Omg Help!

SeriouslyStressed

I just received a TEXT message from a company calling themselves Primo-Repo

the message says...From
Premo-Repo. We are acting on behalf of Lloyds-TSB. Our agents will visit you on the morning of 24.08.07 to remove goods.

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I am SHAKING!

I only just got a default notice off TSB yesterday and it was dated 20 August 2007.
That notice said I have until Sept 7th 2007 to pay £224 arrears. I owe them £3,883 and even though I asked them to freeze my account they are continuing to add intrest etc.

What can I do about this visit tomorrow? and are they even legally allowed to do so? There's NO way I'm letting anyone in.

rayday2

Give the national debt hepline a ring now see what they say.

climbgirl

Whatever happens, it is very important that you don't let them in. State quite clearly to them that you're not allowing them access to your property. Once they're in, they can reenter whenever they like.

Ring Lloyds as soon as possible to find out what's going on. If they've given you a payment date in Sept it seems unlikely that they'll have sold the debt on and send the bailiffs in.

rog2

UNLESS they are bailiffs, executing a warrant as a result of a defaulted CCJ, then this is an extremely distasteful text from a Debt Collection Agency.
Not only is it distatsteful, it is in direct contravention to the OFT guidelines on Debt Collection, to mislead a debtor into thinking that they have the 'power' to remove your goods.

In actual fact, if they are a DCA, then ALL they can do is ask you for money.
They have No right to tell you that they will be 'around to remove goods'.

If they DO turn up, they have NO LEGAL RIGHT OF ENTRY and MUST LEAVE WHEN YOU ASK THEM TO.

To read exactly how Debt Collectors SHOULD and SHOULD NOT conduct their business, have a look at the following link:

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Any Debt Collection Agency that resorts to tactics like this, deserves to be reported to the Trading Standards Office, and the Financial Services Association.

rayday2

I would be the last to stand up to Lloyds they are a useless bunch but they don't sound like the kind of company Lloyds use. Have you paid the reduced amounts you offered even though they have not froze interest, if not write to them enclose a payment and keep sending it.

Lloyds usually send out a letter on a grey sheet of paper from solicitors, I had one of those but I complained and it went back to Lloyds turns out they are linked companies.

rayday2

Sechiari, clark & Mitchell or something the solicitors they use were also they use a company called Buchannon Clark + Wells debt management company. All very stuffy names that text sounds a bit scammy.

spud30

Have you called Lloyds TSB to find out if it's genuine?

What did they say?

rayday2

You could withold your number from a landline and ring the number the text came from just out of curiousity.

SeriouslyStressed

Following mums sudden death at end of April, I've been in a serious financial pit. I wrote to them ( i cant use the phone ) on 20th June telling them i could'nt pay and sent £1 in hope they would accept my token offer ( £1 per month ). ( this was on advice from here and CAB )

They ( TSB ) sent me an SOA sheet to fill in ( grey area's and complications mean it's still not done.. and not helped by tsb and tesco continuing to charge intrest etc after i asked for a freeze until i can get a handle on things )

(side note... Q. HOW can i fill in the IN/OUT sheet for them if they and tesco are continuing to increase the amount I owe? and tehy are asking what amounts and to who else I owe money, is it safe to divulge that information to TSB? ( TSB, TESCO and CITIBANK )

Anyways... EVEN THOUGH I've stated very clearly to TSB i cannot se the telephone ( and want all correspondence in writing ) they CONTINUE to ask me to phone them! aaaargh.

I am what my name says, I'm on record as being suicidal ( and i informed TSB also ), i think it's better I'm not in tomorrow, it's all too much for me.

rayday2

But did you keep sending the £1 you must keep sending it whether they suspend interest or not it makes it much more complicated for them to take action you are showing willing by not doing it it looks much worse for you.

You cannot hold them to ransome it does not work that way, you need to get CAB help or national debthelpline and keep sending that £1

Crown

Hi SStressed, I dont think they will turn up but if they do then as Rog2 has said they have no legal right to enter or remove anything. It sounds like the typical heavy handed tactics that we discuss nearly daily on these boards.

At this point a lot of people will crack if they do have access to some money and pay up. I would personally speak write to them and and threaten to report them to the the OFT and also complain to Lloyds about the tactics used by this company and again tell them that you are trying to arrange a repayment plan and if you receive anything in this vain again then you will have no alternative buty to reprt them to both the FSA and trading standards.

I wish you the best of luck