Soldato
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- 31 May 2009
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- 21,257
I believe this to be the case, and indeed, the whole thing screams scam if you didn't have such an account in the first place.
Just been told of a 20 year old “debt”
- Thread starter Scania
- Start date
I believe this to be the case, and indeed, the whole thing screams scam if you didn't have such an account in the first place.
Me too, I couldn’t get an old statement from NatWest that was over 8years old a while back despite the same account being my current account in daily use so I really don’t see how they’ve got anything related to Lloyd’s from 20years back.
Interesting, cheers.
Associate
The domain of the company that is asking for assistance was only registered 47 days ago which means is stinks massively of a scam
About a year ago I had a debt company, Moorcroft debt recovery leave me a message on my phone saying I had a debt and could I contact them. I was pretty shocked and was trying to figure out what debt I might have had before I called them.
Whilst I was trying to figure it out, the next day they called again and i asked them who the debt was from, they said British Gas. I said I've never been a customer of British Gas and if they had anything further to say put it in writing. That was the last I heard from them.
If the debt is genuine you can always contact Lloyds yourself and ask them if you owe them money. You don't have to deal with a debt company. Just have lloyds give you some paperwork to say you dont owe them anything, or if you do, pay it directly to them and get a receipt.
Whilst I was trying to figure it out, the next day they called again and i asked them who the debt was from, they said British Gas. I said I've never been a customer of British Gas and if they had anything further to say put it in writing. That was the last I heard from them.
If the debt is genuine you can always contact Lloyds yourself and ask them if you owe them money. You don't have to deal with a debt company. Just have lloyds give you some paperwork to say you dont owe them anything, or if you do, pay it directly to them and get a receipt.
Soldato
Scam. If you didn’t have a Lloyd’s accounts tell them to do one. Wouldn’t waste any time on it.
It’s very close to when Lloyd’s would have been lloydsTSB
It’s very close to when Lloyd’s would have been lloydsTSB
Man of Honour
Contact these and say you think you are being scammed - https://www.lloydsbank.com/help-guidance/protecting-yourself-from-fraud/contact-us.asp
Permabanned
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- 9 Aug 2008
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Now this is something I never thought about doing but will do in the future if anything happens like this to me. It's 6 years they have to get the debt off you, after that you owe nothing.
Soldato
This is incorrect, and without being rude it's false info like this that perpetuates around internet forums because people post it because they heard it from someone else on the internet and then people get into trouble.
https://cleardebt.co.uk/debt-help/debt-help-guides/out-of-date-debt
Big difference - you can most certainly be pursued for a debt after 20 years if the limitation act doesn't apply to your situation. Now we know in Scania's case that he's not in Scotland, and that he hasn't had contact about this debt before so he should be safe under this the Limitation Act. However as someone mentioned earlier, what's to say if they got hold of a recording of his voice when he calls, or a copy of his signature so they can then falsify that they had had contact within successive 6 years periods. These debt companies are hardly squeeky clean and as someone mentioned the website for this one was only registered less than two months ago. Be very careful!
Permabanned
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Well that's something I never knew. I always thought it was 6 years. Just say you don't recall been with them.
Thanks, very helpful.
They certainly seemed genuine when I spoke to them, no mention of payment and they said they were not in full possession of all details which I found interesting, hence the two weeks before they said they’d be back in touch.
I’m ready though for whatever ploy follows next, it seems pretty open and shut to me, I’ve no record of any Lloyd’s debt, never had a Lloyd’s account certainly not 20years ago and after making a conscious effort over the past few years to make sure anything in my credit file that would cause me a problem was rectified, I don’t see how this has been missed.
Just paid for a detailed report and I’m showing nothing for Lloyd’s whatsoever.
The one thing I’m struggling with is a definitive view on statute if a barred debt which is an overdraft is eligible for being statute barred as such.
Looking forward to their correspondence, might end up having some fun (or a headache) with this....
If you don't have a CCJ don't worry about it.
Anyone can call themselves debt collectors. Only if they are enforcing a judgement should you be worried.
If it's taken 20 years, doubt there is any kind of judgement. As someone earlier said, they buy old debts for close to nothing and then try to scare people into paying.
Anyone can call themselves debt collectors. Only if they are enforcing a judgement should you be worried.
If it's taken 20 years, doubt there is any kind of judgement. As someone earlier said, they buy old debts for close to nothing and then try to scare people into paying.
Soldato
Its an obvious scam to me. Not something i would have persued. Especially after being told its 20 years old!
Caporegime
Maccy on point :fist bump:
Did you ever have a TSB account? Lloyds and TSB merged in the 90's but when they split up in the 2010s they simply shared out the customers between themselves instead of dividing them back into Lloyds/TSB customers.
I wouldn't be proactively contacting anyone about this really. Let them pursue you. Set up a throw-away email address and if they contact you again insist on receiving everything by email, to that address.
If they don't have an address, and you give them one, it's easier for them to start legal proceedings.
Where the Limitation Act applies, a Claimant can still make a court claim, but it's a valid and complete defense to argue the debt is out of time.
If they don't have an address, and you give them one, it's easier for them to start legal proceedings.
Where the Limitation Act applies, a Claimant can still make a court claim, but it's a valid and complete defense to argue the debt is out of time.