Bluemonday 3 Unenforceability Diary

[Bluemonday3]

Thank you so much, from my recall I sent to Lloyds and then Westcot, neither came back with the CCA, so I will sit tight.. I am wobbling a bit as I think Link maybe a be a bit more determined!

[Still Waving]

BTW, when you update a diary entry at the beginning of your diary, it's a good idea to put a new post referring to the updated post number, or it may not get noticed. I have only just seen that you updated post #8 in December, concerning the contact from Link. (What I used to do was to copy the entire diary entry for a particular debt into a new post, and include any updates, so that others could see the entire history without having to search the thread.)

[Still Waving]

I am pretty sure that I sent a CCA to LLoyds originally but I would double check this.
Thank you again as always

According to your diary in post #8, you say "CCA requested 10/12/2017". You don't specify who you sent it to. It could have been either Lloyds or Westcot. Can you tell from your own records?

EDIT: I've just seen your latest post. So you have written copies of your CCA request? They have not complied, so that is currently a point in your favour. Keep silent regarding the CCA request for the time being.

[Bluemonday3]

Thank you so much for your swift reply. I have looked back and I asked Lloyds & other DCA's that this was passed on to for the CCA but got nothing back!
I have blocked the number and will continue to do so as I know they will use different numbers. Thanks again

[Still Waving]

I would ignore Link for the time being. Certainly do not engage with them by phone, text or email. If you can block their phone number, do so. If you do happen to pick up a phone call, just refuse to speak to them, or you could be inadvertently admitting the debt. When they write (by snailmail) let us know what they say and we can suggest how to deal with it.

[Bluemonday3]

Thank you all for your kind words.. I am trying to maintain my health and will prioritise this, however all this stuff is going round my head mainly from Birmingham Midshires as the information National Debtline provide makes me think I have a bigger complaint against them. I am trying to pick my fights carefully at the moment as I do not have energy, time or mental capacity and I am desperate not to cock it up and lose an opportunity to get their incompetency put right.

Regards to Link (I really could have done without this one right now!)
They sent a letter along with one from Lloyds to say that they had been assigned to my account and that Lloyds no longer have any interest in my account. Am I right to just ignore them.. they have stepped up since sending this dated 14/12/21 ( I will update my diary appropriately shortly) by calling, sending text messages and emails.
I am pretty sure that I sent a CCA to LLoyds originally but I would double check this.
Thank you again as always

[Pat]

Did you ever send a cya request for this account? Sorry there are too many pages to read back.

If you did , was the response compliant.

If no, at the moment if it were me I would not send anything as they are in default.

If you are struggling with your health, please talk to your GP or someone at the surgery, I am thinking about you and nothing else. To coin a phrase- been there, done that and got the T shirt so I know what I am talking about.

[Still Waving]

Hi

First of all, it's very unlikely that Link are chasing you for the reason you suppose. Second, the AAD template for making a CCA74 request is worded so as not to be construed as acknowledging a debt. When you have given us an idea of the content of Link's letter, the forum will be better able to suggest how to deal with it. Above all, don't let this worry you or affect your health.

[Roger]

I am still pursuing Birmingham Midshires as a further conversation with National debtline has advised me to do so, but I am trying to seek legal advice to be sure.
I now have Link financial chasing me as they have taken over the Lloyds debt ( I will update the diary properly over the weekend) Do I ignore Link Financial or send them a CCA. It is approx 4 years now since I made any payments and I am being paranoid that as BM are part of the Lloyds group they are pursuing me because of my beef with them ! I am a tad confused these days as my health is having a wobble and I am under a lot of personal pressure that I am afraid I do not retain very much information at the moment due to overload so I don't want to mess this up. If I send Link a CCA is this classed as contact ? I don't know what to do for the best. Any advice as always is very much appreciated.

The first consideration is your Health!
You should seek medical advice!

Just make a note of these letters and the date you recieved them!
The thinking now is actually to not make a request for CCA (plus £1) tactics come into the picture!
Refer the letters back on here with AAD

In the meantime look after your Health!

[Bluemonday3]

I am still pursuing Birmingham Midshires as a further conversation with National debtline has advised me to do so, but I am trying to seek legal advice to be sure.
I now have Link financial chasing me as they have taken over the Lloyds debt ( I will update the diary properly over the weekend) Do I ignore Link Financial or send them a CCA. It is approx 4 years now since I made any payments and I am being paranoid that as BM are part of the Lloyds group they are pursuing me because of my beef with them ! I am a tad confused these days as my health is having a wobble and I am under a lot of personal pressure that I am afraid I do not retain very much information at the moment due to overload so I don't want to mess this up. If I send Link a CCA is this classed as contact ? I don't know what to do for the best. Any advice as always is very much appreciated.

[Bluemonday3]

Thank you for your replies. A further update on the complaint as the letter saying that they had upheld my complaint arrived today. I have been back in touch with National debtline and they are urging me to seek legal advice re the whole CCJ & charging order etc, hence the SAR. I will try for a verbal request and if no joy will complain as advised. My credit file has been amended, though the damage is done. A credit account I have (I do not use but it's the principal for me) was halved by the damage to my credit file. They have just paid £100 into my bank without me accepting this as the complaint satisfied, which again has annoyed me as I feel like as money is tight I happy to accept £100 as compensation for their cock up ( I think, they think I am cheap & I will go away!!!)

[Still Waving]

Time to get back to normal postings this is not a debating site

Line drawn. Thank you.

[The Tech Clerk]

Time to get back to normal postings this is not a debating site

[Still Waving]

without wanting to sidetrack the discussion, I have rarely heard such a load of rot. You clearly don’t know any teachers do you.

No offence intended. I don't know any teachers, but if I did I would be asking what the heck are kids being taught these days. But let's not hijack this thread.

[Pat]

Teachers and doctors are virtually on strike, and ministers of religion (their leaders, at least) seem to have embraced the dark side. And who trusts bankers any more?

without wanting to sidetrack the discussion, I have rarely heard such a load of rot. You clearly don’t know any teachers do you.