Lloyd sell 10yrs old Loan debt with CCJ/CO to Link - no-one has any records!!

[cruzhughes]

Ok I'll draft one once I've forwarded sar to Fos. I'll post it to see if it's ok before I send it. Thanks

[cruzhughes]

To whom it may concern,

I am writing to you today with my concerns of a final equitable charge that was applied to my property on 26/08/2006 at Brighton county court. (Copy enclosed)

This is showing on land registry documents. I have personally contacted the land registry however they have confirmed they don't have a copy of it. I have been on registry trust website no information there either.

I then contacted Brighton court they hold no information and advised me to contact the court at which the property is. I have spoke to local county court and they hold no information either.

I have also had a company called link financial outsourcing get in touch with me at an address I do not live at anymore saying they have been assigned a debt from Lloyds with a balance of £6020.50 on 29/06/2016. (Copy enclosed)

I have also relieved a subject access request from Lloyds with no reference to this debt at all

I would like you to explain to me how you have been able to secure this charging order on my property yet I knew nothing about it. Have you any of the documentation to back this up. If you don't then I would like you to remove this charge with immediate effect.

All this information has come to light after claiming back Ppi. But have not been given any details of it from start of claim until the end of claim. If I did owe you any money then I would have thought you would have provided the information in the final decision letter

Anything else I need to add here or take out

[dx100uk]

much too much waffle.

[dx100uk]

To whom it may concern,

I am writing to you today concerning a CCJ and thus a final equitable charge that yourselves, LLoyds, registered against my property on 26/08/2006 at Brighton county court. (Copy enclosed). I have had no prior communication or knowledge of this debt nor the CCJ/CO.

Land Registry have confirmed they don't hold a document copy.

Brighton court have confirmed they don't hold a document copy.

My local county court have confirmed they don't hold a document copy.

ON 29/06/2016 you assigned this 'debt' to link financial outsourcing whom are trying to contact me at an address I no longer live at.

wishing payment of £6020.50 on . (Copy enclosed) I totally refute this debt.

I send you Lloyds a Subject access request on DD/MM/YYYY

this contains no information regarding the debt or your actions.

I am desperate to improve my life and am being prevented from doing so by the above CO.

Could you please investigate this for me as I believe this to be registered in error by yourselves as no-one can prove anything.

If you cannot substantiate the charge, then please remove it forthwith.

I give you 14 days to respond before I begin my complaints to the ICO/FCA/FOS.

[cruzhughes]

Send here??

Head Office Sites and General Enquiries

25 Gresham Street

London

EC2V 7HN

[dx100uk]

FAO: Legal Department

[cruzhughes]

Will be in tommorows post without a shadow of a doubt. Thank you

[cruzhughes]

Posted letter to Lloyds yesterday and have also received this off link today

PDF Photos Link.pdf

[dx100uk]

Ah shame

Plink got another lemon debt

[cruzhughes]

I wonder what Lloyds will come back with next the charging order. If link are saying Lloyds don't hold intonation

[cruzhughes]

It's been 20 days since I sent letter to Lloyds about removing charge. I gave them 14 days to respond I have not had any acknowledgment that they have had letter and investigating but the letter was signed for. What shall I do now?

[cruzhughes]

Little update

I started a complaint online with Lloyds and they have been in touch.

They say they sold to debt to asset link and the debt is not theirs anymore.

And that the charge should automatically change to asset link (it hasn't)

Asset link could not provide the CCA.

Lloyds have not got one either.

But are going to send all the information out they have regarding this debt from 1999.

What now?

[dx100uk]

no it does autochange to link esp as its that old.

[cruzhughes]

So what happens next Lloyds won't remove it?

And link have already confirmed they haven't got the CCA.

Will link take me to court to get the charge in their name?

does Lloyds stay there forever?

Ive had not correspondence off link since the confirmed no CCA.

But I'm having voicemails and texts off alpha credit to call them about some loan.

[cruzhughes]

no it does autochange to link esp as its that old.

 

Does or doesn't???

[dx100uk]

doesn't unless they ask

dx

[dx100uk]

So what happens next Lloyds won't remove it?

And link have already confirmed they haven't got the CCA.

 

Will link take me to court to get the charge in their name? no they don't need you there.

 

does Lloyds stay there forever? the charge will yes.

Ive had not correspondence off link since the confirmed no CCA.

 

But I'm having voicemails and texts off alpha credit to call them about some loan.

 

 

never heard of that name

[cruzhughes]

So what do I do Just sit and wait? I can't believe that neither have asked for anything from me.

[dx100uk]

yes I would.

you sure those chasers on the phone wernt assent link?

just to clarify..link [or more correctly]

the court WOULD write to you informing you of a change of claimant application.

[cruzhughes]

If that happens what action would I take then?

[dx100uk]

probably challenge it if we can

but lets see

 

 

theres another recent thread with that going on

[cruzhughes]

I've tried looking for the thread can't find it what's the title

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?470045-Lloyds-CCJ-Asset-Link-and-Moorcroft&p=4951293#post4951293

[cruzhughes]

Cheers. I've just read through that. My only difference is I can't or the courts got no record of CCJ. There is something on the local court computer for roughly same date as charge was placed but they can't open the file as it's so old?!

[cruzhughes]

Another letter off link tickles me how they say that had to locate my address as I give it to them after I received the first letter of assignment that was back in July

PDF Photos 11-11-2016.pdf