Lloyds TSB Mastercard

[N.P]

Hi all,

 

Right, here we go again with another bunch of dick heads.

 

This time is from Morecrap back bench boys, going by the rock hard name of Midas Legal Services.

 

I couldn`t be bothered to reply to Morecraps 3 letter`s, but I did manage to get some yellow envelopes from Hobbycraft.

 

So here it goes -

 

 

 

 

 

 

Has anyone dealt with these empty heads before?

 

I also notice there is no `proper` address, just a silly PO box.

 

 

 

N.P

[Curlyben]

Midas - Pseudo legal inhouse Moorcrap monkeys.

 

Look at the bottom right corner

[N.P]

Hi Curly old dude,

 

Haven`t seen you around in a while, I hope your doing well

 

So, another ignore you think? Or is it worth a response?

[Curlyben]

All good.

 

Just file it with the Moorcrap ones

After all it's the same letter with a different heading..

[N.P]

I was thinking that, but it`s good to get other opinions (did I spell that right?)

 

Good to see your still around.

 

I`ll wait untill I get a proper letter from a proper Solicitor, I have a few suitable templates saved.

 

Thanks again bud.

 

 

N.P

[lexis200]

Is it just me or are they pretending to be solicitors, and yet if they proceed to litigation they are going to have to instruct external sols??? Doesn't say much for them and their competence does it:rolleyes:

[N.P]

Heh heh, Hi lexis,

 

Yep, I know exactly what you mean.

 

These imbeciles are actually starting to annoy me now with their constant silly threat letters, it`s like they are insulting my intelligence, and every one elses they send their junk mail to.

 

I feel like grabbing hold of a couple of them and sticking one of their empty heads up the other clowns arse.

 

I`ll save my yellow envelopes for a professional, it there is any

[lexis200]

Don't hold back there NP:D If you beat around the bush like that with how you feel no-one will ever know what you're trying to say:lol:

 

It does get ridiculous though. I'm just doing timelines for OH's accounts with letters I've sent and received and calls received, and you'll have letters threatening court when they have sod all of an agreement, then one offering a discount as you've been such a valued customer a week later!

 

I'm currently compiling them all to detail them in letters which will be off to the various CEO's for their thoughts on it. If I don't get a response there I might copy them to TS and my MP to see if they have anything to add about the behaviour from these companies.

 

ps - I think those envelopes may be in your drawer for a long time if you're waiting for a professional creditor to send them to!

[citizenB]

 

 

I`ll wait untill I get a proper letter from a proper Solicitor, I have a few suitable templates saved.

 

Thanks again bud.

 

 

N.P

 

You could be waiting a long time then, N.P. SCM are the in house solicitors for LTSB.. I am surprised you havent heard from them already.. they are usually quick off the mark.. so quick in fact, they usually send out Formal Demand letters before the Default Notice.. Ooops

 

Don't hold back there NP:D If you beat around the bush like that with how you feel no-one will ever know what you're trying to say:lol:

 

It does get ridiculous though. I'm just doing timelines for OH's accounts with letters I've sent and received and calls received, and you'll have letters threatening court when they have sod all of an agreement, then one offering a discount as you've been such a valued customer a week later!

 

I'm currently compiling them all to detail them in letters which will be off to the various CEO's for their thoughts on it. If I don't get a response there I might copy them to TS and my MP to see if they have anything to add about the behaviour from these companies.

 

ps - I think those envelopes may be in your drawer for a long time if you're waiting for a professional creditor to send them to!

 

Yeah, that was a b*mmer, NP.. still yellow envelopes are ok with any other primary colour.. so you may still get to use them for Moorcroft and subsidiaries.

[N.P]

You could be waiting a long time then, N.P. SCM are the in house solicitors for LTSB.. I am surprised you havent heard from them already.. they are usually quick off the mark.. so quick in fact, they usually send out Formal Demand letters before the Default Notice.. Ooops

 

 

Hi cB, me little bombshell,

 

Good to hear from you again.

 

Well, **** have already had this account twice, but they wouldn`t play with me and flicked it back to Lloyds.

 

It just seems this account is doing quite a few laps, even more than my Argos account, which has been around more than my ex lass Can I say that? Anyway, who cares?

 

 

 

N.P

[citizenB]

Hi cB, me little bombshell,

 

Good to hear from you again.

 

Well, **** have already had this account twice, but they wouldn`t play with me and flicked it back to Lloyds.

 

It just seems this account is doing quite a few laps, even more than my Argos account, which has been around more than my ex lass Can I say that? Anyway, who cares?

 

 

 

N.P

 

Yes, I remember **** had hold of this for a while. I wonder why they havent had it back ? perhaps they are involved in a job creation scheme with Moorcroft

[lexis200]

Yes, I remember **** had hold of this for a while. I wonder why they havent had it back ? perhaps they are involved in a job creation scheme with Moorcroft

 

:lol:

[N.P]

Evening gang,

 

Right, out of the blue, a couple of days ago I got this rather interesting letter from some goon at Lloyds TSB.

 

 

 

 

 

 

I`m not really what to make sure of this, but I haven`t wrote or rang them or anything else for about 20 years now. They are silly people and I can`t be bothered with silly people.

 

I`m still waiting for a copy of the agreement they accused me of breaking between myself and them, I also want back EVERY penny stolen from me in charges since the birth of this account 24 years ago + EVERY penny of interest on EVERY charge, at their own silly, extortionate rate.

 

Nothing wrong with that is there?

 

 

 

N.P

[citizenB]

We realise that if we add any more charges and interest, you might be able to claim them back when we lose the OFT case

[N.P]

Evening all,

 

Dear me, another letter from Morecrap. These people are really boring the hell out of me.

 

Saying that, I must admit I`ve never had one from their so-called `Home Collections Division`.

 

It goes something like this -

 

 

 

 

 

 

Is there any point in replying to these amoeba`s yet? Or should I just see if anyone comes around then knock him out and chop him up into peaces and feed him to the pigs?

 

Maybe bury the big, daft, treble chinned, empty headed numpty under the patio and build a garage on top?

 

Or, I could just knock him out and take his tattoo`s off him

[spiritgirl59]

Hi NP

 

Hope you are keeping well?

 

Morecrap are chasing me too... same load of Jackson Pollocks being received here too luv, so you are not alone LOL !

 

IMHO they are scraping the bottom of the barrel with us - they know they haven't got a legal leg to stand on and are trying to cajole us into paying them thinking that by offering their "discount offer" we will now eagerly jump up and down with glee and part with our hard earned cash to them since their sudden generosity knows now bounds ........ bless their cotton sox for trying....... :lol:

 

I personally am filing and ignoring all their drivel. I wrote to them one time only and told them that unless and until they provide the correct documentation I would not be corresponding with them further. Needless to say they haven't provided any documentation but still keep sending these silly letters. Its up to you, but I would just file them too - why waste the price of a stamp???

 

Oh btw, they have tried the "personal caller" technique with me too - phoning up and using a very friendly voice to ask for me by my first name...and that didn't work either LOL........because as soon as I asked who was calling they told me MDR about a personal matter.......pmsl....so I said I was not in The caller then very rudely demanded I made a note of their phone number so that I could call them back as soon as I got in........the friendly approach being dropped like a hot potato.....no surprise there then eh??? :lol:

 

Love SG x

[citizenB]

Hmmm, might be worth contacting davey77. He had quite a good penpal relationship with these cretins some while ago.. Perhaps he has heard of the "Home Collections" division.

[N.P]

Hi sg and cB,

 

Thanks for checking in.

 

I haven`t actually contacted these fudge packers yet, since they`ve had the account. Why would I want to? They`ve had all of my accounts, and they don`t seem to catch on that I`m not giving them a single penny.

 

I think I`ll just wait until some dick comes around, then I`ll seriously abuse him. I`m getting bored with all these stupid letters now.

 

I mean, lets look at what the last letter says. If you don`t give us any money we may tell our client to contact their Solicitors. What again? That means, there is no space in the world for these stupid companies.

 

Why doesn`t the goverment just close them all down, extend the dole que with the unemployable idiots that work in them, and let the creditors take us to court for their money?

 

Enough of the rant. I`m tired, I had a long night on the PC last night, LOL.

 

Catch you gals later.

 

Ciao for now

 

 

[N.P]

Evening people,

 

Just to say I got another stupid letter from Lloyds TSB this morning. It is exactly the same as in Post 539, except it has November, instead of October.

 

 

 

N.P

[N.P]

Hi Gang,

 

Right, just a quickie.

 

While I was at the other half`s new house, wallpapering, this afternoon, my parents rang to say there was a bloke there wanting to speak to me.

 

As I was very busy, he came on the phone and said he was calling on behalf of Lloyds TSB for a chat.

 

Before he got any further, I told him if Lloyds had anything to say, to put it in writing, or to make an oppointment with me. I then told him to hang up the phone and leave.

 

So, I`m not exactly sure who or what it was about, exactly, only Lloyds TSB, so I`m assuming it was Moorcroft.

 

My parents said later, the last thing the bloke said was, it was now out of his hands and it was going to Court now.

 

Right, must dash, we are moving house this weekend. Wish me luck!!

 

Ciao for now.

 

 

N.P

[N.P]

Has anyone experienced these clowns at home?

 

What would their next move be?

 

Anyone?

[angel_1]

hiya all

 

lets all have a fab 2010 and keep positive as always informative info posted on this thread that i can again learn from:-)

 

hope the house move went smoothly

 

ive had a letter from Debt Managers ltd - Pursuant to the county courts act and that proceedings to recover the debt with solicitors fees and cost MAY be instigated at Rotherham county court and that immediate payment must be made etc etc

 

im still awaiting on my sars from lloyds and what cca they have sent is pants as i cant read it, thus will decide my next action tomorrow now

 

maybe they have used a local collector to visit you -?

 

above all keep positive

 

thanks to all laters angel x

[N.P]

Evening boys and girls,

 

An update regarding my Current Account this time, as this is also mixed in with this thread, somewhere.

 

Yesterday I received a letter from Lloyds TSB regarding my Current Account and the recent Supreme Court judgement on charges. I`m sure thousands of you have also received one?

 

It waffles on about not paying out anymore, and reopening the account, and that they will expect to be paid the overdraft soon, or they will begin chasing it up again. They also mentioned the FOS incase we can`t come to an agreement.

 

What I want, is ALL my charges back + interest at their own extortionate rate. They say I have broken an agreement between the Bank and myself, yet they have failed to show up with this agreement, or the Account opening form.

 

The account is 24 years old, opened when they were TSB. So, my thinking is this - How can they say I owe them money on an Account, to which they have no Agreement, and haven`t shown up with the original T`s & C`s, when a Charge WAS called a Charge, and only £5?

 

Won`t they also have to provied 24 years of documents to support their claim?

 

I`m under the impression, they should keep ALL documentation up until 6 years AFTER the account has closed, for Tax and Fraud purposes. Is this correct?

 

Won`t they need the original agreement, to show I agreed to be ripped off in the first place?

 

I`m expecting some crap like, you agree to the T`s & C`s by using the Account, yet ALL Accounts start with some paperwork, don`t they?

 

Any thoughts people.

 

 

 

N.P

[N.P]

Evening people,

 

Right, another update from Lloyds TSB today.

 

It`s an Enforcement Order served under Section 76(1) Of The Consumer Credit Act 1974).

 

It basically states my current account is £173 overdrawn on the overdraft.

 

It goes on on to say I have broken a part of the agreement between the Bank and myself.

 

It states I should pay up by 17th February, by which time they will set SC&M upon me, to reclaim through the courts.

 

Now, as I`ve mentioned before, this account is around 24 years old, from when they used to be just TSB, and they have not shown up with a copy of the original agreement and T`s & C`s. I trust that would be the agreement they mention?

 

Also, I`ve read current accounts and overdraft are not covered by the CCA. Can I ask why, and who actually says they aren`t? Afterall, an overdraft is a running account, which is supposed to be cleared by the end of the month and gathers interest if it doesn`t.

 

If they can issue an Enforcement Notice under the Act, then an overdraft must be regulated also.

 

The letter also waffles on about credit references and the like, I`m sure most people reading this would have read the same nonsense?

 

Has anyone got anything I could send? I can`t seem to lay my hands on my files at the moment. Everything is still a mess from the house move, I`m on monthly pay and I`ve ran out this month

 

Thanks for looking people.

 

 

 

N.P

[N.P]

Evening gang members,

 

I`ve just remembered I received a letter from the knobs at Morecrap at the weekend.

 

It stated they are disappointed that despite numerous letters and personal visits from there local rep, that this account is still unpaid. Who gives a **** what they think!

 

Anyway, it rambled on that they will give me one more chance to avoid possible legal action by their clients, and are offering me a 50% dicsount on the outstanding balance.

 

When I can be bothered I`m going to write to these pathetic, irritatting dicks and tell them exactly where to go, and if they send any more of their inbred morons around, they will be ejected with physical force!

 

This account is in serious dispute with Lloyds and should be dealt with by them, and not some company of retards!

 

 

 

N.P