I have just had a demand letter!!!

worldupstairs

I have just been sent a letter demanding money from Lloyds Tsb via a debt collection company over the bank claims that I am currently in dispute with (put my claim in over 2 years agao). I was wondering if this should be sent to the judge who has stayed the case until the Commercial Court case?
Please can you help

Orford

Write back to the DCA stating that the claim is subject to a court claim (quote claim no.) which is stayed subject to the conclusion of the OFT test case and as suchtheir demand contravenes the OFT debt collection guidance and request that the file be returned to Lloyds

Angel89_2

worldupstairs wrote: »

I have just been sent a letter demanding money from Lloyds Tsb via a debt collection company over the bank claims that I am currently in dispute with (put my claim in over 2 years agao). I was wondering if this should be sent to the judge who has stayed the case until the Commercial Court case?
Please can you help

wendycook wrote: »

I am 23 years old and have been chasing Abbey National for unfair bank charges on my account for over 18 months. I estimate that I am owed £2500. I have even contacted the Financial Omburdsman. I have all copies of letters, emails and phone calls that I have made to them over the past 18 months.

I recently put in a claim, again, for my unfair charges to be repaid due to financial hardship. Abbey National have now informed me that they have closed my account and passed it on to a debt recovery agency.

Can anybody please help as to what I should do next and whether Abbey National can legally do this?

Just ignore them mate.

The FACT is that Debt collectors have ABSOLUTELY NO LEGAL POWER OR AUTHORITY WHATSOEVER!! :rolleyes:


They cant go into your house, they cant touch anything that you own,
they cant do anything at all.


If they/the bank phones you the 1st thing that they do is ask ''can you confirm these details''...,
just say ''i dont know who you are so unless you detail me your name, your date of birth and YOUR home address, then im going to hangup on you''. :cool:;)




if they call back tell them to 'F**K off',
or be even more creative and have some fun with them! :rotfl:


Thers loads of ideas on CAG forums about what you can do like acting like you are deaf and so tehy ahve to repeat everything, keep repeating what they say, using funny accents, agreeing to everything and making it sound like your on their tem but then scream and hangup jsut before tehy ask for the debitcard numbers to pay them! :rotfl::A

natweststaffmember

Angel89 wrote: »

Just ignore them mate.

The FACT is that Debt collectors have ABSOLUTELY NO LEGAL POWER OR AUTHORITY WHATSOEVER!! :rolleyes:


They cant go into your house, they cant touch anything that you own,
they cant do anything at all.


If they/the bank phones you the 1st thing that they do is ask ''can you confirm these details''...,
just say ''i dont know who you are so unless you detail me your name, your date of birth and YOUR home address, then im going to hangup on you''. :cool:;)




if they call back tell them to 'F**K off',
or be even more creative and have some fun with them! :rotfl:


Thers loads of ideas on CAG forums about what you can do like acting like you are deaf and so tehy ahve to repeat everything, keep repeating what they say, using funny accents, agreeing to everything and making it sound like your on their tem but then scream and hangup jsut before tehy ask for the debitcard numbers to pay them! :rotfl::A

Don't agree with your advice because it is irrational and is not reasonable.

Orford is legendary on bank charges sites so I think his advice is the one I would follow.

Angel89_2

The banks harassing people and charging people the ridiculously high amounts of charges isnt reasonable or rational either though...


If thats how the game is played why fight it, instead of just joining in and playing it to??

natweststaffmember

Angel89 wrote: »

The banks harassing people and charging people the ridiculously high amounts of charges isnt reasonable or rational either though...


If thats how the game is played why fight it, instead of just joining in and playing it to??

Your tactic is Ignore them/ swear at them/ don't go through security processes with them/ and go to CAG(why not go to PenaltyCharges{Stephen Hone's site}, or Legal Beagles{Curlyben and a host of veterans are there} or ConsumerCreditSupport where Tamadus and Dragonlady are there} or BritishConsumer site{smasher is on that site} or maybe Penaltyactiongroup{Ed. and Tanzarelli are on that site} or maybe even Moneysavingexpert{Martin Lewis' site which we are both on}).

So, Orford said tell them that there is a claim and that the dispute is already in dispute.
I know which advice I would follow which is the reasonable apporach which is the polite get stuffed to a DCA(no swearing required).

Angel89_2

natweststaffmember wrote: »

Your tactic is Ignore them/ swear at them/ don't go through security processes with them/ and go to CAG(why not go to PenaltyCharges{Stephen Hone's site}, or Legal Beagles{Curlyben and a host of veterans are there} or ConsumerCreditSupport where Tamadus and Dragonlady are there} or BritishConsumer site{smasher is on that site} or maybe Penaltyactiongroup{Ed. and Tanzarelli are on that site} or maybe even Moneysavingexpert{Martin Lewis' site which we are both on}).

So, Orford said tell them that there is a claim and that the dispute is already in dispute.
I know which advice I would follow which is the reasonable apporach which is the polite get stuffed to a DCA(no swearing required).

Because the end monietary result will be exactly the same.

You can say that to them but they will jsut spout out all the old, rubbish about how until teh case is set in stone and ruled by house of lors they can keep charging whatever they choose and you cant claim anything back.


So if they arent gna pay you back anything why not have some fun with them instead?? :cool::rolleyes:


And i said go to CAG because on CAG thres a huge thread, over 150pages long, which is about how to windup debt collection agencies and banks when they phone you! :rotfl:

natweststaffmember

Angel89 wrote: »

Because the end monietary result will be exactly the same.

You can say that to them but they will jsut spout out all the old, rubbish about how until teh case is set in stone and ruled by house of lors they can keep charging whatever they choose and you cant claim anything back.

Yes and all those charges are reclaimable and could be a hardship case.
So if they arent gna pay you back anything why not have some fun with them instead?? :cool::rolleyes:


And i said go to CAG because on CAG thres a huge thread, over 150pages long, which is about how to windup debt collection agencies and banks when they phone you! :rotfl:

I know the CAG thread cos I have, at times, been wetting myself reading it. There are threads on the debt forum here on MSE where some posters have done exactly the same, however, I am very rarely in that area of the forum cos I stick to what I am good at, bank charges reclaiming.

Angel89_2

It all just depends on if you have any respect for the banks or not.

the end result is going to be the same no matter what route taken

natweststaffmember

Angel89 wrote: »

It all just depends on if you have any respect for the banks or not.

the end result is going to be the same no matter what route taken

But you gotta remember, on this specific user we are getting the DCA out of the picture or if they want to remain then we are getting them to take the OP to court cos bank charges is easily defendable.

It's not a CCA related thread or loan agreement one