TTI SPC unusal doctored letter

davito1

Hi all,

After getting in touch with TTI SPC asking for

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account.
2. You must supply me with a signed true and certified copy of the original default notice
3. Any deed of assignment if the debt was sold on

They have sent me a copy ?? of the notification of assignment that they said they had sent to me, to be honest it is totally different to the original, but more worrying is that they have copied and pasted the original creditors ( Lloyds TSB ) logos and then added there info ( notification of assignment ).

So what they have done in short is fabricated a letter using Lloyds TSB logos etc with no ref umber to look like an official letter from TSB.

Is this lawful of them as i asked for a true and original copy of the forementioned, also i am still waiting for a copy of the original defaults served by them, no doubt they will use TSBs defaults ( can they do this ).

For the record after using the above they did ammend some details on my credit report, so it does work, but i want them gone.

Any ideas ???

chanz4

The have done it correct, they have permission and normaly a box of header from the lender. The site you have this info from has no idea, lenders dont keep copys of default notice and only have to state when sent.

davito1

Damn, lol.

Just looked dodgy but the info is totally different from the original including the dates.

So they dont have to supply a true and original copy of the default notice? and just the date that seems unfair as it can not be verified then really, they could say whatever is on someones credit report.

Can they do this even after BR even if included in my list of creditors??

Surely under the credit act they must supply me with the details.

fermi

davito1 wrote: »

Can they do this even after BR even if included in my list of creditors??

Is the current recorded default date before or after the date of your bankruptcy order?

davito1

i am also doing the same with Arrow Global, as they purchased a debt from Orange but as tele com companies dont have to keep records under the act they say they dont have details, but they issued the default and surely must have to prove and verify details or the default should be removed.

davito1

the default dates are after my BR but this can easily be ammended.

I understand the date can be changed and that changing this would remove the default sooner, but i just wanted the default removed as TSB have defaulted me x3 as well as TTI SPC x3 for the same.

Either TSB remove or TTI SPC remove the x3 default surely not both can have them on for the same debts.

Surely they have to prove accounts, or anyone could be defaulted anytime for anything.

fermi

You should only have one default for each debt. If sold on, the default with the new company should replace the old old one.

I think you need to stop faffing around with out of date template letters that were not much use even when they were first posted, and concentrate on making sure the defaults are dated correctly and any left over duplicates are removed.

Although to be honest, as long as the duplicates are not after the date of your BR order then they mean nothing.

The BR order is a bigger blacker mark than any default, and will be on your report as long or if not longer than a correctly dated default.

davito1

How long is a BR on a credit report , is it still 6 years ??

fermi

Yep. 6 years from the date of the BR order.

davito1

i contacted experian about the double defaults and they saw that they can do this, seems odd that i can have 3 defaults from tsb then 3 from tti spc for exactly the same thing, this cant be correct, experian say it is