@asklloydsbank Capquest purchased old LTSB 2007 Credit Card account - No CCA

[BRIGADIER2JCS]

Wow, SB in December - lucky you!

 

As my last communication with a DCA was a couple of years ago, I'm not sure if it's still appropriate to send the account in dispute letter or hang on to see what (if anything) the DCA does next.

 

Suggestions anyone?

 

 

Which DCA is involved?

[krysp]

The new DCA is capquest, they've purchased the account from LTSB.

[BRIGADIER2JCS]

The new DCA is capquest, they've purchased the account from LTSB.

 

Are Capquest actively chasing this at present? If so send a CCA requsest.

[krysp]

They sent me a welcome to capquest letter, asking me to contact them, which or course I won't be (not to make payment anyway)

 

I CCA'd LTSB back in 2009, they eventually sent me a reconstituted agreement which they said satisfied the CCA request. If I CCA capquest, are capquest likely to send a similarly reconstituted one or will they admit LTSB lost/ destroyed the original?

[BRIGADIER2JCS]

It is possible that they will not get another recon, but worth a quid I think to see what does come up.

[krysp]

I'll pop a CCA request in the post later today, thanks for your help Brigadier!

 

Am I correct in assuming the creditors still need to produce original contract paperwork for pre 2007 agreements if they wish to obtain a court order, or is this no longer the case?

[havinastella]

I'll pop a CCA request in the post later today, thanks for your help Brigadier!

 

Am I correct in assuming the creditors still need to produce original contract paperwork for pre 2007 agreements if they wish to obtain a court order, or is this no longer the case?

 

Yes, you are correct

[krysp]

OK, that's encouraging, thanks ...stella

 

Are they a particularly nasty bunch or pretty much your usual DCA ****?

 

As they've purchased the account, rather than simply managing on behalf of the OC, are they more likely to try their luck through the courts?

[tc5712]

I've had the same letter but my credit file still says Lloyds, have you checked?

[krysp]

Haven't checked my credit file for ages, I know it's trashed for at least another 3 years - don't run my life using credit to fund my purchases any more. If I can afford it, I buy it, if I can't, I save, so I'm not too concerned with the state of my credit history.

 

I was gonna send capquest another CCA request, changed my mind, now gonna send them the same letter I've sent to other DCA's - the Account in Dispute letter and I'll see what they come back with.

[tc5712]

Haven't checked my credit file for ages, I know it's trashed for at least another 3 years - don't run my life using credit to fund my purchases any more. If I can afford it, I buy it, if I can't, I save, so I'm not too concerned with the state of my credit history.

 

Same boat as you mate but knowledge is power. Noodle credit is totally free albeit a little behind the paid versions.

 

"Keep you friends close but keep your enemies closer"

 

They've sent us both a letter to say they 'own' the debt now. If they're BS-ing they can do one like all the other DCAs I've been passed through.

[BRIGADIER2JCS]

Checking your credit files can keep you ahead of the DCAs, alerts on searches are worth getting.

[krysp]

Looked at Noodle the other day, may register with them tomorrow. Are they definitely legit? I've moved a couple of times in the last year, not sure which address the Credit Reference agencies have. That said, bloomin' DCA had no problems finding me!

[BRIGADIER2JCS]

Noddle is the free offshoot of Callcredit the least used of the 3 main agencies, the data on Noddle is not always up to date.

[krysp]

Free's one of my favourite words, I'll get onto it in the next day or two once I've finished the sanding down my boat.

 

I thought an account sale from bank to DCA had to be accompanied by a notice of assignment (or something like that)?

[tc5712]

Looked at Noodle the other day, may register with them tomorrow. Are they definitely legit? I've moved a couple of times in the last year, not sure which address the Credit Reference agencies have. That said, bloomin' DCA had no problems finding me!

 

I believe I'm right in saying that CRAs cannot 'blacklist' an address itself, for there to be a negative entry if indeed there is one is has to be linked with a confirmed full name and DOB?

 

As long as your on the electoral role at your current address it will be accurate.

 

I'm sure others will correct me if this is wrong?

[BRIGADIER2JCS]

Notices of assignment can be sent by the creditor and/or the DCA.

 

There is no such thing as a 'black list of properties' credit files are personal to the data subject.

[krysp]

Looks like LTSB have finally sold off all their old toxic accounts. I've just sent off the same Account in Dispute letter as I did when IQOR, Westcott, and Credit Security announced themselves as collection agents, will just have to see what Capquest come back with.

[BRIGADIER2JCS]

I seems that there at least two large portfolio of Lloyds debt in the hands od debt purchasers now.

[krysp]

Been receiving correspondences from a DCA who purchased an old LTSB account.

 

In their latest letter, amongst the usual legal threats they have stated that they can obtain details pertaining to bank account balances, can they really do this or is this more lies intended to get me to pay them?

 

I must say that their three or four letters sent since they purchased the account have been very pleasant, not at all like the previous poisonous threats I've had to deal with from other DCAs.

 

They must be attending anger management courses.

[BRIGADIER2JCS]

DCAs use the Credit Reference Agencies to check on debtors.

[krysp]

Yeah I understand that they can use credit reference agencies to check data like mortgages, loans, CC's, but can they see how much money I have in my bank account as their letter implies.

[BRIGADIER2JCS]

IF the account is reported yes it is visible.

[krysp]

Smeg!

[ericsbrother]

doesnt show the account number or how much balance there is, just that you have an account with natltsbarclooyds and that it is in credit or overdrawn without arrangement. However, applications can be made by various bodies to see the details.