Can they close an account with Debt then state it was an error?

[TheUnknown]

Hi, Sorry if this is in the wrong section.

I was wondering if theres someone who knows about Lloyds TSB and if they can close an account and then re-open it.

I used to have an American Express Credit Card with Lloyds TSB, but I lost my job and called them to inform I couldn't make any payments for a while untill I sorted my finances out. They informed me that this was ok and they said it would be put on hold. About 2 weeks later, I recieved a letter from a Debt Collection Agency threatening me with court action if a payment was not made. I contacted Lloyds TSB again, and they assured me it would be put on hold. Lo and Behold, a couple of weeks later, more letters. I contacted Lloyds again and they said they couldn't talk to me as it had been passed on. Since then I have recieved a couple of letters from Lloyds TSB and Dept Collection Agencys, but then I've not heard anything untill February.

*edit* when I had the card it was in 2005 *edit*

In February this year I recieved a letter that said,

"Dear ********

Product Name: Airmiles Duo
Account Number: *********

We acknowledge your reciept of your payment of £0.00 which clears the ammount due on your account, subject to clearance by your bankers if appropriate.

We should be grateful if you could ensure that all paying in books in your possession are destroyed and that any standing order that have been set up in respect of this repayment are cancled with immidiate effect.

Your account is now closed on our records and we confirm that no further action will be taken with regard to this matter.

Your Sincerely

*signatue*
Managers Assistant
Consumer Debt Recovery"



It was great to recieve this letter.

But then I recieved another letter in March saying,

"Dear *******

Our Client: Lloyds TSB Bank PLC
Re: ********
Account Number: *************

You may have recieved a letter from us recently stating that the above account has been closed, and no further action will be taken. However this letter has been issued to you in error and you still have an outstanding balance of *******

Therefore, if you are making monthly re-payments to clear this balance, please continue as normal. If you are not making payments towards the outstanding balance, one of our agents will contact you shortly.

Please accept our apologies for the error made.

Yours Sincerely
*signature*

Consumer Debt Recovery
Managers Assistant"


It would be great if someone could help me.

Thanks

[F_DCAs]

No.

If they've closed an account without issuing a default notice, or a termination notice, then it's an unlawful termination.

And they can't just re-instate the account - whether it was shut down in error or not. Once it's closed, it's closed.

[TheUnknown]

Thanks for the reply

[*WelShIeGaL*]

Hey there, when i first read this I thought 2 things...
1st...... I thought that there may have been an accidental clearance of your balance, where someone else has paid their card and the details(card no.) have been put in wrongly,resulting in payment going to your card,and then its realised and that orig' payer has called back the payment your card again had a bal???
2nd..... thing i thought is (and this can be any kind of acc weather it bank,catologues,anything) but basically when we start recieving letters from a debt collection agency its because the debt we had with the once said company has been sold,you then no longer actually have an outstanding debt with that company. (the debt companies buy the debts and they then go after the outstanding bal,and even the debt ag' sell them on sometimes...ever recieved letters from agency only to then months later start recieving letters for the same acc bal outstanding but a different agency now collecting it!)
I know its alot of money but I would pay the 10 quid and request all the info they hold about you...''DATA ACCESS REQUEST'' this will hold everything,letters sent to & not to you, letters to any debt company about you you name it anything. And is prob's going to give you the best/only ans to qu: giving you the option to take it from there. If you do decide to this let me know an I can give you the address you need to make the request to.