On going saga

[winner12]

Hi all got an ongoing saga with BLS collections ref a Lloyds CC Debt
Having posted on here to find out who they are (Lloyds in house ) I complained to LLoyds that they were harrassing me about paying my debt .
The problem started when my Payment book ran out I wrote to LLoyds asking them to send me a new one it took 4 months and a complaint to Lloyds
+ £50 compensation for them to apologise and send me a new book.
I carried on paying as before the same amount via my local LLoyds
BLS kept sending letters so I complained to LLoyds again who then informed BLS were collecting the debt on their behalf so I wrote to BLS stating I would be paying as usual over the counter ,
this morning a letter arrives from LLoyds solicitors asking me to pay my debt in full within 14 days or Court Proceedings will commence.
So my question is this why dont BLS acknowledge the fact I am paying I withheld 1 payment but paid it as soon as I recieved my new payment book
I did ring the lady at lloyds who dealt with my complaint she said I should ring BLS to reset up my payment plan,I have penned a letter which I have not posted yet should I ring them or will that open up a barrage of calls would like to sort it asap thats why Im considering ringing them please advise so bogged down with all this fighting Lowells too who seem to ignore me

[Celestine]

Re: On going saga

Good grief, Lloyds are so moronic.

BLS stands for Black Lion Street which is named after a Brighton street near Lloyds Brighton Head Office. BLS are entirely Lloyds.

Yes, a strongly worded letter for starters, see if they will stop this course of action.

Which solicitors wrote? SCM??

Well if they do issue, it wont go well for them considering you've been dutifully paying by payment book (when they can be bothered to send you one)

[winner12]

Re: On going saga

Thanks Celestine
That makes me feel better I will go and post the letter then
Oh and i have the complaint letters they sent in response admitting there was a delay of a payment book being recieved can i demand they accept my payment as before wothout sending income and expenditure forms they have got all of that and to be honest we are worse off but i am still paying what i can

[winner12]

Re: On going saga

UPDATE
Hi all
Just to update everyone I sent a letter to BLS to complain about their lack of sending me a payment book to carry on paying over the counter (they just forwarded it to complaints at lloyds such idiots)
Recieved a stroppy letter from the complaints department at lloyds stating ring BLS direct to sort out your payments (they had already sent a letter stating it had been passed to BLS first I knew) if you dont like it complain to the FOS
Damm cheek I have been paying them all upto date as per my DMP but it did not stop them sending a solicitors letter from SMC saying pay up or else
I posted a letter again last Friday to BLS stating what I will be paying and when plus telling them to accept as I now have a payment book and to comfirm
in writing they agree before I make another payment just hoping no more letters from SMC drop through the door

[labman]

Re: On going saga

Can I suggest another way forward? Email everything to the CEO:

antonio.osorio@lloydsbanking.com

Explain what's happened and see what they make of this ridiculous mess they've placed you in.

[winner12]

Re: On going saga

Hi all
I did as Labman said above but have not heard anything yet will keep you posted just proves they ignore your emails aswell as your letters.

[labman]

Re: On going saga

Send another expressing your surprise at not having heard anything and the fact they appear to have ignored a serious email.

[winner12]

Re: On going saga

Thanks Labman
will do

[winner12]

Re: On going saga

UPDATE
Hi all didn`t get anywhere with email other than as before told to ring BLS to go through income and expenditure so they can agree a new plan
But I dont want to do this do I have a choice ?

Has anyone had any luck just sticking to their guns

[wales01man]

Re: On going saga

course you have a choice you dont have to send them your income and expediture details you could post them on here if you wanted but as with this bunch of thret monkeys there is no law you have to do either

[winner12]

Re: On going saga

Thanks wales01man
I have 2 payment books all sent from Lloyds (after I complained) they never mentioned BLS at all just told to pay as before plus my payment I was holding back all of which I did .
Then out of the blue BLS sent a letter and then SMC but they have comfirmed they have been recieving my payments.
Whats the best way to deal with them any pointers would be helpful

[wales01man]

Re: On going saga

i am no expert but if your paying lloyds whats it got to do with the others seems like they all want their piece of the action your money?

[winner12]

Re: On going saga

Well thats the thing BLS and SMC are all Lloyds its very confusing

[labman]

Re: On going saga

Keep paying Lloyds. If they get really insistent about the need for an Income and Expenditure (it can make sense to send one voluntarily sometimes, but as Wales rightly points out, there's no obligation unless ordered by a judge) pm me, I may well be able to help you there.

[winner12]

Re: On going saga

UPDATE
Well after doing nothing for a week other than paying as before with my book over the counter i receive a letter from SMC accepting my proposal to start at the end of June bugger could of saved myself this months payment,I did not send any income and expenditure or call to discuss so thanks LABS may be that complaint via email held more clout than I originally thought thats 2 in the bag now lowells and Lloyds after threatening court action and sticking to your guns obviously pays off eventually