TSB NIGHTMARE

[Oldandblue]

Re: TSB NIGHTMARE

Hi All,
So advice please not sure what to do here. Letter today from MOORCROFT
Both our client and we don't wish to take further recovery action but will have no alternative if FULL PAYMENT is not received by 5th MAY 15. Well there's NO CHANCE OF THAT.
We draw your attention that our client has now registered a DEFAULT against your credit file.
I thought that a default could only be registered ONCE against an account
Can someone suggest the best course of action please

[cymruambyth]

Re: TSB NIGHTMARE

Don't reply immediately; either wait 2 weeks or the day before any deadline they may give.

[Oldandblue]

Re: TSB NIGHTMARE

Yes that's what I would send.

Thanks Cymruambyth I'll get it ready cos no doubt they'll come straight after me.

[Oldandblue]

Re: TSB NIGHTMARE

agree with Cym xx

Thanks Nightwatch

[cymruambyth]

Re: TSB NIGHTMARE

Yes that's what I would send.

[Oldandblue]

Re: TSB NIGHTMARE

Thanks Cymruambyth , I'll wait. then do I send them Account in Dispute letter or something else

[nightwatch]

Re: TSB NIGHTMARE

agree with Cym xx

[cymruambyth]

Re: TSB NIGHTMARE

Wait until Moorcroft contact you.

[Oldandblue]

Re: TSB NIGHTMARE

Morning all,
Update. After receiving a recon Niddy says Unenforceable . On the 23 Aug I sent TSB CCA query terms & conditions received. Letter back yesterday briefly says
Enclosed recon copies of agreements for both accounts. We have supplied copy of the agreements complying with s78 which contains all the prescribed terms. We don't have to produce an actual copy of the signed document. Reg 3(2)(b)Consumer Credit cancellation notice and copies of docs Regs 1983.
These appear to be identical to what was sent before and are only copies of up to date T&C's, nothing to do with the original agreements.

Hi All,
To date TSB has still not complied with my CCA request, have only been sending letters asking for payment which I ignored.
Today I received letter from them saying as I have failed to pay as requested they have now instructed MOORCROFT to collect the outstanding debt, and I need to contact them immediately to arrange payment.
Will I send TSB a letter saying they have failed to comply with my CCA request or wait till MOORCROFT contact me.

[Oldandblue]

Re: TSB NIGHTMARE

Hi.

If it was me, I would wait to see what turns up next.

agree, they are silly buggers

THANK YOU Still Waving and MrsD. I'll just wait and see what or if comes next

[MrsD]

Re: TSB NIGHTMARE

agree, they are silly buggers

[Still Waving]

Re: TSB NIGHTMARE

Hi.

If it was me, I would wait to see what turns up next.

[Oldandblue]

Re: TSB NIGHTMARE

UPDATE.

whoever is dealing now, never mind what has happened in the past, some of ours have been through 10 DCAs................whoever wrote the letter last week, get the CCA off to them. They have to address it even if it's only to come back and say they can't find it, but the MUST address it.

keep everything else should we need it later

Thanks Mrs D, Understand, it's Robinson Way then , will send CCA tomorrow

Received letter today from ROBBERS WAY,
We acknowledge your recent communication and write to inform you that the account to which it was referring to is now closed. We will pass any documentation /information to our clients to deal with accordingly.
You can contact them at the following address
HPH2 ex TSB
London Scottish House
Salford
Very strange it's the same address as ROBBERS. But need to check will I have to resend CCA request to HPH2 or should I just ignore for now

[Oldandblue]

Re: TSB NIGHTMARE

if they look identical they most probably are, so doing nothing for now sounds like a good plan, enjoy the rest of your weekend.NW

Thanks Nightwatch,
Yes I'll just wait and see Its a lovely day here sun shinning think I'll just chill in the garden may even have a wee dram later. You have a good weekend too. Thanks again

[nightwatch]

Re: TSB NIGHTMARE

if they look identical they most probably are, so doing nothing for now sounds like a good plan, enjoy the rest of your weekend.NW