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Re: Need Advice
UPDATE...Originally posted by Lovemoney View PostLLOYDS TSB BANK - (CREDIT CARD)
START DATE: 14/4/2005
DEFAULT BALANCE: £1536
DEFAULT ON: 7/8/2006
ACCOUNT SOLD TO DCA (BLS) - AGREED £1 TOKEN PAYMENT SET UP STANDING ORDER EACH MONTH
HISTORY
24/3/12
Niddy says
26/3/12
Missing Prescribed Term sent.
6/7/12
received letter from BLS saying have not received the Repayment Plan Arrears: £2.00. To avoid further action must pay £2.00 within 7 days. If want to make a payment today please contact. If you're experiencing financial difficulties we would suggest contact Debt Management Co such as XXXXX. I you've made a payment i the last 7 days, please ignore. *IGNORE*
18/7/12
received letter from BLS It is essential that you telephone BLS Collections on XXXXXXXXX TODAY.
(underneath the letter) PLEASE ENSURE REGULAR PAYMENTS ARE MAINTAINED TO AVOID FURTHER ACTION BEING TAKEN).
24/7/12
(#357 Paul special) letter with copies of Missing Prescribed Term sent.
25/7/12 Balance £1452.33
received letter from BLS Repayment Plan Arrears: £2.00
We contacting you about the above a/c as the repayment plan you agreed is still overdue. We have previously reminded you about the money you owe & you must pay the amount outstanding straight away. You can do this by calling the no above. If you don't pay the outstanding amount to bring yr a/c back on track within 10 days from the date of this letter yr a/c will fall further into arrears could result in yr repayment plan being cancelled & the full balance of £1452.33 will be due. If you are experiencing financial difficultie we would suggest you contact a Debt Management Co such as....free organisations who will assist you by offering independent advice on yr situation. If you have made a payment in the last 7 working days, please ignore this letter.
11/8/2012
received letter from Lloyds...(refer #378)
13/8/2012
Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status sent.
16/8/2012
received letter from BLS...It is essential that you telephone BLS Collections on XXXXXXXXXXXX TODAY. *see what they send next #389*
20/8/2012
received letter from Lloyds...
Further advice needed please....Comment
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Re: Need Advice
Flowerpower thanksOriginally posted by FlowerpowerAs they don't want to correspond with you further, why should you?
If it was me I'd just wait for their next move... 
....will do 
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Re: Lovemoney UE Diary
At last I've found this my Equifax (NOT IN EXPERIAN) printed credit report...Originally posted by Lovemoney View Post
HISTORY
STARTED: 3/8/2004
CURRENT BALANCE: £1909
DEFAULT BALANCE: £1960.00 (16/06/2006)
DATE UPDATED: 04/03/2012
PAYMEMT HISTORY: 05/2006=1, 06/2006=D
But can't remember when I make the last payment.
Originally posted by Lovemoney View PostAllied International using various numbers to call my mobile they leave voice messages quite often & ask me call regarding urgent business quote ref...
Accidently answer once saying she not available & put the phone down. 21/8/12 they call again
. I think bad time I send them Our Templates | Harassment & Intimidation Templates | Harassment by Telephone.
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Re: Need Advice
UPDATE...Originally posted by Lovemoney View PostLLOYDS TSB (CREDIT CARD) CCJ/CO
STARTED: 22/12/2003
CURRENT BALANCE: £10232 (5/6/2011)
DEFAULT BALANCE: £10256 (17/10/2006)
ACCOUNT OWNER: ALLIED INTERNATIONAL CREDIT (2008); ROBINSION, WAY & CO (2009); DLC (2011)
HISTORY
9/9/09
sent cca request
16/9/09
replied saying request for a copy of cca be directed to them (lloyds tsb) a/c has been placed on a temporary delay until receive cca by lloyds tsb.
17/9/09
replied saying request for a copy of cca be directed to them (lloyds tsb) a/c has been placed on a temporary delay until receive cca by lloyds tsb.
21/9/09
send a letter to complaint them unable to supplied me a copy of cca.
25/9/09
received reminder disruption to postal service enclosed with extra payment slip.
25/11/09
received letter saying in view of my recent query & comment, we have today removed your a/c from our files, & returned my case to lloyds tsb who will deal directly with me in the future. lloyds tsb has been made aware of the reason why a/c is being closed & returned.
18/7/11
received letter from tsb has assigned all tittle and interest including the outstanding bal to Hillesden Securities Ltd. Under the term assigment, as defined Data Protection Act 1998. DLC has been appointed by Hillesden to manage my a/c and future payments and correspondence.
18/7/11
received confirmed letter from DLC about assignment.
27/7/11
send in proposal, hardship difficulties & budget sheet.
1/8/11
Dlc replied failed to maintain acceptable payment, made equiries with land retistry confirmed hse owner will take legal action ccj then charging order to secure the debts.
3/8/11
Dlc & tsb send letter reissued for completeness
17/8/11
received letter from Alplin(Solicitor) instructed by??? to recover the outstanding balance in full or reach agreement within 7days legal proceedings.
8/9/11
received letter from dlc unable to accept recent payment offer as unrealistic intention cc claim blah blah....
26/9/11
replied don't want to go to court, due to financial hardship can only afford £1 at the present, offer still open to accept.
14/10/11
received letter from Aplins instructed to issue legal proceedings against me unless payment in full immediately. If payment not received 14days a Claim will be issued NCCBC together with claim a interest & legal costs.
27/10/11
replied to Aplins reconsider my offer and explained financial hardship.
2/11/11
received Notice of Default Sums from dlc & court claim form.
21/11/11
received letter from dlc been instructed Aplins to reject my offer for payment. The reason wish to apply court order for forthwith in order then charging order on my property.
28/11/11
received Notice of Default Sums from dlc.
16/1/12
received annual statement of a/c from dlc.
15/2/12
received notice of transfer of proceedings from NCCBC. To all parties this claim has been transferred to the local ccc for enforcement.
1/2/12
advice by national debt helpline make a complain to FOS relates to asking for copy of the agreement not able to comply a/c was then closed and returned to the bank. Did not hear hear anything regarding the debt for 2yrs received a letter from new dca, have sent details financial hardship was refused now going to county court for charging order.
5/3/12
received details of the complaint, should hear from the business next few days and final response in writting within 8 wks.
6/3/12
acknowledge receipt of complaint from dlc saying will respond within 5days and opportunity to fully investigate the points have raised. (enclosed a copy of their Complaints Procedure for my reference)
19/3/12
received reply explained all the steps since dlc started the account & disagree with claims that no contact has been made for 2yrs and closed the a/c and returned it to the "bank". the complaint has not been upheld & remain with Litigation Team please contact them to discuss the next course of action. We trust now resolves the matter confim this by return writing or telephoning await response no later than 5/4/12.
21/3/12
I phoned FOS, been advised give dlc a call to check is that final response with the complaint if not request them put it in writing to confim then sent back to FOS can carry further investigation. Immediately phoned dlc saying Lloyds sold them this debts been told isn't anything wrong with the a/c. And advised need further investigation put it in writing.
28/3/12
received Notice of Adjhourned Hearing...
TAKE NOTICE that the Hearing has been adjourned until 28/5/2012 at 11:00am at Local CCC When you should attend
Please Note: This case may be released to another Judge, possibly at a different Court.
4/5/12
received a letter from FOS thanks for yr correspondence received safely on 30/4/2012. Because wer are receiving very high numbers of enquiries, it may be up to four wks before we come back to you.
17/5/12
Husbands & my objection letters are hand in to the Court office.
AND sent cca request.
23/5/12
personally hand in N245 to the Court office.
23/5/12
received a letter from FOS...thanks for contacting us about yr complaint. We have now asked the business to send us the information they have about yr complaint, which we need so we can investigate further.Once we have received this, one of out adjudicators can begin to look at yr case. They will contact you to introduce themselves & discuss yr complaint in more detail. This should be happen within twelve wks-pls let us know if yr circumstances change significantly *if you are experiencing serious financial difficulty, serious ill-health, threatened with legal action relating to yr complaint or if the business contacts you with an offer.
8/6/12
received confirmation from the Court regards Final Charging Order and the instalment order is varied to £1 per month, next payment to be paid by 01 June 2012.
28/5/12
received acknowledge letter from DLC confirm receipt of payment £1 in connection with data request under the Consumer Credit Act 1974, still awaiting copy documentation from client (Lloyds). When this becomes available it will be forwarded. If unable to forward a copy of the original agreement, will be able to supply a true copy of the document which will comply with section 77-79 of the CCA 1974, and will update you on developments in 21 days if there are no developments beforehand.
18/6/12
received letter following up request for copy documentation with our client (Lloyds). When this becomes available will forward it to you. A/c is on hold and all further action has been suspended in anticipation of receiving the documents required, and will update you on developments in 21 days if there are no developments beforehand.
20/6/12
received NOTICE OF DEFAULT SUMS...this notice is given in compliance with the CCA 1974 because you have default sums payable on the following a/c. This notice does not take account of default sums which we have already told you about in another default sum notice, whether or not those sums remains unpaid. 19/6/2012 Litigation Cost (debtor) total amount due in this notice £114.00.
29/6/12
received a reply from FOS...further to our letter dated 6/5/2012, your complaint has been referred to me for consideration. Unfortunately, the FOS is not free to consider every complaint referred to it. I am sorry to tell you that yr complaint does not appear to be one that we can consider further.
The business has explained that this matter has been reviewed by a court & a judgement has been entered against you. Our service would decline involvement in matters that have or are subject to court proceedings, as this could lead to a conflict in the outcome. This is also because a court is a higher authority than ourselves so we are unable to overturn a judge's decision, as we are an informal alternative. I do not believe we can consider yr complaint further. I appreciate that this is likely to come as a disappointment to you. I know that this is not the outcome you were hoping for. But I hope that my explanation has been helpful in setting out clearly why I have taken this view.
However, if you disagree with how I have reached my conclusions, please write & tell me setting out yr reasons & including any evidence that you have not already provided & that you think is important to yr case. Could you pls let me know now if you plan to reply fully but do not think you will be able to meet that deadline.
9/7/12
received letter following up request for copy documentation with our client (Lloyds). When this becomes available will forward it to you. A/c is on hold and all further action has been suspended in anticipation of receiving the documents required, and will update you on developments in 21 days if there are no developments beforehand.
17/7/12
I reply with this....
dear XXXXXXXXXXXXXXXXX
with reference to your letter dated 29th june 2012, referring to my complaint about hillesden securities ltd (trading as dlc)
i understand your position regarding court proceedings because of a possible conflict in outcome, however as the legal process is over, resulting in a charging order against my property, i wish to still complain about the matter.
their haste in taking me to court, and the non-compliance with my credit card agreement request, even after their court win in which they won a charging order on my property which the judge said would be unenforceable as long as i continue to pay £1 per month. even now they still cannot provide the cca and have put my account on hold.
how could they be allowed to proceed to court without proof of the debt? i would like to point out that this account is formally in dispute with lloyds tsb and has been since they failed to acknowledge my consumer credit agreement (cca) request, in line with s.77-s.79 of the consumer credit act 1974 (cca1974). this account was sold whilst in dispute. especially due to the fact that whilst my cca request remains in default (outstanding), enforcement action is not permitted in line with s.127(3) of the cca1974.
i am upset that these debt buying/collection agencies can run to the courts and be accepted without going through the proper procedures, they appear to act as if they are the law and above reproach where in fact they are just trying to earn easy money from vulnerable who don’t understand the law and actually believe these people are working on behalf of the original creditor and not for their own self interest.
i have attached...
yours sincerely
30/7/12
received letter following up request for copy documentation with our client (Lloyds). When this becomes available will forward it to you. A/c is on hold and all further action has been suspended in anticipation of receiving the documents required, and will update you on developments in 21 days if there are no developments beforehand.
20/8/12
received letter following up request for copy documentation with our client (Lloyds). When this becomes available will forward it to you. A/c is on hold and all further action has been suspended in anticipation of receiving the documents required, and will update you on developments in 21 days if there are no developments beforehand.
I check my bank account, they already cash the £1 cheque(for request CCA) on 21/6/12
. FOS with no help thinking should I complain to OFT or will be wasting my time???
Further suggestion needed please
Last edited by Lovemoney; 23 August 2012, 19:06.Comment
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Re: Need Advice
UPDATE...Originally posted by Lovemoney View PostLLOYDS TSB BANK - (CREDIT CARD)
START DATE: 14/4/2005
DEFAULT BALANCE: £1536
DEFAULT ON: 7/8/2006
ACCOUNT SOLD TO DCA (BLS) - AGREED £1 TOKEN PAYMENT SET UP STANDING ORDER EACH MONTH
HISTORY
9/7/09
sent cca request
2/9/09
received a pile of printed condition agreement from lloyds tsb (emailed Niddy) without my signature, but according it said in the letter signed agreement???
23/9/09
received a final response letter from tsb which i complaint not happy with the documentation they send. they explained its set out in same details how they complied with section 78 of the cca. some customer wrongly believe that they are entitled to an original signed copy of the agreement is complete misapprehension that section 78 provides debtors with the right to obtain a copy of their original signed agreement.
5/10/09
sent complaint failed to send me a signed true copy of cca.
29/10/09
request to call bls collectin
5/11/09
requesting brought my payment programme up to date, you must pay full balance or contact immediately, failure to do so consider personal visit is required.
9/11/09
received a threat letter from bls due to lack of contact.
10/8/10
brought up to date by paying £1 today, if not will force to repay the full balance immediately.
27/8/10
requesting brought my payment programme up to date, you must pay full balance or contact immediately, failure to do so consider personal visit is required.
8/9/10
due to lack of contact, failure to comply within 14 days may result in court action.
18/9/10
ask to write of the debt due to my circumstances.
24/3/12
Niddy says
26/3/12
Missing Prescribed Term sent.
6/7/12
received letter from BLS saying have not received the Repayment Plan Arrears: £2.00. To avoid further action must pay £2.00 within 7 days. If want to make a payment today please contact. If you're experiencing financial difficulties we would suggest contact Debt Management Co such as XXXXX. I you've made a payment i the last 7 days, please ignore. *IGNORE*
18/7/12
received letter from BLS It is essential that you telephone BLS Collections on XXXXXXXXX TODAY.
(underneath the letter) PLEASE ENSURE REGULAR PAYMENTS ARE MAINTAINED TO AVOID FURTHER ACTION BEING TAKEN).
24/7/12
(#357 Paul special) letter with copies of Missing Prescribed Term sent.
25/7/12 Balance £1452.33
received letter from BLS Repayment Plan Arrears: £2.00
We contacting you about the above a/c as the repayment plan you agreed is still overdue. We have previously reminded you about the money you owe & you must pay the amount outstanding straight away. You can do this by calling the no above. If you don't pay the outstanding amount to bring yr a/c back on track within 10 days from the date of this letter yr a/c will fall further into arrears could result in yr repayment plan being cancelled & the full balance of £1452.33 will be due. If you are experiencing financial difficultie we would suggest you contact a Debt Management Co such as....free organisations who will assist you by offering independent advice on yr situation. If you have made a payment in the last 7 working days, please ignore this letter.
11/8/2012
received letter from Lloyds...(refer #378)
13/8/2012
Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status sent.
13/8/2012
received letter from BLS...It is essential that you telephone BLS Collections on XXXXXXXXXXXX TODAY. *see what they send next #389*
15/8/2012
received letter (refer #394). *WAIT FOR THEIR NEXT MOVE*
24/8/2012
received letter from BLS...Repayment Plan Arrears: £3.00. We've tried several times to contact you regarding the arrears on yr a/c. Unless the outstanding arrears amount reaches us within 10 days from 20/8/12 yr repayment plan will be cancelled & the balance of £1452.33 will be due. You can make a payment today by calling us XXXXXX. Failure to contact us may result inc:- 1. Yr a/c being passed to our legal department & court proceedings raised against you. 2. Yr a/c being passed to one of our local door-to-door collections agents who may call at yr address to discuss the outstanding debt. If you are experiencing financial difficultie we would suggest you contact a Debt Management Co such as....free organisations who will assist you by offering independent advice on yr situation. If you have made a payment in the last 7 working days, please ignore this letter.
Advice needed please...Comment
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Re: Need Advice
I would see what they do next if it were me.............Originally posted by Lovemoney View Post
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.Comment
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Re: Need Advice
Computer generated programme no doubt, they of course if challenged would blame the computer (seeing as a human cyclone would not of put such a programmen in ?) .Originally posted by Lovemoney View PostI'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.Comment
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Re: Lovemoney UE Diary
I2D
I'll do as you suggest and see what they do next
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Re: Need Advice
Originally posted by FlowerpowerWas the money credited to your account? If I remember correctly, you agreed with the court to pay £1/pcm towards this CCJ, did they take the PO you sent as this month's payment?
the payments are separate, for the request was a £1 cheque, the other was agreed in the hearing with DJ £1 standing order on 1st of the month for a life time.
You seem to have sent a CCA request for an account where they've already got a CCJ and CO so they have no obligation to respond to your request
they currently seem to think they do, I’ve received a few replies saying they’re still waiting for their client (Lloyds) and when it becomes available they will forward it...
What was your complaint to the FOS about?
The complaint to FOS related to how this new collector acted: previously I’d asked for a copy of the agreement they were not able to comply with and the a/c was then closed and returned to the bank(OC). I did not hear anything regarding the debt for 2yrs then received a letter from new dca, I sent details financial hardship, they refused my offer, I requested the CCA but without the CCA they went to court for charging order, they did all this within a month of first contacting me. I was hoping that without the CCA the creditor had no weight for the charging order. Unfortunately FOS replied...
When this case started was just before I found AAD
National debt helpline was helping. They said it was a good idea request a copy CCA before the hearing & hoped it would help for the case.
The complaint to FOS related to how this new collector acted: previously I’d asked for a copy of the agreement they were not able to comply with and the a/c was then closed and returned to the bank(OC). I did not hear anything regarding the debt for 2yrs then received a letter from new dca, I sent details financial hardship, they refused my offer, I requested the CCA but without the CCA they went to court for charging order, they did all this within a month of first contacting me. I was hoping that without the CCA the creditor had no weight for the charging order. Unfortunately FOS replied...
Comment
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Re: Lovemoney UE Diary
UPDATE...Originally posted by Lovemoney View Post
23/8/2012
reply received from FREDRICKSON INTERNATIONAL LTD...have referred the matter to our client & will revert to you as soon as we are in receipt of instructions. In the meantime, we confirm that we have placed the account on hold.
which I assume is ignoredComment
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Re: Lovemoney UE Diary
UPDATE...Originally posted by Lovemoney View PostMBNA (CREDIT CARD)
ACCOUNT SOLD TO DCA (LINK FINANCIAL)
STARTED: 28/8/2003
CURRENT BALANCE: £1574
DEFAULT BALANCE: £1617 (1/11/2006)
HISTORY
21/3/2012
Niddy confirmed
26/3/2012
sent off MPT letter.
16/3/2012
received REMINDER NOTICE-YOUR PAYMENT IS OVERDUE.
the payment £1 was due on 25/4/12 & as such yr repayment plan is in arrears. If the sum shown below is not made immnediately then the plan will be cancelled and the full outstanding balance of £1565.50 will be due. should contact an Account Officer to make this payment by Debit or Credit Card today.
TOTAL NOW PAYABLE £1.00.
8/6/2012
received letters from LINK have recently cancelled the agreement to repay this sum in regular instalments because you failed to make these payments on the agreed schedule, may have occurred through a change in your circumstances or simply an oversight on yr part, however it is important that we get this a/c back on track. Contact and speak to an a/c officer to clear any arrears and reset payment plan or to indicate why you can no longer meet yr plan.
11/6/2012
Harassment by Telephone template send.
18/6/2012
received a reply from LINK thank you for yr letter dated...we confirm that we shall remove yr contact telephone no on the a/c on the proviso you enter into proper dialogue regarding settlement of yr outstanding a/c. The a/c is in arrears as you have made no payments on the a/c since 20/3/12. Please confirm yr payment proposal by return. If have any questions or queries in relation to this letter feel free to contact xxxx.
28/8/2012
Letter from Link received today...
Can someone please advise what to do next...thanks.Comment
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Re: Lovemoney UE Diary
UPDATE...Originally posted by Lovemoney View PostMBNA (CREDIT CARD)
HUSBANDS
ACCOUNT SOLD TO DCA (LINK)
21/3/12
Niddy confirmed
26/3/12
sent MPT letter(without recorded post).
21/5/12
received REMINDER NOTICE-YOUR PAYMENT IS OVERDUE.
the payment £1 was due on 30/4/12 & as such yr repayment plan is in arrears. If the sum shown below is not made immnediately then the plan will be cancelled and the full outstanding balance of £15,972.00 will be due. should contact an Account Officer to make this payment by Debit or Credit Card today.
TOTAL NOW PAYABLE £1.00.
6/6/2012
received letters from LINK have recently cancelled the agreement to repay this sum in regular instalments because you failed to make these payments on the agreed schedule, may have occurred through a change in your circumstances or simply an oversight on yr part, however it is important that we get this a/c back on track. Contact and speak to an a/c officer to clear any arrears and reset payment plan or to indicate why you can no longer meet yr plan.
8/6/2012
Harassment by Telephone template send.
18/6/2012
received a reply from LINK thank you for yr letter dated...we confirm that we shall remove yr contact telephone no on the a/c on the proviso you enter into proper dialogue regarding settlement of yr outstanding a/c. The a/c is in arrears as you have made no payments on the a/c since 20/3/12. Please confirm yr payment proposal by return. If have any questions or queries in relation to this letter feel free to contact xxxx.
28/8/2012
received this letter from Link....
Comment
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Re: Lovemoney UE Diary
I Would send this if it were me---------> CCA Query - Creditor Refusal to Accept UE StatusOriginally posted by Lovemoney View PostI'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.Comment
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Re: Lovemoney UE Diary
Originally posted by in 2 deep View PostI2D
Thanks for swift reply....It is very much appreciated.
Will get the letters off in post today. Just like to check use same template letter for my husband a/c.Comment
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