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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Lloyds TSB Mastercard


N.P
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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 -

 

 

 

MidasLegalservices.jpg

 

 

 

Has anyone dealt with these empty heads before?

 

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

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi Curly old dude,

 

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

 

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

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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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

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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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:

Time flies like an arrow...

Fruit flies like a banana.

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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 :confused:

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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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!

Time flies like an arrow...

Fruit flies like a banana.

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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 :rolleyes:

 

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.:p

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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 :rolleyes:

 

 

Hi cB, me little bombshell, :D

 

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 :D Can I say that? Anyway, who cares?

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi cB, me little bombshell, :D

 

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 :D 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 :rolleyes::D

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Evening gang,

 

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

 

 

 

LTSB12.jpg

 

 

 

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? :p

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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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 :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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 -

 

 

 

Moorcroft3-LloydsTSB.jpg

 

 

 

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 :D

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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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 ! :D

 

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" :rolleyes: 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 :smile: ........ bless their cotton sox for trying....... :lol::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 :wink: 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::lol:

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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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.:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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

 

 

:p

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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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

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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  • 1 month later...

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

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Has anyone experienced these clowns at home?

 

What would their next move be?

 

Anyone?

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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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

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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  • 2 weeks later...

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

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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  • 2 weeks later...

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

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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  • 1 month later...

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

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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