How To Eliminate Debts » Lloyds TSB http://www.howtoeliminatedebts.co.uk A resource for anyone struggling with debts Tue, 01 Jun 2010 15:27:43 +0000 http://wordpress.org/?v=2.8.4 en hourly 1 Received A Letter From MHA Collections Regarding Lloyds TSB Platinum Card http://www.howtoeliminatedebts.co.uk/2009/11/received-a-letter-from-mha-collections-regarding-lloyds-tsb-platinum-card/ http://www.howtoeliminatedebts.co.uk/2009/11/received-a-letter-from-mha-collections-regarding-lloyds-tsb-platinum-card/#comments Thu, 26 Nov 2009 11:09:46 +0000 TC http://www.howtoeliminatedebts.co.uk/?p=71 Today I received a letter from MHA Collections on behalf of Lloyds TSB regarding my Lloyds TSB platinum mastercard which has been in arrears for quite a while.

The letter statest that they are seeking payment from me to recover the arrears, currently over £1,000, as I have failed to respond to Lloyds TSB’s requests for payment. This is not entirely true, as with all of my creditors, I never shy away from answering their calls or informing them of my situation.

I have written to Lloyds TSB and informed them that I cannot afford the debt, I have even offered them a full and final settlement on it as I cannot imagine I will ever be able to afford the debt on my current earnings.

In this letter, it states that if I do not immediately forward a payment to Lloyds TSB, Sechiari Clark and Mitchell (solicitors) may commence legal proceedings against me.

According to the Law Society website, these solicitors are not registered, they have no results for them in their database of solicitors. According to the Solicitors Regulation Authority website, they have no record of this solicitors firm either. This makes me a bit suspicious, are they a real solicitors firm or are they just debt collectors pretending to be solicitors?

I would have thought that in an area of business that is regulated such as law is, the two main bodies that keep a register of regulated law firms should have this firm listed on their website. I’m happy to be proven wrong, but at the moment I cannot find any trace of this firm being a genuine solicitors firm.

Just as a bit of a sanity check, I searched for the solicitors firm that I used for my divorce and found them listed in the Law Society website, so the search facility does seem to work and contain useful results. I have sent in a request to the Law Society for them to put my fears to rest that the law firm does actually exist, so I should get a response from them soon.

I will update with a follow up to this post when I hear back from the Law Society.

Related Pages

]]> http://www.howtoeliminatedebts.co.uk/2009/11/received-a-letter-from-mha-collections-regarding-lloyds-tsb-platinum-card/feed/ 1 Lloyds TSB Phone Call To Chase Payment http://www.howtoeliminatedebts.co.uk/2009/11/lloyds-tsb-phone-call-to-chase-payment/ http://www.howtoeliminatedebts.co.uk/2009/11/lloyds-tsb-phone-call-to-chase-payment/#comments Mon, 23 Nov 2009 11:31:37 +0000 TC http://www.howtoeliminatedebts.co.uk/?p=65 I had a rather cryptic phone call this morning from Lloyds TSB, regarding a credit card I have with them. They left a voicemail asking me to call them back. It would appear that the letter I sent them a few weeks ago with an offer of full and final settlement has been completely ignored, and they are assuming that I will get the account back to normal.

I will continue paying them what I can afford – £1 a month – on a £14k debt, I can only assume that sooner or later they will start to think rationally and will reconsider my offer of full and final settlement.

Related Pages

]]> http://www.howtoeliminatedebts.co.uk/2009/11/lloyds-tsb-phone-call-to-chase-payment/feed/ 1