Various Agencies Collecting for Lloyds TSB Plc

[blackillusion]

Hello Ladies and Gentlemen,

I am here to ask for any advice you can give regarding debt collecting agencies.

The proclaimed debt is my partners, which she is not entirely sure what it is for. She had some financial issues before we first met, a phone contract with 3 and ended up being unable to pay which she was chased by wescot and paid in full (have paid in full letters).

This is another debt which may have resulted from the same situation but obviously to lloyds, not entirely sure but maybe it was into unagreed overdraft? Again we do not know. The account got taken away or closed she no longer has the lloyds account and hasn't for over 5 years.

So 10/06/12 Wescot sent a letter the first we had received as we had moved house.


Then came a second:


To which we replied:


Then received a response asking for confirmation of D.O.B now I guessed (maybe wrongly) that any legitimate claim would have these details, so ignored them and haven't heard since:


Then started the Lowell letters of which we have ignored, maybe foolishly? This one came with both letter one which looks like a nice forged document saying the debt was sold to them from lloyds.....? Surely they bought it from wescot? Is there something wrong here?:



Then another from lowells again ignored:


Ah whats this? A fresh company to deal with how many fingers can you get in one pie? Hamptons Legal, oh wait its another department for lowells..ignored:


Then came a second from haptons offering a 50% discount. ignored.


Oh wait another turns up- Fredrickson International - ignored:


Finally yesterdays letter arrives from a solicitor, your very good friends at Bryan Carter. Now I understand that they may be sending this in hope that if they try to go to court they will get ignored then automatically win.


So I understand that maybe I should have asked for advice a lot earlier, unfortunately I am out of my depth with all this but have enjoyed reading through the other stories on the forum.

My question is are any of you kind folk able to point me in the right direction in order to stop the plonkers here.

Many thanks
Nick

[ploddertom]

Re: Various Agencies Collecting for Lloyds TSB Plc

Has she checked her credit file as there may be a good chance this could be Statute Barred.

[blackillusion]

Re: Various Agencies Collecting for Lloyds TSB Plc

Has she checked her credit file as there may be a good chance this could be Statute Barred.

Hi ploddertom, thank you for your reply.

We have just sat and ran a credit report on equifax using the free 30 day trial:


Thanks again

[Amethyst]

Re: Various Agencies Collecting for Lloyds TSB Plc

Hi ploddertom, thank you for your reply.

We have just sat and ran a credit report on equifax using the free 30 day trial:
Thanks again

I think your credit report shows your last payment was in April 2008 and cause of action arose August 2008 so you're probably not going to be stat barred.


The letter from Bryan Carter stating they will take court action on 7th May is defeinately a letter before action and as such should be responded to - http://www.legalbeagles.info/forums/...781#post416781

A CCA request would be a good idea as well http://www.legalbeagles.info/forums/...y-of-Agreement

[blackillusion]

Re: Various Agencies Collecting for Lloyds TSB Plc

I think your credit report shows your last payment was in April 2008 and cause of action arose August 2008 so you're probably not going to be stat barred.


The letter from Bryan Carter stating they will take court action on 7th May is defeinately a letter before action and as such should be responded to - http://www.legalbeagles.info/forums/...781#post416781

A CCA request would be a good idea as well http://www.legalbeagles.info/forums/...y-of-Agreement

Thank you Amethyst. I did print of the indepth CCA letter this morning but was not sure on whether it could be used as was unsure of the dept type as it could possibly be overdraft related after the other debt referred to in the 1st post.

Would it just be a case of sending the CCA request to both lowell and bryan carter? Or would I need to compose another formal letter of some kind?

Thank you so much for your help.

[Amethyst]

Re: Various Agencies Collecting for Lloyds TSB Plc

If it is a current account overdraft then no the CCA isn't applicable. My bad I hadn't noticed it was an overdraft.

Other than having had a number of DCA's chasing you for the debt what is the dispute on it?

It isn't Stat Barred so that's out, we can't use failings in the CCA, we can ask for preaction disclosure of information - including the terms of the current account overdraft ect. WIth regards our girlfriends phone account issue - you think this is related? in that the debt has built up on unpaid direct debit charges ?? If so then your response to the pre action letter could be to ask for details how the debt has built up, or request statement copies or transaction lists from Lloyds etc (under a subject access request) and inform Bryan Carters that the account is in dispute as it is made up of charges and you have sent a SAR for further details etc.

[blackillusion]

Re: Various Agencies Collecting for Lloyds TSB Plc

If it is a current account overdraft then no the CCA isn't applicable. My bad I hadn't noticed it was an overdraft.

Other than having had a number of DCA's chasing you for the debt what is the dispute on it?

It isn't Stat Barred so that's out, we can't use failings in the CCA, we can ask for preaction disclosure of information - including the terms of the current account overdraft ect. WIth regards our girlfriends phone account issue - you think this is related? in that the debt has built up on unpaid direct debit charges ?? If so then your response to the pre action letter could be to ask for details how the debt has built up, or request statement copies or transaction lists from Lloyds etc (under a subject access request) and inform Bryan Carters that the account is in dispute as it is made up of charges and you have sent a SAR for further details etc.

Well the problem is it is my partners from before we were together, she is unsure of what exactly the debt is for. She did have a current account or similar with lloyds then had some issue with paying a phone contract which was being paid from the account, so I/we guess it could be overdraft related/unpaid direct debits. (They are chasing her for the debt, we are not married and she literally owns a car as registered keeper that is about it.)

Never had a direct description for the debt just the usual scare tactics saying she owes £610.

Wescot tried it on originally and we sent the letter to say she was unaware of such debt, they then asked for d.o.b so we ignored because they have to prove it(?)

I personally have never had a problem in debt, so really appreciate the time you have spared to reply. thanks

[blackillusion]

Re: Various Agencies Collecting for Lloyds TSB Plc

Just to clarify the phone debt got paid in full to wescot years ago.

So as she is unaware of what the actual debt is, what can we question? Obviously there shows a default on credit file but does not say what for.

Or is it a case of accept that there is a debt regardless of whether she knows what it is for or not, and need to reply for what the debt actually is and paperwork for it.

If that is the case would it matter on the context of the reply that gets sent. As I know some of the templates have been made and checked specifically.

Thank you
Nick

[blackillusion]

Re: Various Agencies Collecting for Lloyds TSB Plc

Can she send a prove it letter or is it too far gone? Like I say she does not know what it is for?

Or should she send asking for copies of the documents?

is it best to email, or recorded delivery best?