Get Out Of Debt
  • Write off unaffordable debts
  • Lower your monthly payments
  • Stop creditors from contacting you
  • Check My Debt Options

How Can I Get Out of Debt?

With a simple legislated debt solution you can consolidate all your debts into one lower, affordable monthly repayment. Make one set payment per month for a set period, and after the period expires any remaining debts left are legally written off. This can be up to 90% depending on your circumstances.

Lloyds / SCM credit card Vs Me

thinwhiteduke asked:

I have just received what may be a fraudulent letter from what they claim to be Lloyds TSB ( pic 1 )with the Lloyds letter head paper but the address at the top right is for 2 DCA offices (pic 2 ), on the top left was a code made up of a mix of numbers and letters and next to that a QR code and below the address a bar code also bottom right coded numbers and letters ,

The letter contained details of another DCA as SCM have backed off for now ,, come thursday SCM & Lloyds will get letter 3 and once the scammers (Akinika ) write out they will get letter 1.

On the envelope on the back it has a return address as

PO BOX 8743
BELLSHILL
ML4 3WU

when i goggled it it came up with a company called Mackenzie Hall another DCA ,, so this letter is linked to 4 different DCA’s

What do i do about this letter , do i contact Lloyds or when im sending letter 3 do i mention it , Advice plz if you can

thanks in advance ,,,,, Duke

mareo replied:

http://www.legislation.gov.uk/ukpga/2006/35/contents

Fraud Act 2006
You are here:
2006 c. 35Table of Contents

and then

https://www.gov.uk/make-money-claim-online

or

http://www.cps.gov.uk/

or

http://content.met.police.uk/Site/fraudalert

thinwhiteduke replied:

http://www.legislation.gov.uk/ukpga/2006/35/contents

Fraud Act 2006
You are here:
2006 c. 35Table of Contents

Thanks Mareo, before you posted i called the 0845 601 0521 Blair Oliver & Scott Ltd and got a recorded message saying it used to be Blair ,,,,,, and transferring me to a company called retail recoveries so i started to quiz the woman who answered and it took her a bit of time to decide what company she worked for , ” recoveries ,, retail recoveries,, Halifax banking group, RBS ,then i hit her with the letter from Lloyds she then claimed she worked for Lloyds amazing i said thats who im looking for , she kept asking for the account details that i refused then asked her why i had the letter she then passed me on to someone claiming to be from LLoyds same shite from him he worked for everyone and the latter was not fraudulent he then passed me to some guy in Belfast called Mathew and guess who he worked for ,,,,, Lloyds fraud office and then asked me for the debt details which was amazing how he knew it was debt so i asked him for his details and a contact number which he gave me so gave it 5 mins and called and guess who answered ,,, Mathew amazing i said a big company like Lloyds and only one guy for fraud, at that point i got board and hung up ,, so who the F&*k are they , i never gave him any details at any point ,, I wonder if Lloyds the real Lloyds know what these guys are up to . so now i will look into the posted links Marreo posted cheers ,,,,

Faljay replied:

Oddly enough, after a bit of checking, I found Paul Cameron is the senior manager for debt recoveries at Lloyds and the Lloyds fraud office is located in Belfast. So maybe this isn’t fraud and perhaps this guy Mathew gave you his personal office number. I’d ask to see a notice of assignment from Lloyds to verify they have passed the debt on to Akinika. Then you’ll know one way of the other.

Take Care. 😀

thinwhiteduke replied:

Oddly enough, after a bit of checking, I found Paul Cameron is the senior manager for debt recoveries at Lloyds and the Lloyds fraud office is located in Belfast. So maybe this isn’t fraud and perhaps this guy Mathew gave you his personal office number. I’d ask to see a notice of assignment from Lloyds to verify they have passed the debt on to Akinika. Then you’ll know one way of the other.

the letter is definitely fake , the address is for DCA blair oliver & scott ltd and you can tell by looking at it , a pish poor attempt to copy

Faljay replied:

You do know Blair, Oliver and Scot are Bank of Scotland’s in-house DCA, which is in turn owned by Lloyds TSB?

mareo replied:

Think leister is compiling a pdf file on all these interlinked phantom companies, will be a useful tool, very useful indeedee 😀

thinwhiteduke replied:

Faljay, no i did not , and according to the message it used to be them but now they are called retail recoveries ,, seems more laws are being broken by them than any one else , the one person works for 5 company’s ❗ 🙄

i have visions of them sitting saying hold on and they change there hat ok now im with blair ,oliver oops sorry wrong hat im with retail recoveries 😆 😆 😆 😆 😆

Faljay replied:

😆 😆 😆

Must get damn confusing 😆

thinwhiteduke replied:

mareo, money claim ???

Faljay replied:

Yep, money claim. 😆

thinwhiteduke replied:

Damn England and Wales only but not for Scotland,, they do like to make things hard

Faljay replied:

What about small claims court? Is that available up there?

😀

thinwhiteduke replied:

yes, but a claim for damages because some debt company sent a forged bank letter ,,, i have no idea were to begin with that ????

fletch70 replied:

It is not a mass conspiracy

Blair Oliver Scott were the inhouse DCA of Bank Of Scotland (spot the initials) . They stayed the inhouse DCA when HBOS was created (Halifax Bank Of Scotland Group) . HBOS are now part of the lloyds banking group.

From what I can see that postcode is not the postcode for MH who are a KY postcode but that of a mailing centre i.e a firm who print and mail 100’s probably 1000’s of letters every day.

Document Outsourcing Ltd
PO Box 8743
Strathclyde Business Park
BELLSHILL
ML4 3WU

The DCA that are referred to used to be called Iqor and HBOS did used to use them so I see no reason why they wouldn’t use them now. They are in Preston lancashire. They have not been assigned the debt just asked to collect it.

There is no fraud in place here although if you are paying the debt off i would continue to pay Lloyds or whichever part of the group you were dealing with.

thinwhiteduke replied:

@ Fletch70

Only Lloyds TSB can send letters with headed paper any DCA who claims to be someone they aren’t and use headed letters and not even the correct letter head is committing fraud by claiming to be Lloyds TSB when they are not .

As for the alleged debt, once they produce proof that this debt exists and i am in fact the one that owe this debt then i will pay them the full amount, but until then the letters go out to them……

Duke

fletch70 replied:

If they are owned by the banking group they can use the letterhead or if they have been given permission they can.

I get what you are saying about proving you owe the debt, I have done that with all my debts but lets not look for a conspiracy when there isn’t one

thinwhiteduke replied:

@ Fletch70

goggled ML4 3WU and see results below i see MacKenzie Hall

thinwhiteduke replied:

I will need to contact Lloyds and ask them if they gave permission and also ask them if a letter is unsigned does that mean it does not exist ????

mareo replied:

It IS fraud simple as, even with permission, those ‘granting permission’ are just equally responsible in the fraud, as they are permitting another to claim something they are not, fraud act 2006 check out the definition of same 😉

fletch70 replied:

We will have to agree to differ. I await to see a conviction.

As far as I can see the debt is still owed to Lloyds

mareo replied:

what debt is that?

thinwhiteduke replied:

Alleged Debt

thinwhiteduke replied:

Fletch your starting to sound like the person who sent the letter

fletch70 replied:

Ok so if you believe that there is no money owed to Lloyds then that is where you should start. Why do you think there is no debt?

If it is because you never borrowed the money then quite rightly get it sorted

If you think that they have not followed the correct procedures and have not complied with the CCA then again investigate that and dispute the debt on those grounds

If you believe it is statute barred then tell them and use the law to stop them chasing you

If you have no money and can not afford to repay the debt then tell them that (without acknowledging the debt)

All you have said on this thread is that you have received what you think are fraudulent letters, I gave reasons as to why it is common industry practise. I also gave you some background as to who the main players were based on my experience and google searches.

IF you are sure that the letter is fraudulent then report it to the police

What breach of the fraud act do you think has been breached….abuse of position, misrepresentation?

If you want good accurate advice you need to lay out the details rather than just making a blanket statement of its fraud

Faljay replied:

The whole point of this is that the banks, CC companies create the money from your signature. It never existed until you signed an agreement, therefore it is not real money, only numbers in a computer, so there can be no debt as it never existed in the first place.

I cannot understand why you are disputing the methods on GOODF, unless perchance you are a spy for the banks, CC Companies? Or that you do not agree with the methods used here? Either way you are creating negativity, which is counter-productive to our aims here on GOODF.

fletch70 replied:

I am most certainly no friend to anyone in the financial sector.

I have been the drowning man who would clutch at any straw and did indeed clutch at some sinking ones. I am always open to new ideas and changes in the law

I do not want to be negative just to help people find ways that give the best chance of success. Is it wrong to expect people to enter the process with eyes open. Like many people I understand the concept you are talking about of money being created and I think I am with you on that. What worries me is when people make completely off the wall comments without one iota of evidence as in this post. The actual address is a mailing address and not MH at all. Blair Oliver Scott are part of the lloyds banking group. It just seems people are looking for things that just aren’t there.

With regard to the basic tenants of freemen i.e do no harm etc then I believe it is a very valid and good code of ethics to live by.

Going to the sucess stories, well your first two were achieved with a different method, good for you. It is also great when a DCA passes the account back. What I like to see is evidence that the process works to completion . Examples may be a court decision in the defendants favour .

Recently there was a case where Lowells have closed a case although claiming that the money is still owed, great news . Legally even a statute barred debt still exists (in England and Wales) but is unenforceable .

I can not and will not accept facts on the face of it hence I am agnostic in religion . I am curious as what the pivotal moment was in your belief . Why did you go from using the CCA to believing that the 3 letter process is the way forward

Faljay replied:

Hi fletch 70,

Firstly i would like to apologize if I offended you in any way, as you have made your convictions clear.

I had no idea GOODF even existed when I began my struggle to become debt free, and researched all I could. Learning of the CCA approach, I applied it and, amazingly and surprisingly, won. However, the rest of my alleged debts would not go away and then I stumbled on GOODF. After reading the success stories and everything I could, plus viewing the videos, I realized I knew nothing in relation to the production of money and debt. Encouraged by the success stories and the way the system worked, I decided my best option was to go down the letter process. So far it has proved to me that the DCA;s and even the OC’s will lie and cheat to get what they want. I am still fighting and have discovered, in my case at least, that they DCA’s chasing me have nothing that can compel me to cooperate with them. Like everything, though, this is still a learning curve and a challenge I savour, in the hopes of finally becoming debt free.

Thank you for explaining your own position, it was enlightening and encouraging.

Take Care. 😀

thinwhiteduke replied:

Hi Fletch,

may i ask why you picked my post to have your say about companys sending fake letters as i see last week on a post you commented on they also posted about fake letters from DCA’s and you never jumped down their throat was it because that post had more experanced members posting on it, i may not be up on everything on this site but im trying i may not be as well educated as most people on here but i try, so if i do make an error in judgement about anything a simple shove the right way is more than welcome and if this subject is your expertise then please feel free to shove but in saying that even someone that is as bright as a 2watt light bulb can tell that letter is a fake and as i said before a pish poor one at that .

and the post was General, Credit Cards, Advice please, Iansewales .

fletch70 replied:

I am sorry you feel that i picked on your post because you were new. If you look I have only been a signed up member on this forum for 8 days myself so I doubt that I was even here when that post was put up.

I ask why you think it is fake?

The company that sent it out prints letters from their clients and also scans replies back to their clients. The address seemed correct for Lloyds and I think it was you that said the name at the bottom was correct.

You also mentioned blair oliver and scott which I tried to explain were part of halifax which is now part of the lloyds banking group. What you need to remember is that these companies often have several trading names all legally registered. In fact they change hands so frequently that it is difficult to keep up.

I will give you another example, there is a debt buying group called Hoist that last year bought Mackensie Hall and then the Lewis group. The lewis group had a part of it called CL finance . Sometimes a debt buyer like hoist will buy a debt then ask lewis to collect it, who ask cl to collect it , later it is passed to MH. They are all the same company and it is designed to confuse us.

Where the law stands on NOA’s is that you have to be told but it doesn’t actually matter who tells you, the original creditor or the new DCA.

Sometimes the OC will give the DCA’s permission to use their letterheads to print off letters. Non of this is fraud as in this case Lloyds still own the debt.

If you did not borrow the money then all well and good and you tell them that and require them to prove it.

I am waiting to so see some convincing evidence of the truth that the notion of money being created by a signature and therefore doesn’t exist which means you dont owe it. What is needed is some court rulings that say this is the case.

What I don’t want is anyone getting caught by the legal system because they do not fully understand the law or the consequences.

It was absolutely nothing personal. I will go and look at the post you mentioned

fletch70 replied:

I apologise

I see I did post on that thread however at that point it looks like Ian had taken legal advice . If he had taken the legal advice suggested then I would not have wanted to interfere .

Quickly reading the thread it does look like a poster had said something about don’t believe they are fakes so there wopuld have been little point in me saying the same.

I happen to know that the lawyer in question has this week won another important case regarding S75 CCA . If you want a link to it I can provide one

thinwhiteduke replied:

Letter 3 sent out today

mareo replied:

Nice

thinwhiteduke replied:

I have just received a letter from another DCA Akinika and i have already sent out letter 3 to Lloyds and SCM although SCM referred it back to Lloyds , i don’t want to start the 3 letter with this new player , what else can i do ??

scrooom replied:

did you get to estoppel them yet/ If not you should done so it seems. Then you bill these idiots.

Faljay replied:

You need to inform them that Lloyds is in tacit, which includes agents, so they are effectively in tacit as well, – sending a copy of tacit if need be – and along with Lloyds, you will be billing them as per your enclosed fee schedule. For further information, they should contact Lloyds.

Take Care. 😀

thinwhiteduke replied:

Tacit ? is that letter 3 ? excuse my ignorance

Faljay replied:

Correct 😀 And as such, you can now bill them and the DCA as they’re acting as agents, so culpable.

Take Care. 😀

thinwhiteduke replied:

i copied this from another forum on here and edited it , what do you think

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the Lloyds TSB and SCM and has been since 8th January 2014. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

My last letter from SCM was 15th January 2014 and intimated that my complaint would be sent back to Lloyds, this obviously hasn’t happened. As Lloyds TSB are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE and Lloyds TSB are in tacit, which includes agents, so Akinika as agents for Loyds TSB are effectively in tacit as well,

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

Now I would respectfully suggest that this account is returned to Lloyd s TSB for resolution of these defaults and breaches, as Akinika cannot lawfully pursue any enforcement activities.

If Akinika chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

I hope that this will not be necessary and an acceptable solution can be accomplished.

I would appreciate your due diligence in this matter.

Yours sincerely,

By:

By: Sovereign ,,,,, of the family: ,,,,,,,,,,,,
Authorised Agent and Representative for …………………….

Faljay replied:

I have made one minor change, otherwise this is excellent, now post it.

Take Care. 😀

thinwhiteduke replied:

3rd letter delivered and signed for on the 30th the clock starts 40 days

will keep you posted

thinwhiteduke replied:

Ok Lloyds never waited long sent this letter below seems they never looked at the second page to see it was not the exact same but informing them what they never done , send what i requested nor did they send a cheque , although they did send me a leaflet on the Ombudsman service but they would not cash that so i feel it is only fair that i send them an invoice or should i let this one go and start my 40 days again ??? ………

Faljay replied:

Hi,

No don’t bother to restart the clock, just estoppel on the day you should, and if you wish, send a Notice of Estoppel in with your next letter, informing them when they are to be estoppled.

Take Care. 😀

thinwhiteduke replied:

Got this from Lloyds yesterday dated the 18th and postmarked 19th , and im at a bit of a loss as the letter ( Estoppel and section 10 ) they refer to was signed for delivered on the 19th march so how could they acknowledge a letter before it arrived ?.

must have hit a raw nerve

Faljay replied:

I have to say that is more than a bit odd. But don’t bite and report them for fraud to the Financial Conduct Authority, who come online on 1st April. Don’t contact them, just report them and be done with it, as they are just p*ssing you about now.

😀