onesteptoofar UE Diary

[onesteptoofar]

Re: onesteptoofar UE Diary

currently renting from parent, sole tenant and likely to be that way for 2+ more years... old address post is going is my mothers home

[Deepie]

Re: onesteptoofar UE Diary

currently renting from parent, sole tenant and likely to be that way for 2+ more years... old address post is going is my mothers home

If it were me then....I'd keep quite

[onesteptoofar]

Re: onesteptoofar UE Diary

will do. thanks deepie

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Credit Card
Limit increased to 10k over the years - Taken July 05
Enforceable CCA - Niddy checked
Outstanding balance - 13500
Default - Nov 2009
Nothing paid since Sept 2009
DCA - Was Apex Credit Management, went back to Lloyds, then Robinson Way Ltd, then IQOR Letter received from Lowell Financial, asking me to get in touch and agree a repayment plan...

After sending a sold in dispute letter and receiving several replies 'we are waiting for your credit agreement....we have not received a copy of your agreement from Lloyds yet'... i have today received a letter from Lowell.

'After liasing with Lloyds in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened...we are closing your account....at this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from Lloyds'

I just have to wait until Sept 2015 then statute barred... fingers crossed

[Enforcer]

Re: onesteptoofar UE Diary

Brilliant News! Nice Xmas present for you.
Just hope that Marlin write to me with a similar letter. I already have written confirmation from Lloyds dated 5th May 2011 We have not been able to locate an agreement. Apparently this is due to retention periods!
Looks like the binned everything from before May 2004.

[Pixie]

Re: onesteptoofar UE Diary

Great news onesteptoofar

[alland]

Re: onesteptoofar UE Diary

Brilliant News! Nice Xmas present for you.
Just hope that Marlin write to me with a similar letter. I already have written confirmation from Lloyds dated 5th May 2011 We have not been able to locate an agreement. Apparently this is due to retention periods!
Looks like the binned everything from before May 2004.

They managed to dig my CCA up from 2002 , although previously deemed to be UE, I too am waiting to see how Marlin's handle the account now they have purchased all rights to it from Lloyds !

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Loan - 20k - Taken July 2005
Enforceable CCA - Niddy checked
Outstanding balance - 7500
Last full payment made - June 2009
Token 1 pound payments made to relevant DCA's until Sept 2010
Default - Nov 2009
DCA - The latest DCA was IQOR Recovery Services Ltd (letter received to old address threatening we MAY commence legal action)
Current Status - Last letter they received from me > Final Response - Unenforceability (CCA Received)

Have received the first contact on this debt since December 2012.

This debt was passed back to Lloyds who have now passed it to Capquest. First letter received from capquest - 'welcome to capqest we're now looking after your account....your account has been sold by LTSB to Capquest.... we need to discuss your account'

Anything to send? Or sit tight until they contact again?

[Enforcer]

Re: onesteptoofar UE Diary

Lloyds cannot find my agreement. Macenziehall confirmed that they were unable to obtain a copy, now passed to Marlin.

If they can't find it the only thing that they can do is keep pestering. Sit it out.

[vint1954]

Re: onesteptoofar UE Diary

Wait until they contact you again, then send sold while in dispute letter

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Account
Commenced pre-1998
Outstanding balance -2800
Token 1 pound payments made 2009-2010
ACCOUNT HAD NOT YET DEFAULTED in Sept 2010, i have not checked if it has since this date
DCA - Arrow Global

Last payment made - token 1 pound payments ceased in Sept 2010.

Last correspondence I sent:

Account sold in dispute letter to IQOR, the last known DCA

Hi Niddy,

I hope you are well.

Finally received my first bit of correspondance on this account since Dec 2012 - all previous DCA's were using an incorrect address, they've finally corrected this.

Letter from Lloyds TSB credit ops notifying me that Lloyds TSB has assigned all of its respective rights, title and interest in this account to Arrow Global Limited from Nov '13. Restons have been appointed to manage the account.

Attached is a brightly coloured letter 'notice of assignment' from Arrow requesting i get in touch with Restons to agree a repayment plan.

Anything to send, or sit tight?

Thanks in advance

[Deepie]

Re: onesteptoofar UE Diary

Hi Niddy,

I hope you are well.

Finally received my first bit of correspondance on this account since Dec 2012 - all previous DCA's were using an incorrect address, they've finally corrected this.

Letter from Lloyds TSB credit ops notifying me that Lloyds TSB has assigned all of its respective rights, title and interest in this account to Arrow Global Limited from Nov '13. Restons have been appointed to manage the account.

Attached is a brightly coloured letter 'notice of assignment' from Arrow requesting i get in touch with Restons to agree a repayment plan.

Anything to send, or sit tight?

Thanks in advance

See what they send next...then maybe a fresh CCA request......

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks Deepie. Much appreciated

[onesteptoofar]

Re: onesteptoofar UE Diary

Nationwide Loan - 20k - Taken Sept 04
Enforceable CCA - Niddy checked
Outstanding balance - 7500
Default - Feb 2010
Last full payment made - August 2009
Token 1 pound payments have been made every month bar 2 since Sept 09 until Sept '10 when i stopped all payments.
Last previous correspondance - Letter received from MKDP acknowledging the account sold in dispute letter and that they are still liasing with the original creditor.
DCA - MKRR

Hi Niddy,

Letter received from MKRR, not MKDP this time. Still using an old incorrect address requesting i contact as a matter of urgency. My account will now be referred to Keynes Collections for litigation consideration.

My last correspondance to MKDP was an account sold in dispute letter. Sit tight awaiting further correspondance?

Thanks in advance

[MrsD]

Re: onesteptoofar UE Diary

personally I'd do a one liner referring them to the swid