don,t keep the guests waiting lol

Hi all can i bump up

hi all update dear mrs xxx we write to inform you that lloyds tsb banking plc(the bank) has now assigned to hillesden securites ltd trading as direct legal &collections (dlc) the out standing balance under the above reference credit card account,effective xxxxxx under the terms of this assignment and as defined in the data protection act 1998, hillesden securities ltd trading is now the data controller of your personal data contained in the records of this account through the bank has transferred the outstanding balance on your account to hillesden securities ltd.you can still contact the bank in relation to any complaints you have about the time when the held your account you have the right to access(on payment of a fee) and, were it is inaccurate or in complete, to update your personal data, should you wish to access your personal dadta and unless and until you are notified of an alternative contact for such requests please write to the data subject access requests, lloyds banking group dlc has been appointed by hillesden securities ltd to manage your account all contact regarding your account should now be directed to dlc you should contact us immediate to arrange payment on your account your sincerly team leader. in the same envelope this one aswell from lloyds here goes Dear mrs xxxx refrence credit card xxxxx dlc ref xxxx we are writing to notify you that lloyds tsb banking plc has assigned all of its respective rights, title and interest in respect of the above account refrenced account including the outstanding balance to hillesden securities ltd effective xxx the total balance SOLD was xxxx as at the date of SALE any payments made towards your credit card account after xxxxxx will be forward to hillesden securities ltd and will be deducted from the balance shown above under the terms of this assignment, and as defined in the data protection act 1998, hillesden securities ltd is now the data controller of your personal data contained in the records of this account dlc has been appointed by hillesden securities ltd to manage your account and it is essential that all future payments and correspondence regarding this account be directed to dlc you should contact dlc to organise payment on this account as a matter of urgency your sincerly xxx lloyds tsb bank pl i wonder why this has dissapeared of my credit report,( i had two on there both the same, dates same, ammounts the same, one settled and the orther a default the one thats settled is still on there very confusing? what do you think your help is appriciated thanks

lol thanks

Hi all another letter drops on my door mate todaydo they ever give up here goes Dear mrs xxx WE HAVE REPLIED TO YOUR QUERY we wrote to you recently with the answer to the query you raised on your account we hope this now resolves things for you and you are now in position to discuss repayment of this debt. however you are not satisfied with our response or you have a question regarding it then please call our query resolution team and we will be more than happy to help you. WE CAN HELP YOU WITH AN AFFORDABLE PLAN if you are unable to replay this account back in full then we are more than happy to agree with you a payment plan that you can afford and pay monthly. once we start to receive payments we will also inform the credit reference agencies who will update your credit file accordingly(they havent updated since 2009?) keeping your credit file up to date is very important as creditors could decide whether to give you credit in the future for items such as credit cards, loans, mortgages, if you want to rent a property, or even a mobile phone. A SUITABLE REPAYMENT PLAN FOR YOU we would like to assist you in settling up a payment plan. Below are two plans which we thought may be suitable PAYMENT PLAN 1 pay xxxx per month by direct debit this is approximately xx per day PAYMENT TWO pay xxx per month by direct debit tis is approximately xx per day we do hope on of the above plans work for you, if so call us and we can set up it up over th phone or complete the direct debit mandate and return it to us if you would prefer to pay a diffrent amount the again call us or complete the direct debit mandate with the amount you can afford to pay we do hpe this helps you and look forward to receiving your payment yours sincerly (scribble) customer services what do you think? thanks

thanks

Hi all update from robinsons way dear sir/madam we refer to your account query&coment in veiw of your query, we have today removed your account from our files and returned your case to our client who will if appropriate deal directly with you in the near future our client has been made aware of the reasons why your account is being closed and returned to them yours faithfully collections manager

good luck for to day RDRR

thanks GM

Hi all/CB i have today received correspondence to the letter i sent above which i did twice,he goes Dear madam thank you recent correspondences regarding your outstanding account, the contents of which have been noted this matter has previousley been investigated and you have been informed of the response. we can no longer freeze your account and intened to pursue the balance with immediate effect.As such we cannot hold any phone calls or letters with regard to this account and ultimately this account COULD be passed to our litigation team WHO could consider appropriate legal action you are required to contact our company immediately to arrange repayment we have a number of repayment options available and would be happy to tailor a repayment plan to your current financial circumstances we thank you for your time and understanding with regard to this matter and look forward to hearing from you at the nearest opportunity yours sincerley customer services

Thanks CB

Hi all update a load of print out statements have been sent to me dont make sense:| lowell have said in there letter they are intitled to receive a payment in the next 7days all they going to instruct there solicitors to issue legal proceedings against me with out further notice they are saying cap1 nor themselves are aware of any reason for non-payment

Hi subbing with interest

Well i have received a formal demand now from robboway HBOS have authorised them( it was not long ago they authorised moorcroft) to recover the full amount i owe shown above THIS IS A FORMAL NOTICE OF INTENDED COURT ACTION, we MAY take action unless i pay the full amount i owe within 10days of the date of this letter if court action is taken and a court considers your faliure to pay to be due to your refusal or neglect to pay, an order for repayment may be made, if you fail to pay in accordance with a court payment order the following MAY occur A process of enforcement by court officers A order for deductions from my earnings A unpaid court order MAY make credit difficult to obtain this problem account will not go away or be fogotten it makes sese to pay now PAYMENT MUST BE NOW MADE TO ROBINSON WAY NOT HBOS COLLECTION MANAGER that would be scary for some one who did not now there wrights what do you think folks:roll:

I was right i have received a nice letter FORMAL DEMAND FOR PAYMENTor go to court

Hi mr W i received a call off these people the orther night i told them in writing im sure i will be getting something in the post soon lol:smile: there is a lot off guests:roll:

Hi all it looks like this has been passed to robboway now just received a call i said every thing in writing he said shall we remove your number, any body any dealings with them:-)

thanks CB:-)

Hi CB:-) this account has been dispute with cap on since 2008 lowell have said the own this account now i have asked for all relevant paper work copy cca ect

Hi all another letter arrives today this time from reds he goes Dear xxxx Recovering what you owe Lowell Financial Ltd passed your account details to us so we can collect the money you owe on their behalf YOU MUST PAY US XXXX We are specialists in assessing account for litigation. So we will be obtaining a copy of your credit file in order to reveiw your financial circumstances and the information within it will help us determine the best way to recover what you owe. you can avoid this call us on pay in full or to arrange a suitable plan If you donot repay what you owe you could risk legal action being taken We may decide to apply the county court for a judgment against you(this is nown as a ccj). If we are successful in obtaining a ccj and you still do not reply, depending on the amount you owe and your circumstances.We could then apply to secure the debt against your property, or to deduct amounts directly from your earnings. We May ask a court baliff to remove goods fro your house to the value of the debt. Alternatively, instead of appling for a ccj We could (if your accounts meets the certain criteria) serve a statutory demand upon you and where you do not then repay petition for your bankruptcy. If you were to be made bankrupt you could lose rights or benefits in relation to the property you own. We would obviously prefer to avoid such action and settle this amicably please call xxx if you are able to pay the full balance, we will arrange a payment plan that you can afford yours sincerly xxxxx collections manager that would be scarry if you did not now your rights

Hi andy not bad thanks just a terrible cold and cough how are you:-) i will have to wait and see what do you think?

another letter today dear xxxx despite the fact we have offered you numerous opportunities to resolve the debt it remains outstanding. unless we receive a payment in full or a partpayment with proposed payment plan with in 5 days we have no alternative but to instruct our solicitors to look to begin legal action against you.this could result in us applying for the value of the debt to be secured on my property or applying to recover the money you owe by making deductions directley from your earnings along with court costs and interest, alternatively we may arrange for an agent to visit your adress to negotiate settlement you can still avoid further action being taken by contacting our collection department now, your sincerely andrew bartle cheif operations officer

Hi all any advice please

bumping up:|