what-3.html

Hope this helps, All the best, Patma

 

 

I wonder if you would get more action from Companies House ?.

[N.P]

Hi cB,

 

I haven`t posted my letter yet to these cranks, it wasn`t a PRIORITY letter, LOL.

 

I guess I could added some cheeky paragraph to it, about their little [problem].

 

Any ideas`s people? No matter how rude it is, it doesn`t bother me, I beleive in freedom of speech ;-)

 

 

N.P

[Patma]

Hi NP,

When I sent letters to BLS it used to say on the Roal Mail website that there would be a delay as they were being re-directed, then they would just disappear off the radar and never get signed for.

I rang Roal Mail complaints department and they checked the postcode and PO Box number and informed me they didn't exist and it was the complaints department who then discovered the re-direct which is totally against Royal Mail regulations apparently. The person I spoke to was adamant that the matter had to be passed to the fraud department to deal with. I rang up for an update a couple of months ago and was told that it couldn't be discussed because the fraud department were dealing with it.

It's obvious now that absolutely nothing is being done except perhaps BLS are now signing for the stuff. I suggest you call Royal Mail's complaints department and tell them, pointing out that you are fully aware that they had promised to put an end to this abuse several months ago. You might also email or write to Oxford TS . I'll get back onto them too on Monday morning, because they promised me an update which hasn't happened yet.

I'm also going to see whether Royal Mail have some sort of governing body or watchdog which might investigate why they're allowing a DCA to flout their regs, even after the problem has been uncovered.

I would send future correspondence to LTSB direct, explaining that you're not prepared to communicate through a false address. After I sent a letter like that, I haven't heard a peep out of them since.

I don't know whether that's anything to do with TS dealing with my complaint or because they didn't like my letter. LOL:D

[citizenB]

The independant body for the Postal Industry is POSTWATCH. You can make your complaint to them at Freepost Postwatch or telephone them on 08456 013265.

[citizenB]

Is a response necessary NP ?. It looks as though BLS are just rattling their cage. I think you have already sent them the "If you visit, I will ensure the rotweiller is hungry" letter havent you ?.

 

Alternatively, as they are saying they will advise LTSB to arrange the visit, you could write to LTSB enclosing a copy of BLS's letter asking them what the heck is going on. On the one hand they (LTSB) say they are investigating a legitimate complaint and on the other their pseudo solicitors are threating to arrange for the Kray Twins to visit. Put the ball back in their court.

[N.P]

Hi all, Hi cB,

 

Would you beleive I received another letter from Lloyds TSB this morning at my parents house?

 

It is pretty much exactly the same as the other I received, claiming they are sorry I have the need to complain, and that they hoped the problem would be sorted out by now, but isn`t, so they would appreciate if I have fire while they sort their lives out.

 

Are these fools for real? They`re just a bunch of incompetant imbeciles!

 

 

N.P

[N.P]

By the way, does anyone know who complained that my new Avatar was in bad taste? It`s quite sad really, they probably get worse letters from DCA`s and find my Avatar offensive, probably a Troll on the prowl I think!

Edited July 5, 2008 by N.P
Dodgy spelling

[citizenB]

I dont recall you having an avatar ??

[Goldlady]

What was your avatar? It certainly wasn't me...

[N.P]

It was only on a day or two.

 

It was a cartoon of a guy on the toliet straining for a dump. His head goes red then explodes all over the walls. The body falls on the floor then a lump of dump shoots out his exhaust and lands in the bowl.

 

I thought it was quite funny really ;-)

[Goldlady]

Which minority group did you offend with it? The constipation society:eek:

[N.P]

I know, sad isn`t it?

 

Check this out before someone grasses

 

YouTube - Constipation

[N.P]

Hi all,

 

Well, we have another UPDATE on the Current Account front.

 

This evening I picked up my post from the olds, and there was a dodgy letter from SC&M.

 

It reads:

 

 

 

 

 

 

The thing is, I have also received mail from Lloyds TSB stating they are STILL looking into my complaint and don`t know when they will be able to sort it out.

 

Does anyone have any idea`s with this please?

 

All help is most appreciated.

 

Regards

 

 

N.P

[Goldlady]

I think this is another letter for the ignore file personally. They might take legal action...........

[N.P]

I find this quite interesting really.

 

This letter reads despite several reminders the account remains out of order, Well, yeah, I guess it does, but it doesn`t mention the fact that they`ve sent me about 3 letters stating they are looking into my complaint and that they STILL are unable to solve it and will need more time to sort it out.

 

That was their response to my snotty letter stating that if they returned all the charges on the account it would no longer be overdrawn and that I was also interested in reading the agreement they kept referring to.

 

The mind boggles!

 

 

N.P

Edited July 10, 2008 by N.P

[citizenB]

NP, I cant remember. Do they actually ahve an agreement or was it that they did and it was illegible ?.

[N.P]

NP, I cant remember. Do they actually ahve an agreement or was it that they did and it was illegible ?.

 

 

Hi cB,

 

Thanks for the post.

 

This recent letter is regarding the Current Account Overdraft.

 

Now, what they want is the unauthorised overdrawn amount of £194.81 which they state is against the agreement.

 

I have wrote to Lloyds TSB with a snotty letter stating if they refunded all the charges applied to this account then it would not be overdrawn, and that I would also be very interested in receiving a copy of the agreement they refer to.

 

Now, all they have sent back on about three (3) seperate occasions is that thay are still looking into my complaint, they are unable to solve the problem at this time, and will need more time to look into my complaint. Each one gives another 4 weeks for them to look into my problem. Eh? Am I missing something here?

 

Now, it seems the left hand of this lot doesn`t know who`s cheesy helmet is being pulled with the right hand :-|

 

Shall I just ignore this nonsense?

 

This account is around 22-23 years old now, and I remember charges back then were only £5, so where has the modern charge of £35 come from?

 

Could I go along the lines of no agreement, then the overdraft was a gift as I never asked for it in the first place?

 

I don`t know. Any thoughts on this people?

 

Thanks in advance.

 

 

N.P

Edited July 10, 2008 by N.P

[N.P]

Just bumping this up for the night shift

[citizenB]

I am not sure, but I think there should ahve been terms and conditions when you originally opened the account. Else how do you know what you agreed to in terms of charges. .

 

you could of course make a complaint to the FOS. Saying something along the lines of... LTSB are continually sending letters saying they are looking into your complaint whilst at the same time you are receiving letters from **** saying LTSB are advising Legal action. Or would this be a Trading Standards COmplaint in that you are being harrassed whilst a legitimate dispute is in place ?

 

I think you need someong with more knowledge to answer this one for you.