Lloyds haven't given an explanation, but I will do what you suggest and see what they say. When I asked if this was legal, what I meant was: Is it legal for them to put all the accounts into a different single account with a brand, spanking new account number, then split them all back up to sell them off? As opposed to just selling them off? (Does that make sense?) Thanks for your help...

Please help!!

Any ideas anyone?

Well................ After CCa 'ing' Lloyds, obviously, we didn't hear anything back from them....... till now! They have now put the three amounts into seperate account's, and sold them to another dc (Arrow Global Ltd......ever heard of these?) How legal is this? Should we now cca this company for the three 'debts' or, write a letter saying 'not on your nellie' type of thing? Or write a letter telling them it's obviously not legal what Lloyds have done, so send it back to Lloyds? Any suggestions greatly appreciated from anyone!.....

Thanks dibs the frenchie, will be emailing tomorrow. Will keep you all informed with what they say!....

Thanks for all your advice. First thing tomorrow I'm going to phone comunity legal service direct and see what they say -thanks Revenant, Then depending on what they say, may have to follow hefty hippo and godmothers advice. Thanks everyone. will keep you all informed...

Hi, I've contacted the court now, and they have just said that I need to to seek legal advice. Which isn't all that helpful, as (don't know if I'm just being awkward here but...) I don't see that I should be the one to inform HC how much there is left to pay!? Obviously they should be keeping tabs on it. At a bit of a lost end now.........

has anyone else got any views/advice?

Hi, Yes, they were paid every month without fail into their bank account and he has ALL of the receipts. But, no, there are no payments for the first 2years mentioned on the statements. The statement just starts from October 2008 with the same amount that it began with from court totally missing out the 24 first payments..

I kinda don't mind about not getting the credit (although it would be goos to know why, but what bothers me is Sainsburys giving out my private details for someone elses debt?....

Just wondered if anyone else had any advice......

Is there any thing I can do about Sainsburys giving it to them in the first place?

No, it's not my account, they keep asking to for my partner to phone them back on the message.... My credit file is clear, cept for their search, i'm not at all linked to my partner on it....

No, They have totally missed out the first two years worth of payments. Last year was the first year we received a statement cos' of the new rules now.....

Hi there, another one for you...... I, myself have an excellent credit rating(!). But...... Before Christmas, I applied for credit with Sainsburys, and was unexpectedly turned down.:? Now, unbeknown to me, R.Way have been pursuing my partner for a debt that they cannot legally pursue as they do not have a cca he's already been down that route....(we do not share any monetry credits/mortgages or debts..) Since I applied for the credit, my credit score has gone down, I have had a visit from a company called scott call, and daily on my ansaphone (this is my phone number) is a message for my partner to phone Robinson way. Now, two things here.. 1st, Obviously it was Sainsburys that passed on my information to R.Way & scott call, as I'm ex directory and have not given my details out to any one else, are they allowed to do this? is it legal? 2nd, Is there anyway I can get their credit check off my file, as they obviously turned me down based on someone elses credit rating whom I have no financial connection with whatsoever.. Any advice would be greatly appreciated thanks..

Hi there.. I've got two ccjs with howard cohen that i've had for three years. I've paid it every month as ordered. Last year I got a statement from them which missed out my first two years of payments. They had it starting in October 2008, when in fact it started in October 2006. Does anyone know what the law is in this area? If they aren't doing things correctly, are they still allowed to pursue the ccj? Basically, is there now a way I can get out of the ccj's as they haven't taken 2 years of payments into account?

Thanks for that, I don't think I can do anything about the ccj's this late in the day, but i was just trying to find out if this so called new regulation basically meant that if they get this wrong is the amount null & void? Are they legally obliged to get this statement correct?

Would still like some advice on this if anyone can help. We know that we are now supposed to be sent these statements by law, but is it like the cca problem, where if they don't have the right information, we dont owe the money? (by the way, they didin't have the cca' s when we got these ccj's, but we didn't know about all that back then!) Any advice anyone?

Hi can anyone tell me? We have two old ccj's which we pay £1.00 per month each. We do this regularly and have done so for the past two years. However, this year we have received a statement from the debt collectors which states on the back of the statement "This information is provided in compliance with the new regulations under the cca 1974 which came into force on Oct 1st 2008 blah blah blah" The problem is, not only do the statement amounts begin Oct 1st 2008.(and not 2006 when the ccjs were done) but the amount owing on that date is the amount that the original debt (that went through court) was for and does not take into account the previous two years worth of payments. Other than obviously not taking our first two years payments into account, are these people (CL Finance) doing anything else wrong by not sending statements with the correct amounts on. They have sent them seperately, on different days for both accounts, so it is obviously done deliberately. Any advice anyone?

Hello citizenb, Have you sent your letters by recorded delivery, and have they been received/signed for at the other end?

Thanks for your help and advice. I'll write them with an offer and see what they say.... I'll keep you posted......... Many thanks....

Thankyou very much all of you. This has cheered me up no end:grin: I'm going to CCA the 'new' account number and see what they say.. I'll keep you all posted

My whole overdraft debt is charges and interest.....

Hello, Cutting a long story short..... I owe Scottish Power some money for a bill at an old address. I can't afford to pay it. Does anyone know if theres anything I can do before they hand it over to a DCA and start getting nasty?

Lloyds have put all the debts together (2 loans and an overdraft) under one NEW account number. Should I cca them for this new account number (which they obviously haven't got a cca for) or refer back to old papers for the other numbers. They haven't told us what this new account number is for... they just wrote and said I owe that amount under that account number.. which is the whole lot together.