Advice regarding Lloyds/ Robinson way dates of birth being incorrect

[Annoyed with Lloyds]

Hi there,

so as I write this this has been going on since 2005,

 

I got myself into debt when I was younger and couldn’t afford to pay it all back.

Lloyds put everything together and it came out over £20,000

this Was passed onto Lloyds debt recovery team in 2005 but I was paying the debt off in small amounts

 

I believe this debt was then passed onto a company called Robinson way in January 2006 where I was paying £130 a month

this then changed to debt managers

and then onto clarity

 

Lloyds and arrow global have stated that I made no payments between 2005 and 2009 even though I have proof I paid Robinson way!

This is where it’s gets complicated - my dad was making the Payments from his account to Robinson way.

 

The other issue I had was for from 2015 onwards I also had a problem with passing security and I believed my details were compromised with arrow global, who I found out they had the date of birth of myself the wrong month - after contacting Lloyds they stated they had the right date of birth and had it right all the time.

It turned out Lloyds were actually incorrect and didn’t have my right date of birth at all and an address I never lived at.

 

for the last 6 months I have been trying to get hold of Robinson way as they don’t have the correct details for me and I can’t get the information.

 

But here’s the plot twist

apparently Arrow managed to get hold of Robinson way and they state the debt wasn’t for that But how as Robinson way didn’t have the correct details for me.

 

Unfortunately I have lost all faith in  Arrow. 

I asked Lloyds for everything to do with my account And I have received a letter after all this to go into branch to identify myself

 

I have been living this nightmare for the last 15 years and I know I got myself into this but I have made these payments since 2005 what can I do if anything I have been through the financial ombudsman who to be frank were terrible. 

[dx100uk]

sounds like you've been cash cowed for years.

 

what is the type of debt please?

 

don't forget the golden rule...

a DCA is NOT A BAILIFF

and has

ZERO legal power on any debt, no matter what it's type.

 

 

[Annoyed with Lloyds]

It was two loans and a overdraft. What is cash cowed? 

[London1971]

Ohh God, don't pay these bloodsuckers another penny.

[Annoyed with Lloyds]

I’m stuck in this I’ve still got £5,741 pounds left to pay I just don’t know what to do anymore 

[London1971]

No, No, No.

 

If it's burning a hole in your pocket, give it to your local food bank or homeless charity. Spend it in your local struggling high street, but not one more penny to those bloodsuckers.

 

Stuff all they can do to take the rest off you by now. Plus it's long gone from your Credit file.

 

Stop wasting your hard earned money on this!!!

[Annoyed with Lloyds]

I just need to know what I can do apart from not pay it it’s not just going to go away? I believe I have already paid this anyway. And I have a baby on the way in December 

[London1971]

You've already spent (wasted) the equivalent of a deposit on a flat on this. There is nothing they can do to enforce this debt. DCA's have no legal powers, end of!  Alternatively you can carry on paying and throw away more of your money. This is the best advice you will get from anyone, I promise!

 

As for it going away, I disagree, it's already gone away!

[Andyorch]

Wait until you get your DSAR request and gather all the data then send the following for the loans to the now legal owner of the debts.

 

 

 

Disregard the OD for now...but try to get a figure of the balance.

 

Andy

[London1971]

Yup, CCA request and make sure  they have your correct address in writing. 

 

But the reality is my son was new born when you defaulted on this debt, he's taking his GCSE's next year!  It's over!

[Annoyed with Lloyds]

I honestly believe  this stopped me getting a mortgage 

 

So I’ll ask arrow for the Cca request and see what they bring back to me 

[London1971]

9 minutes ago, Annoyed with Lloyds said:

I honestly believe  this stopped me getting a mortgage 

Nope, it would be invisible to lenders 6 years after default

[dx100uk]

who merged them all?

or did they?

 

send arrows a CCA request for each loan..

 

the trouble here is you've been blindly ringing people over +10yrs and these fleecers will say anything on the phone to con you into paying .

if lloyds have sold all the debts to arrows or robbersway or split them, 

why do you think they did that then?

 

they got <10p=£1 for them...

why didn't they take you to court and crush you>>> why sell it cheaply off...think about it...

 

 

[Annoyed with Lloyds]

Lloyds merged all these into one and probably did split them I’ll get onto to arrow to ask about the cca request 

[dx100uk]

one for each loan account number...

no need to contact them

you simply print 2 copies of the CCA request off and post each one sep...

ensure you READ all the posts in the CCA request link 1st

dx

 

[Annoyed with Lloyds]

Issue I have is I have one loan number for everything 

[dx100uk]

one loan number or one ref number.... the DCA or someone gave your debt long ago.

 

who rolled everything?

[Annoyed with Lloyds]

Who rolled everything? 

It’s was Lloyds who merged everything 

[dx100uk]

did you sign a new agreement or anything after lloyds merged everything..?

making it all say a consolidation loan?

 

when did you get this letter from lloyds to go into a branch and ID your self so you could get all the data (SAR was it you asked for?)

 

do you still posses the FOS letters? and when did you complaint to them?

 

dx

 

 

 

 

[Annoyed with Lloyds]

Didn’t sign any agreement Lloyd’s just put it together. And it was just one single debt,

I asked Lloyd’s for all the information they held about me and after they admitted that they had my date of birth changed that this would be updated on the system

 

I asked for my information two weeks ago and I got a letter telling me that they couldn’t Identify me.

I have the email of Fos still yes.  

[dx100uk]

so whats this about having to goto into a branch with ID

what was that for?

can you redact and post the FOS email here please

 

dx

[Annoyed with Lloyds]

So that was to get all the details that Lloyd’s held for me. Including agreements etc as they have still not updated there system I cannot do this. 

[London1971]

That’s an SAR. Send Lloyd’s a copy of photographic iD along with either a council tax or utility bill .

[donotletthem]

contact Complaints director Sarah Horrowsmith ‭07468 755999

[donotletthem]

Did you  contact Complaints director Sarah Horrowsmith ‭07468 755999