TSB NIGHTMARE

[Still Waving]

Re: TSB NIGHTMARE

Hi.

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

[MrsD]

Re: TSB NIGHTMARE

agree, they are silly buggers

[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

[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.

[cymruambyth]

Re: TSB NIGHTMARE

Wait until Moorcroft contact you.

[nightwatch]

Re: TSB NIGHTMARE

agree with Cym xx

[Oldandblue]

Re: TSB NIGHTMARE

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

[cymruambyth]

Re: TSB NIGHTMARE

Yes that's what I would send.

[Oldandblue]

Re: TSB NIGHTMARE

agree with Cym xx

Thanks Nightwatch

[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.

[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

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

[Pixie]

Re: TSB NIGHTMARE

Hi Oldandblue. You've already said what you're going to do, send SWID, which imo is the right response. You can find the SWID template in this section of the forum but you'll need to join AAD+ first to access it, see here.

Don't worry about the phrase "take further recovery action". It usually just means send more letters. Moorcroft dealt with my TSB account (and my Barclaycard) a few years ago and were easily dealt with.

Do you know if TSB had already registered a default because Moorcroft say their client (ie TSB) has registered a default?

[Oldandblue]

Re: TSB NIGHTMARE

Thanks Pixie, it's the default that's got me worried, the account was defaulted in about 1995 and passed to SMC for collection.
they can't register again can they

[Pixie]

Re: TSB NIGHTMARE

A default can be registered twice (they often are when a debt has been sold) but only with the original date. I wouldn't worry about it for now as it can be sorted once the debt is SB.