1st Credit, Connaught Collections, Mackenzie Hall and Lloyds TSB

[jimmythefish1]

Please can someone help me get these masters of harassment off my back?

 

I keep getting letters from these guys regarding a Credit Card Debt with Lloyds TSB.

 

I have attached scan copies of the letters that I have received to show the chain of correspondence.

 

I have also a copy from Lloyds TSB by way of a SAR Letter to them of my 'Debt Manager Archive Details' showing that the debt was sold by TSB on the 12/12/2003 to 1st Credit for £2.52!

 

Regarding any payments that I have made to 1st Credit or Connaught, are they legally entitled to them, and if not should I be seeking to get them refunded?

 

What should I do now as I am at my wits end and although not a spotless credit history, I am just starting to make headway on clearing all blemishes on my file, the last I want is a CCJ from these guys appearing for another 6 years.

 

Also, I notice that they have done a Credit Search this month and it is showing on my file without my authority.

 

Please, please, please help.

 

Many thanks

[dx100uk]

its a discount letter

 

ignore them totally

 

are you saying you are paying this?

 

dx

[dx100uk]

look like you got fleeced blind in this debt

 

we call it cash cowing

 

is this still on your cra file then?

 

with a default date of 2001 it should be long gone!

 

dx

[jimmythefish1]

Please can you read all of the letters as the discount letter is only part of the story.

 

I am not paying them anything at the moment and havent since 30/04/2008 and any payment that I made to them prior to that date I think that I stupidly did without confirming that they were legally entitled or assigned the debt.

 

Many thanks

[jimmythefish1]

How do you mean, Fleeced Blind, have they acted illegally and could I get the £3910.00 back that I have paid them?

[jimmythefish1]

How should i respond to their latest latest letter from Connaught?

 

Worried that time is ticking and that they may take further action.

 

Many thanks

[dx100uk]

How do you mean, Fleeced Blind, have they acted illegally and could I get the £3910.00 back that I have paid them?

 

it would be nice to yes

 

how's a diff matter.

 

whenever you get a discount letter thats 99% means there is actually no debt owing.

 

just remember DCA's are NOT BAILIFFS

they have NO SUCH LEGAL POWERS

 

its typical tat those that have found that they can cash cow you

and get away with it

make ever increasing threats to convince you to keep paying.

 

ignore them now.

 

bet its not on your CRA file ither see below

 

dx

[jimmythefish1]

How can I claim the money that I paid them back as perhaps they were not legally entitled to it?

 

There is nothing on my CRA File about Lloyds TSB, but there is about 1st Credit?

[dx100uk]

urm.. 2003 whats this doing on your cra file

 

is this the same debt?

 

dx

[jimmythefish1]

I hope so as I am not aware of any others.

 

I know, they have been hounding me for nearly 10 years now, almost at the point where if they were to turn up at my door I would run them over!

[Guest]

.............

I have also a copy from Lloyds TSB by way of a SAR Letter to them of my 'Debt Manager Archive Details' showing that the debt was sold by TSB on the 12/12/2003 to 1st Credit for £2.52!

 

]

 

well done for getting that info! it's not readily forthcoming. can work on that.