Im so sorry this wasnt the outcome we hoped for but you saw it through to the end despite all the hiccups on the way and you should congratulate yourself for that! I agree on the getting information double checked. Good luck with getting the money you are owed! x

That's what I thought! Seems like a certain bank dont train their staff properly eh! tut tut

I have been told by someone that works for Lloyds that if they find out where you are they tend to chase you forever as bank accounts dont become SB and they use companies such as Lowell to find you because they drive you mad (they arent wrong)......Is this correct? I wont say the position of the person but you would think they would know as its the main part of their job!

Thanks Brig

I would just use your address, their reference numbers and account numbers and sign off with a squiggle. Don't use any name as the letter does the job.

Thank you, will get that printed today

To the Oc.

 

However, if you send statute barred letter, they have to prove it isn't and it only costs recorded postage whereas sar is 10 quid.

Too true....off to the library I go......now do I send it in my maiden name, that they are chasing, or in my married name which they obviously know due to finding my phone number from somewhere! Id still like to know how they have that!

Do a subject access request for payment history. For sb accounts, if you declare it as such, the onus is on them to prove it's not.

I would do this to them or the original debtor (SAR)?

Depends what you want to achieve. Either way they have no leg to stand on.

Id just like them to disappear and stop ringing, texting and harrassing me constantly and sending me 4 letters a week, soon ill be able to wallpaper my living room! Am I right in thinking that if its not shown on credit history its over 6yrs old and therefore SB? I just dont want to drop myself in it if I have made a payment that I dont remember!

Thanks both, they dont know they have found me as yet so is it worth sending the stop harrassing me letter first and then the SB or just go straight in with the SB, also although im pretty much adament ive paid nothing for at least 6/7yrs is there a way I can check this without admitting liability? Thank you

No apologies needed badaboom :)little update from me, sent the prove it letter at the end of september.....had nothing directly in response to it. Have today received a letter with the credit agreement reference number and date of credit agreement date for each of the accounts. One being 1999, one being 2002. They are still constantly calling my mobile and have now started with the house phone too (which is in hubbys name) and still chasing my maiden name......Think a letter telling them writing only is next because they are disturbing me in work and despite asking to be removed from the list and being assured i would be, it hasnt happened, 4 seperate employees later!!!!there is no way I have made a payment in the last 6yrs probably even longer than that....where do I go from here, the constant harrassment is really doing my head in!

OMG Was only talking about you and this today with Jo lol is all I have to say xxx

Thank you Silverfox

That's what I was thinking...Ive 'hopefully' stopped the mobile calls now, how on earth they got hold of that I wouldnt want to know....or would I?! Its not even in the name they are chasing! Where will I find the 'prove it' template? Its been a while since I've been on here Thanks for your help

Forgot to mention in original post....much to my shock, I have received a notice of assignment!

Thank you wasnt sure if it was better here or in WFS forum, my old home lol

Have communication from Clarity regarding WFS Loan, just wondering if anyone have had any dealings with them?

I have had 2 letters a wk, both with different reference numbers on from Lowell for the last 4 weeks, making a nice little pile now! They are apparently working on behalf of Lloyds TSB, apparently I owe over £500 on one account and just under £200 on the other.....now.....I have only ever had one Lloyds TSB account and that was in my pre uni years (10 years ago) the account I know I had, I was young and silly and went overdrawn with and ended up ripping up cheque book, snapping card and handing them back to the branch manager with my mother in tow, now my memory isnt the best but this was around Jan 2003.....There are NO LLoyds accounts showing on my credit reports with equifax or experian....are they just trying to pull the wool? I dont understand why they are chasing two seperate amounts when I only ever had one account anyway and Im 99.9% sure I cleared this account! They have apparently found my mobile number from somewhere, no idea how when they are chasing my maiden name as well? Any advice greatly appreciated!

SAR LTSB and put the account in dispute with Moorcr@p. stating that you are challenging charges etc. with the OC

Thank you babybear I did wonder if that was the way to go but not having dealt with a bank before I wasnt sure if it was the same routine Ill get onto that asap. Thanks again

Cut a long story short Hubby had a select account with Lloyds either £50/£100 overdraft not sure which, he went slightly over the limit maybe £20 due to unforeseen circumstances and of course got whacked with alot of charges at that point we werent in a very good financial position and buried our heads in the sand. This has to be at least 3/4 years ago (longer since it happened but I assume some contact was had 3/4 yrs ago as they have our new address) not heard alot in between maybe a letter every 6 months but unfortunately we continued to ignore and the debt now stands at £845 (I think) all made up of charges and account charge bar the overdraft and the slight unauthorised overdraft. The last week or two we have been inundated with letters and phone calls from Moorcroft Debt Recovery (MDR) up to 4 calls a day. We have now received a 'its your final warning before we instigate court proceedings' letter (have had all the previous threatograms but not had one of these before) has anyone got any advice on how to proceed with this? Thanks in advance

i wouldnt trust many people on ere......

 

full of the brown stuff im afraid!!!, oh and yes im still around ha,ha!!............

couldnt have put it better myself lololol

Well Beyond its time to bring the Old Guns back, cue A Team music ! lol

ive not spoken with one in particular for a long time he did start his own business though so is no doubt tied up with that im up to my neck in 3 kids, uni, starting my own business, no welcome paperwork though because im a good girl and submit on time unlike THEM! im done until 5 days before hearing when i need to do court bundle I do pop on and off but to be honest im so thoroughly p-d off with the amount of trolls around here its hard work! xx wannabedebtfreesoon is still around but again she has her hands full too seens as her case has been taken out of compliance depts hands and given to an external legal team hahahaha xx

Hey Beyond!!! Hark at you with the 3 green Dots lol xx

Ive had 3 for ages hun lol Not been about so much recently, feeling its gona abit to the dogs and many members that had helpful input appear to have gone underground! just updated my own thread too xx

I have been waiting with baited breath for your input beyond! Great to hear from you me olde M8!!!

 

Cheers Mark xxx

Dont hold it too long hun you may go blue haha I think your letter is fine perfectly clear and explains clearly your position cant blame them for trying eh! Hope you and Mrs 1arby are well xxx

witness evidence now officially one week late! tut tut

posting to receive notifications will have a read properly in a bit when im not head neck and shoulders deep in uni work nice to see a few 'old' faces