BLS Collections

Spikeyjaycee

I am currently on a repayment plan to pay back my LTSB loan. The other day I received a letter from BLS saying your repayment plan of £32 a month has ended and we've set up a new one for £48 a month. I thought "like heck you have - its the first I've heard of it!" so I rang them. First the lady asked if I could pay the full amount back. "Only if the Bank pays me back as a tax payer what we bailed them out with" I replied. What about a reduced final payment was her reply. Again I said "Only if the Bank pays me back as a tax payer what we bailed them out with". Ok, she said , we'll set it back up with a repayment plan of £32 a month for the next 6-12 months! "Thank you - that sounds like a good idea" I replied. Never let the b******s get you down I say - lol

bottleofred

Well done on not letting them bully you into paying more than you could afford. Unfortunately they try this with too many people and get away with it. Hopefully your encounter with them will help other people on the forum to stick to their guns when dealing with dcas!

Pott5y

BLS are Lloyds in-house collection agency. They will always try it on.

I have to say out of all my creditors LLoyds are by far and away the worst I have had to deal with. They are so nasty and underhand and will say one thing whilst trying to twist and grab back with the other. The sooner I can get them paid off the better.

For example - I have just received a default notice (yes it is correctly worded) on a credit card debt that they have also sent me a letter 2 months ago re-accepting my Payplan DMP offer :shocked:

mandyl

i hate lloyds!

DGJsaver

Pott5y wrote: »

For example - I have just received a default notice (yes it is correctly worded) on a credit card debt that they have also sent me a letter 2 months ago re-accepting my Payplan DMP offer :shocked:

Whats wrong with that ?

Pott5y

DGJsaver wrote: »

Whats wrong with that ?

Whats right with it??

I have been on a DMP with Payplan for 6 years and they have agreed to accept my lower payments. They then tried to get me to go higher, but I couldn't. I then had a letter from them in May confirming that they were willing to keep me on my cuurent repayment plan until Jan 2011. I have now received a default letter saying that I owe 3 months min payments of £353.00 when they have agreed to accept (in writing)the reduced payments.

Now I didn't think that was right!!

DGJsaver

You WILL get defaulted , because you broke the terms of the original agreement , any payplan/DMP is totally informal , in writing or otherwise , you will find that will be without prejudice

They have to formally default you , to follow due process

Pott5y

They did that 6 years ago when I originally defaulted on the debt.

DGJsaver

Then the letter you got is just a !!!!!y letter trying to get more , no ?

Not an offical default , as you already have one

Pott5y

Pott5y wrote: »

For example - I have just received a default notice (yes it is correctly worded) on a credit card debt that they have also sent me a letter 2 months ago re-accepting my Payplan DMP offer :shocked:

It is correctly worded I have checked!! Both Payplan and the NDL have agreed. So was the original. I have been informed that apparently they can send out more than one default notice, but they can only lodge a default on a credit file once!!

So even if it were a !!!!y letter for them trying to get more then my argument stands. They are under hand as they have agreed one thing whilst doing another

DGJsaver

Then why havent you made an official complaint about it , they can only issue one default per debt , even if sold on