Mrs Stig and I did that, now we have two children so we should have just paid the TV Licence, would have been better off financially and less grief

No need to remind them, Idem know the law and are hoping that you do not. Cancel the Standing Order now & stop paying until a CCA shows up, if a CCA ever does surface remove all of the personal identifiers and attach to your post to check if it is compliant. Stigman

Even though the debt has been sold on, you continue to pay the amount that you have agreed previously, if this is too much then you drop it to a level that are comfortable with (if this is £1pcm, then so be it). As DX says in post #3, you need to reclaim all charges, fees and any ppi, do not approach any Company to do this for you, you can do it yourself for free, any questions on how to do this if you get stuck just ask. Stigman

It has happened before but only after a thorough investigation and it has been proved that the money came from an illegal act. As the letter to you states, Lloyds are asking for evidence of where you obtained your money from, this is to satisfy UK law as Lloyds are duty bound to check that no financial fraud is or has taken place. I cannot see this moving forwards in the short term unless you either supply Lloyds with the information that they have asked for (I know you stated that you are unable to do so and also not wanting to send your Insurance Statement) or the bank rejects your complaint and you then go to the Ombudsman. Stigman

After having a read of your letter, Lloyds are giving you three choices, submit evidence of where the money was obtained to close the investigation immediately, await for the investigation to be completed with no completion date or ask for a deadlock letter and refer to the regulator. If you take this complaint to the ombudsman, I have checked the Isle of Man Financial Ombusdman website and it does state that complaints can take up to six months to investigate and complete so do not expect a quick resolution to this. No reason why this is taking Lloyds this long, they have all of the data instantly available, because Lloyds have not giving you any date to the outcome of your complaint I would be inclined to ask Lloyds for a deadlock letter and refer to the ombudsman. Stigman

Sorry for the delay in getting back to you. You said you made a complaint in writing, if they reject your complaint then take it to the ombudsman. Your complaint letter should be short, precise & cover the points raised above. You will then receive a letter from Lloyds saying we are sorry you complained etc. and then will set out the rules in which they are governed, how the complaint process works and which regulator to complain to if they either reject your complaint or fail to respond within 8 calender weeks. Once the above is done, take it to the regulators, stop talking to them on the telephone because if it is a complaint, the phone monkey will not help or advise you and will not log it as a complaint so everything has to be done in writing. Stigman

Any update on your complaint? Stigman

Hi Gavmoulds, If the above debts were before your bankruptcy then contact the data control officer at the each creditor, you can find out the address by putting in the Companies name here... https://ico.org.uk/esdwebpages/search Send each creditor a letter along the lines of... Dear Sir/Madam, Re: Account Number: xxxxxxxx After consultation with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update my Credit Files in accordance with the Data Protection Act. I was declared bankrupt on xx/xx/xxxx and subsequently discharged on xx/xx/xxxx, and insert company was included within the Bankruptcy. For your convenience I have attached both my Bankruptcy Order and Discharge Notification. Currently the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect, as yet your Company has failed to correct the entries as required. • It is requested that if you intend to default the account, the default entry must be either the original entry date that your Company listed on the Credit Reference Agency or no later than YOUR BANKRUPTCY DATE (whichever is sooner), in accordance with the Data Protection Act. • It is requested that you mark the account as to indicate satisfied, in accordance with the Data Protection Act. The Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference Files correctly (of all three Credit Reference Agencies) or notify me in writing the reasons that you refuse to. After the 28 calender days have elapsed the Information Commissioner has requested that I inform them if your Company fails to update the records so that they may take any necessary enforcement action against your Company. ********************************************* I would also enclose a copy of the guidance issued by the Information Commissioners Office..... Relevant Extracts from Bankruptcy - A Guide for the Public – 2010 issued by the I.C.O. I’ve noticed that an account that was included in my Bankruptcy is marked in default later than my Bankruptcy. Can I do anything to change it? Sometimes a lender will not know the exact date you were made Bankrupt. This may mean that when the lender registers a default with the Credit Reference Agencies, the date on the default is later than the date on your Bankruptcy order. If a particular debt is included in the Bankruptcy, you can write to the lender to ask them to change the date of the default to the date on your Bankruptcy Order. Remember to send the lender a copy of your Bankruptcy Order or other documentation which confirms the date you were declared Bankrupt. If the lender refuses to change the date of the default then we may be able to help. You will need to send us: •A copy of the Bankruptcy Order of document that confirms the date you were made Bankrupt; and •A copy of the lender’s letter which says it won’t change the date of the default. What happens to defaulted accounts on my Credit Reference File? After you have been discharged from your Bankruptcy you can send proof of your discharge to all the lenders whose debts were included in your Bankruptcy. Those lenders should then mark the entry on your Credit Reference File to show that you no longer owe money on that account (perhaps by marking the entry as ‘Satisfied’ or ‘Settled’). Once the lender has changed the information on the entry, if you make any new credit applications the prospective lender will be able to see that you do not owe any more money on that account. You can ask the Credit Reference Agency to add a statement called a ‘Notice of Correction’ to the default entry. In your statement, you can explain that the entry was included in your Bankruptcy which is now discharged. More information about ‘Notices of Correction’ can be found in Credit Explained. If the lender refuses to change the date of the default or mark it as ‘Satisfied’ or ‘Settled’ or to indicate in another way that you have fulfilled your obligations to that lender then you can write to us at: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF. *********************** Enclose copies of both your Bankruptcy & Discharge Certificates, send via recorded delivery because if you need to make a complaint to the ICO, the ICO can clearly see that you have sent the request, that the request has been received and has either been ignored or failed to act on. Stigman

Please keep us all informed of your outcome, but before Court action I would take it to the regulator and also always seek professional advise before issuing Court action against such a large organisation. Stigman

Are Lowells aware of a previous CCA request? If they are, are Lowells just sending the threatograms in the hope the op would crack or are they going through the normal procedures leading to a claim? If the op could tell us where they obtained the Capital letter from, was the original CCA request made directly to Capital or via a DCA (and if so which one)? Stigman

Just send Lowell a CCA request, the £1 Postal Order is money well spent for peace of mind & to see you over the statute barred line. Stigman

Looking into it is clearly not good enough, you need dates of closure, as the Manager has failed you I would now escalate this to a full written complaint. Stigman

You cannot go to the regulator until Lloyds have either rejected your complaint or have not responded in to your complaint for eight calender weeks. If LLoyds acknowledge and reject your complaint the letter that Lloyds sends you will also have details of which regulator they use. If no response then one of these will regulate Lloyds... Channel Islands Financial Ombudsman PO Box 114 Jersey Channel Islands JE4 9QG The Financial Ombudsman Service Exchange Tower London E14 9SR Keep everything in writing for complaints because you can then send copies of all correspondence to the regulator. Stigman

Do not phone, keep everything in writing, that way you have a full papertrail of events. If Lloyds reject your complaint, you can then go to the regulator for adjudication. Stigman

Hi & Welcome to CAG, I used to live in the Isle of Man. The Lloyds branch in the Isle of Man is just a puppet branch, if you continue to ring, your complaint will only fall on deaf ears, you need to direct your complaint in writing to the offshore head office in Jersey. Lloyds Bank International Limited, P.O. Box 160, 25 New Street, St. Helier, Jersey, JE4 8RG Stigman

For future reference never contact a DCA by telephone, the phone monkey that you speak to is on minimum wage is collection enhancements to top up their wages so will only lie, bully and harass you into trying to extract a payment. They will also say things on the telephone that they will never commit to in writing. Always keep a paper trail. Stigman

Hi & Welcome to CAG, First of all call your Credit Card issuer and get these charges reversed, tell your card issuer that the money was taken without your knowledge or consent Others who are familiar with Fedex will be along later to advise on the T&C's. Stigman

Keep all of your correspondence including the information of the banked £1 for the CCA request. As above ignore all future letters until they come back with anything resembling a CCA request, when/if they do, remove anything that can personally identify you and post up. Stigman

You need to complain to Lloyds immediately. In the letter you need to state that the account was sold to Cabot and that there is no right to offset. Here is a post similar to yours... http://www.consumeractiongroup.co.uk/forum/showthread.php?440152-Shop-Direct-Want-To-Offset-PPI-to-DCA-help-**WON-paid-Direct-to-me** Stigman

Hi & welcome to CAG, Can you please add more information with history about the debt, who it is currently with (OC or DCA) and who are the Solicitors. Never call any DCA or Solicitors, keep everything in writing, you need a paper trail, DCA's etc. will just lie and intimidate you on the telephone, that is their preferred method of contact for this very reason. Stigman

Hi, Could be any number of reasons why they are trying to call you, mainly to try and extract as much money out of you as possible.If your phone has the facility to block the number do so, otherwise a no call telephone letter is available to send in the Library section. Never talk to any DCA on the telephone, if you do pick up one day with clarity or any DCA just hang up, refuse to go through any DPA whatsoever. If Clarity does not come back either in time or without a full CCA, then you can legally stop payments. Have you got all of your old statements or sent an SAR to Citi for all statements to claim back charges and any PPI if selected? By the wording of your post, I am assuming that Clarity automatically take £1 pcm out of your account, I would also consider cancelling your debit card and applying for a new one, DCA's have in the past cleaned out bank accounts, only ever pay via a standing order, that way you are in complete control. Stigman

But to place your mind at rest, send 1st Credit a CCA request, as the first DCA failed to obtain a copy, the same will happen to !st Credit as they will try to obtain from the OC as well. Stigman

You pay who is listed on the CCJ Judgement and you pay the instalment amount that is also listed on your judgement. Unless you receive paperwork from the Courts notifying you of a variation in the payee, then continue to pay as you have always done. Write a letter to Cabot informing that unless you receive a payee variation order from the Court then you will continue paying Shoesmiths. Stigman

Hello Mr. Worried, Has or did your friend... Received a ticket on the windscreen or sent through the post (Notice to Keeper - A.K.A. NTK)? Park incorrectly? Overstay? How long ago? What Store? England/Wales or Scotland? Returned to take any photographs? Stigman

CCA request is here... http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015** Enclose £1 postal order, when you hear anything back, scan in, convert to .PDF, remove anything that can personally identify you (i.e. barcodes, reference numbers and of course your name/address) & post up for others to view and comment on. Stigman