UE Diary of Susieblings Daughter

[Susiebling365]

Hello, Hope you are all staying safe and well,

This is just an update on our Intrum episode with the Lloyds Credit card.

They had started getting all official with a solicitors letter etc threatening court action which we were on pins waiting for. the action. On 15th this month they did write to say in the current covid situation the account has been frozen and put on hold with regards to further action. Suppose they just want to reassure us that we are not forgotten. Anyway that's nice to know for the short term I suppose.

Meanwhile today, my daughter has received a stack of paperwork regarding the debt with Lloyd (SAR), I m not too sure what to do with it all,
but, I am going to help her look for an original agreement when circumstances allow.

Stay safe

SB

[Susiebling365]

Yes received it thank you, not sure which was the best route lol.. You re not kidding re daughters, mine run back to me for advice and help as old as they are, I feel like Mother Hubbard at times . But I do worry as well, my eldest is doing so well now, just got get over this remnant of past life. Meanwhile.....lol

[Joanna Connolly Solicitors]

they have sent a pre action letter from the solicitors , we have 30 days to do something. I m just wondering what to do next, We are waiting for SAR and it is unenforceable, so there must be a letter I can send them? in dispute or something. ?

Hello

I've received your PM and email, and have replied.

As you say you have 30 days (almost a month) to do "something". Sometimes doing nothing is better than doing the wrong thing in haste.

You're at the research and review stage, so send me the information I have asked for (in my email) and we'll take it from there.

I'm a mother too, so I know how you must be feeling right now!

Di

[Roger]

This was a letter, but they have sent a pre action letter from the solicitors , we have 30 days to do something. I m just wondering what to do next, We are waiting for SAR and it is unenforceable, so there must be a letter I can send them? in dispute or something. ?

I want to do it right as its not my debt , my daughters, and this one is worrying her now .

Contact @Di

[Susiebling365]

This was a letter, but they have sent a pre action letter from the solicitors , we have 30 days to do something. I m just wondering what to do next, We are waiting for SAR and it is unenforceable, so there must be a letter I can send them? in dispute or something. ?

I want to do it right as its not my debt , my daughters, and this one is worrying her now .

[Roger]

These people are very persistent , as they have today sent a follow up letter informing her that they have instructed their solicitors to pursue her to court, and unless she wants to avoid a county court judgement to ring their number .

Why hire a Rotweiller and bark yourself?
File this and turn off the phone!

[Susiebling365]

These people are very persistent , as they have today sent a follow up letter informing her that they have instructed their solicitors to pursue her to court, and unless she wants to avoid a county court judgement to ring their number .

[Susiebling365]

oh sorry ...i ll scrub that off and thanks

[nightwatch]

Hi susie.
I have removed the attachment as it was showing the solicitors Ref.

good luck NW x

[Susiebling365]

Hi all
Why do these letters always seem to land at the weekend ?

We have received a solicitors letter from Intrum re the Lloyds card. Niddy deemed this agreement to be and we have recently sent for SAR, but as yet not received anything back.

I have contacted Di as she mentioned previously.

So....

[Susiebling365]

Thank you Di you re all diamonds on here

[Joanna Connolly Solicitors]

It has passed the debt to their legal team and is threatening my daughter with their solicitors. I feel this is just their tactics to put pressure on ? Do we just ignore until we receive said letter ? Which from the comments from Jo seem that they cannot perform. Or reply in some way.

Another threatening letter from Intrum. Although the 'threat' is to simply pass it to solicitors.

Nothing you need to do until you receive a Letter of Claim from Intrum's solicitors, and then post on the forum if/when that happens, and/or email it to me di@joannaconnollysolicitors.co.uk

The credit agreement (for a 1998 Lloyds credit card) which was sent in response to your s77-79 CCA Request in 2017 has been deemed unenforceable, hold that thought

Di

[Susiebling365]

Hi
We have just received today another letter from Intrum. It has passed the debt to their legal team and is threatening my daughter with their solicitors. I feel this is just their tactics to put pressure on ? Do we just ignore until we receive said letter ? Which from the comments from Jo seem that they cannot perform. Or reply in some way.?

Your comments will be appreciated.

We have not had any paperwork from Lloyds as yet regarding the SAR.

SusieB

[Susiebling365]

Thanks Di, It seems that they will just send these menacing letters then, and cannot do much else. so we just continue sitting the time, half way now , I ll pass the news on SB

[Joanna Connolly Solicitors]

Re: UE Diary of Susieblings Daughter


Lloyds Credit card

Type : Credit Card
Started: 1998 ..
Balance; Jan 2017 £3480.66
Payments: Up to date and making the minimum payment
January 26th sent CCA request and waiting for reply
Account with OC Lloyds
January 2017 sent for CCA but received nothing back so in default of CCA request
February 19th Received Reconstituted terms ( had to research this) Sent to Niddy who said it was,
as not signed agreement .

August 17 Default notice received Account balance £3480.66. and arrears £422.32 Filed away

October 11th 2017 Letter from LLoyds saying the account has been handed to a debt collection agency . Westcot Credit Services. Filed away.

October 19th 2017 Letter from Westcott asking to ring and they will be collecting from now. Information on how to pay etc etc. They also rang on mobile which has now been blocked.

November 2nd 2017 Letter from Westcot letting us know they "know where you are " and will continue to text, phone , send letters and generally annoy unless we respond. BE AFRAID!!!...So its getting filed and it seems that they know there is no agreement to fight with...


25 November 2017 " An opportunity to take control of the outstanding balance in a way that suits you." Thank you but we have already done that.
1
7th December 2017 "Confirmation of Residency" and also trading as 2F .....So glad you did that for us but we really don t care 2 Fs

28 th February 2017 Letter informing her of possible further action

7 th November 2017 Westcot send a reduced settlement offer

15th February 2018 transfer letter to Moorcroft

19th February 2018 Letter from Moorcroft wanting to discuss repayment


28th March 2018 Letter from Moorcroft, I don t remember when they came in on the act as it was Westcot. Just to say they are concerned there has been no attempt to come to some agreement to pay. That they will continue to attempt communication by phone and letter. Deadline of 4/4/18 to contact them.

11 th April 2018 Letter from Moorcroft That as there has been no reply to their communications they are referring my daughter to the Home Collections Department. Home visit and when will be the best time? (Don t think so !!) The purpose being to just reconnect and discuss a route forward.

22 June 2018 Letter from Lloyds referring to CSL Credit Security Ltd

22 June 2018 Notice of instruction from CSL

2nd July 2018 CSL letter disappointed no response to their letters

12 July 2018 CSL letter, Limited offer of part payment of the debt. Default will be registered as partially satisfied with a balance of zero


29 December 2018 Long letter from Robinson way informing her that they have entered into a contract with Lloyds to act on their behalf as servicer with relation to their dealings with her... Debt collector i presume

29 December 2018 Letter from Lloyds informing that they have transferred the debt to Robinson Way collection agency

14 January 2019 Letter from RW offering help to repay the debt

13 December 2019 Lloyds letter notice of assignment to Intrum Uk Finance Ltd to take effect 28 November 2019

24 December 2019 Letter from Intrum ..Get in touch in the next 10 days

3 January 2020 Intrum.... we may take legal action if you don t get in touch

13 January 2020 Intrum letter " We are thinking of taking you to court . We don t want to but if you don t get in touch soon we ll pass your account to our legal team. " Given 10 days to respond .
3 February 2020
Intrum letter Final discount offer before we consider court action.Ten days to reply. The offer is ridiculous and in my experience as no reference to affordability. 3 payment of £1044.20 or one payment of £2784.53

14th February 2020 letter from Intrum threatening court action. Query raised on AAD due to tone of the letter.

^ ^ ^ this is the history of the debt which Intrum have written to your daughter about. It's an ex-Lloyds credit card from 1998.

I can see that three years ago Niddy said it was unenforceable following her s77-79 CCA Request.

That position hasn't changed so there's no need for your daughter to get upset by the tone of that latest letter, which I admit does come across a bit menacing.

You've sent a SAR to Lloyds.

That's enough for now

Di