Lloyds again and other C/C's

[I am B]

Well, despite these twunts saying that their reply to my letter 1 was their final reply what do i get today? A reply to letter 2 (ive already got them in a tacit as letter 3 went off last friday). Heres their reply to letter2 in a plain envelope with no return address and sent by a different minion:-

"I write in reponse to your letter dated 31 January to Eric Daniels.

As my colleague xxxx xxx has previously mentioned in his letter dated 28 January, I am advised by our legal department that, under English
Law we are under no obligation to provide you with either the information or the documention you request. In these circumstances, I will not reply specifically to matters point by point. This is not and cannot be construed as acceptance of the terms you have suggested.

I would like to reiterate the concern that you may be obtaining incorrect advice as to your legal rights from a third party or internet web site. If followed, it is entirely possible that this will cause you to breach the terms of your agreement.

Should you intend following the above course, we recommend that you seek independant advice"


Ha ha, ive just noticed this - Our reference: FREEFRM/BBD
Goodness me, to you think that reference refers to this honourable site

Couple more things-sent 2 days before was a second formal demand signed by yet another "relationship manager".
Also, all of this correspondence has been sent to an old address vacated in June last year.
It is my intention to return all this correspondence "Not at this Address - Return to Sender" after copying. Do you think this is the most sensible move?
The twunts have been advised 3 times now of new address (statements and first formal demand are sent there) and i also got today a letter thanking me for
the new forwarding address (a c/o po box as i live in a van and am no fixed abode) but they couldnt action it as the sig didnt match and would i go into a branch with suitable id to confirm and sign! He he, what a bunch of jesters! The best bit is that this letter WAS sent to the c/o po box.

If they ever do send anything apart from this to the new address its all going back NCRTS but for the moment i feel "Not at this address-RTS" is ok.
Any thoughts?

Im getting into this now and the posts on this site have given me confidence, so thanks again all you good folk

[I am B]

Just picked up my post and i find ive got another "Final response"-the 3rd one -this in response to letter3. As before, they sent it to the old address despite being advised 3 times now of the new one. This final response is acknowledging my "complaint", which proves they really dont comprehend anything at all and mumbling on about the Bills of Exchange Act not applying etc.
I plan to copy this and return it "RTS-Not at this address" as per all the others.
Just so i get things straight in my mind-i sent letter 3 on 11Feb and the above letter from LTSB was sent on 18 Feb. Is it ok to send an estoppel to them one month after the 18Feb letter or is not worth it and just bill them for the 18Feb one they sent? Does that make sense?
Cheers!

[ceylon]

yes thats fine

[I am B]

Thanks Ceylon-will give them a month from 18Feb and send estoppel.

[SundayForever]

Yes, so it is ! Many thanks !


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[I am B]

Yes, so it is ! Many thanks !

What?

[I am B]

Following the 3 letter system i got LTSB into a tacit and its now been over 30 days since any form of contact to do with the alleged debt. They have been writing to me regarding an overdraft that they created, albeit to the wrong address though. I will shortly begin the process on this too as soon as they write to me at the correct address.
Im considering sending an estoppel Notice to them re: the tacit but as i got them in a tacit when Eric Daniels was CEO im wondering whether it will mess things up if i send the estoppel to the new CEO, one Antonio Horta-Osorio? Would it be best to just not send an estoppel perhaps and wait for the DCA to start?
At the moment i have nothing to Bill them for either...
Any thoughts much appreciated
Very many thanks for all good stuff on here which im still going through. Am feeling a lot more empowered now that im actually into the process and seeing how everyone is getting on. Cheers to all!

[ceylon]

send the estoppel as its the same bank still

[I am B]

Thank you once again Ceylon; ive drafted a hybrid one using the DCA one and other bits so will get that off after the weekend.

[I am B]

Just to update this one. Im sending an estoppel to LTSB tomorrow as its been about 40 days since the date of their "Final Response" letter. I used the DCA one amended to reflect the fact that its being sent to a bank. Also added a small bit to the top such as "Final Notice"- "Do not ignore this Notice". Also added a bit advising them to go to the CAB or lawyer if they didnt understand the contents.
Ive no doubt there will be a reponse and will post on here when i get it.

Have got a small overdraft to deal with that LTSB created themselves and am debating whether to NCRTS or do 3 letters. Any thoughts?
Cheers!