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  • #31
    Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

    Pressure will soon be a thing if the past, to you (with this account).... You'll be fine
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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    • #32
      Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

      Originally posted by Spector View Post
      Hi Missy

      Yes it is a good result. I've genuinely never come across support like this ever. Wonderful!

      Spector
      Its the real deal isn't it! Stick around and stay chilled!
      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #33
        Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

        Nice one, cannot find our DNs so hard to argue with Lloyds as they think they are in charge, even thou the sar I have has a sentence in that says "default can be removed but we need to keep the payments coming in" or words to that effect
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #34
          Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

          I did tell you that 2010 was a bad year for LTSB and their DNs

          This site is fantastic, I just wish it had been around 10 years ago as I think I made every error possible, which is why I'm still dealing with all this!
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #35
            Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

            Yes, I agree cymruambyth.

            10 years ago would have been the right time to address my problems in this way as well.

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            • #36
              Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

              if I think about it,(gosh thats hard) the 2nd DN was in with a statement and looked like part of the statement
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #37
                Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

                Well what can I say!! Have just been into the shed to look for something( this is dangerous as last time I did this i was missing for a week) came across a box with some random papers in, so random that I have found:

                letter from LLoyds Feb 2002 saying they have closed the account because of the amount we owe
                Default 27th Aug 2003 giving us till 10th Sep to rectify
                Default 14th Jan 2004 giving till 28th Jan to rectify
                Default 17th Aug 2010 giving 6th sept as remedy date
                letter may 2011 saying that the account was closed in 2002 when they froze the interest and cancelled the card, and that the account was charged off november 2010, when the account is charged off and goes to Consumer debt recovery, the original default notice was applied.
                page of SAR that states, to advise on points given in ds letter- advise that we can remove default and adverse however payments must remain incoming as default can not be re-applied await outcome

                so armed with all this can I get the default removed from hubbys CRA file?
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                • #38
                  Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

                  When did Lloyds register the default on your husbands credit file?

                  If you would like me to take a look please scan and email the paperwork to Niddy for me to see.
                  Legal Disclaimer
                  I am a solicitor Advocate who specialises in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedence for creditors compliance with s.77 & s.78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk.

                  If you need to contact me you can send me a message by clicking my username or by emailing me at jo@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.

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                  • #39
                    Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

                    sent Defaults to Niddy x
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                    • #40
                      Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

                      Hi
                      If I am correct the first two defaults were bad in that they only allowed 14 days and not 14 days from service although I am not sure when the time scale changed from 7 to 14 days

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                      • #41
                        Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

                        1st October 2006
                        Legal Disclaimer
                        I am a solicitor Advocate who specialises in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedence for creditors compliance with s.77 & s.78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk.

                        If you need to contact me you can send me a message by clicking my username or by emailing me at jo@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.

                        Comment

                        • #42
                          Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

                          they registered a default in 2002 (Feb) when they closed the account but don't have it, and did not keep a copy of hubbys CRA file that showed it on there .well we did but the computer it was on blew up! then from 2008-2010 they were reporting it as AP
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                          • #43
                            Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

                            Hello Spector

                            Ok first things first. Send a s.78 CCA request to LLoyds enclosing the statutory £1 fee.


                            I would also suggest that you make a Subject Access Request under the Data Protection.

                            i will email you the 2 letters tonight.


                            Please send me the latest letters you have received from Lloyds so I can draft suggested appropriate response.
                            Legal Disclaimer
                            I am a solicitor Advocate who specialises in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedence for creditors compliance with s.77 & s.78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk.

                            If you need to contact me you can send me a message by clicking my username or by emailing me at jo@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.

                            Comment

                            • #44
                              Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

                              Hi josie

                              My goodness I can't just respond without acknowledging how late you are working in order to help me. Thank you.

                              There has been little recent correspondence from LTSB. And there is the complication of Cabot's involvement.

                              I will email you what I think is the most relevant stuff from LTSB and Cabot. I will need to find some correspondence before I can scan and send. I'll get it to you asap.

                              Thank you again

                              Spector

                              Comment

                              • #45
                                Re: Advice needed re a Trustcard Account, DCA, Default Notices and Other Matters

                                Hi again josie

                                I have just emailed you all "recent" relevant correspondence. I hope I haven't sent too much.

                                Please let me know if you haven't received it.

                                Thank you again

                                Spector

                                Comment

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