@asklloydsbank lloyds & Reconstituted copy of OH's Credit Card CCA

[roaringgirl]

Ok - just been on credit file - Lloyds loan is a default; Moorgate (Britannica) is also a default - they have twice not complied with a cca request despite cashing in cheques; and finally the Lloyds card - not defaulted at all and showing as 3 months late.

 

Everything else either defaulted or satisfied will come off this summer.

 

Will the Lloyds card come off too???

[roaringgirl]

Ok, so Moorcroft are a DCA - how do I come back to them letting them know they are toothless?

 

Can I cca them?!!!

[roaringgirl]

Yes - on the CRA Lloyds are the owners of the debt.

 

So - I have offered them a reduced F&F - what now?

[dx100uk]

hope they reject it

 

your old man prob actually owes nowt.

 

dx

[dx100uk]

i am toying with the idea of asking brig to write a letter

and get this off his cra file

 

you are the first person i have know

that

when on aDMP the file is not marked in some manner

 

this should have fallen off the CRA file 3yrs ago.

 

dx

[dx100uk]

Ok, so Moorcroft are a DCA - how do I come back to them letting them know they are toothless?

 

Can I cca them?!!!

 

no stop playing letter tennis with people you dont need to

 

dx

[roaringgirl]

but I sar'd Lloyds - I got a signed agreement and I went back through every single payment and the outstanding amount is £3 less than they say. I have been offering them money since bloody July and they have refused every single attempt on our part. I am tempted to caa Moorcroft just to make them go back to Lloyds. Just cos I can.

[roaringgirl]

Oh no!!! Just read your last post -

[roaringgirl]

sit tight then -

[roaringgirl]

MDR have been ringing - everytime they say who they are I simply tell them to write to my husband.

[roaringgirl]

MDR have persisted in calling us

- so I asked the young man on the end of the phone to record our conversation ( he was ever so flustered)

- and then I read him the following, ending with the words

 

- "You have been told. Communicate in writing only. Goodbye."

Last night was MDR phpne-call free Let's hope they now do as I ask.

 

I have verbally requested that these stop, but I am still receiving calls and I now require all further communication from your company to be made in writing only.

It is my legal right to communicate in writing under Article 8 of the European Convention on Human Rights and prevents any misunderstanding.

 

I am also of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970,

and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM,

Trading Standards and The Office of Fair Trading, meaning that you may be liable to a substantial fine and/or other sanctions as they see fit.

 

Be advised that any further telephone calls from your company may be recorded and used in evidence and I expect this harassment to cease immediately.

[roaringgirl]

1) letter received today demanding payment in full or repayment scedule

2) I have made them an offer - no acnkowledgement of ast letter at all, despite being sent by recorded delivery

3) What's my next step?

[roaringgirl]

Oh - and letter says in certain circumstances they may be able to offer us a 'substantial discount' - WTF?????

[BRIGADIER2JCS]

Thank them for their kind off, but you have already made one which is all you can reasonably afford take it or leave it!¬!!

[roaringgirl]

Blimey - feels like its never going to ...... ok, will do

[roaringgirl]

bit of a result on Lloyds card - we owe 895 - they are prepared to accept 762 - this is 85% - do I accept?

[roaringgirl]

15% is hardly substantial!

[roaringgirl]

We offered 25% to begin with - shall i go back and offer 30% now?

[roaringgirl]

That means we began with an offer of £223 and will now increase it to 267.

 

Anyone else experience negotiation like this?

[dx100uk]

to offer a discount on a debt

 

there is something wrong

 

pers i'd not respond

 

dx

[roaringgirl]

Ok - despite several letters bouncing back and forth - Moorcroft who have been dealing with the debt have now passed it on to Midas Credit Services - why ahve they done this?

[roaringgirl]

I have sent this to Lloyds -opinons anyone?

 

Dear Blah

 

I am writing with reference to the above account which has been passed to first Moorcroft and now Midas Credit Services.

 

I am enclosing copies of the last three letters sent to them with regard to this debt.

 

As you can see, I have made an offer for a partial settlement. This is a very old debt which I would like to clear up. As I have no other means of paying, I am sure that you can see that this is in the best interests of Lloyds TSB Bank Plc to help settle the debt, even if this means a partial settlement. I am also sure that you can see that this partial settlement outweighs the amount it is costing your company to pursue this through several debt collection agencies.

I look forward to your co-operation in this matter.

[BRIGADIER2JCS]

They think bringing in a new name frightens you into making contact.

[roaringgirl]

So.. what do i do??!!!! Contact them? Ignore them? Write to Lloyds only?? Eek!

[roaringgirl]

And i have been in regular contact!