Hi, finally received a reply from Lloyds after them giving me the run around and then the post office failing to deliver my recorded letter! Firstly they say their records show my account was not closed and left in debit balance. It clearly says closed on their documents. With regards to the added £1000+ debt they say "the account had authorised withdrawals by liaising with our recoveries department". They seem to be of the opinion that this is ok is that correct? Can a company I owe money to speak to Lloyds recoveries dept and get paid out of my 'closed' account instead of chasing the debt from me? Please help

Hello, I hope someone can help. I have received an e-mail from Payday uk in response to a letter I sent them asking for a copy of their default letter to me as I don't believe I ever received one. The e-mail states that they do not issue default notices as it is already stipulated in the t&c's of the loan agreement. If the t&c's do in fact contain that info are they correct that they do not have to issue a default notice? I will be requesting a copy of the CCA and a statement of the account as I have had no contact from Payday uk in a few years but wish to pay my debts off while I can. Any help would be appreciated. Thanks

Great I'll keep you posted. Thanks again for your help

Thanks, I will get onto it now. Should I include photocopies to illustrate?

No and my parents still live at the original address. I can't alter the images at the moment as I'm using my noble in work but will do it tomorrow.. Thanks

Last one

Hear are photos from the SAR

I moved about 5 miles away in August 2012

Hi Brig, no to be honest I didn't follow up the instruction. The cheques added to balance were not paid to the creditors prior to the account closure by me. I never had a cheque book and the SAR notes state that. In another section it shows them as TMS to Andover following undated letters whatever that means.

Thanks dx. Where do I go from here? Adjust the letter or start again?

Hi could you please tell me if this is any good?

I am writing to make a complaint regarding a current account I once held with Lloyds. After looking into applying for a mortgage, I signed up to Experian to view my credit report. I subsequently saw a default registered against me for £1391. I immediately filed a Subject Access Request as I could not understand how this had happened. Upon receipt of this information I was shocked to find the details of how this default has come about. In December of 2009 I made a conscious decision to try and rectify my financial situation as I was on a downward spiral. I spoke to a Lloyds representative to stop all Direct Debits and CPA’s from my account so I could renegotiate my payment terms with my creditors. There is no record of this in my SAR although the telephone records are so limited they are clearly incomplete. I left the account on December 16th 2009 with a nil balance. After that the following occurred: December 18th – Four direct debits were returned unpaid. December 21st – A transfer of £8.88 from savings account (by Lloyds) January 15th 2010 – A CPA for £15.00 was authorised February 1st – Returned DD charge for £60.00 February 08th – Four CPA’s authorised totalling £114.00 March 1st – Unplanned overdraft fees £75.00 April 1st – Overdraft interest charge £2.11 May 4th – Overdraft interest charge £3.84 June 1st – Overdraft interest charge £4.12 July 1st – Overdraft interest charge £3.55 and interest applied on account of 8p July 7th – Overdraft interest charge of £3.86 and 65p. ACCOUNT CLOSED with an outstanding balance of £273.25 July 13th – Default registered with a balance owing of £273.17 It is my defence that if the aforementioned instructions were followed none of the above would have been possible. I have since been told that the Direct Debits may not have been cancelled due to the close approaching date for payment. However, if I had been told of this at the time I would have credited the account with the amount to cover. If this was simply a case of a £273.25 debt, then with an arrangement in place this would have been rectified. The fact that a default was recorded I believe is unjust. If my instructions had been followed the account would have been made up purely of charges rendering this an unfair default as per FOS rules, and my credit file undamaged. Unfortunately this is not where my complaint ends. As I sought to uncover from where the added ‘debt’ had arisen I came across the following: AFTER THE ACCOUNT WAS CLOSED September 14th 2010 - Cheque added to balance £45.00 October 18th 2010 - Cheque added to balance £316.60 April 6th 2011 - Cheque added to balance £45.00 April 8th 2011 - Cheque added to balance £156.00 April 13th 2011 - Cheque added to balance £156.00 April 27th 2011 – Cheque added to balance £400.00 This took the total to £1390.77. My complaint is as follows. My instructions were not followed leading to an original unfair default of £273.17, made up primarily of charges. After the account was closed for at least one month and up until 9 months later, credits were given totalling £1117.60. Quite how any monies can be authorised from a closed account and for a sustained period of time is clearly unacceptable. To resolve the problem I request that my details at all Credit Reporting Agencies with reference to Lloyds Bank are expunged or at the very least shown a balance of zero owing. I respectfully allow 56 days in which to investigate the above issues and await a reply with your findings. Failure to comply will result in a complaint being made to the Financial Ombudsman.

Thank you I will get onto it straight away.

Thanks for the advice. I have found the name Alison Brittain on the net as a Group Director of Retail at Lloyds. anything in particular I need to include to ensure they take me seriously? I've never done anything like this before.

Sorry should have added that the £273.17 is made up from £60 returned direct debit charges £75 for unplanned overdraft £114 recurring card payments to payday loan companies which I asked to cancel, ordered a new card when told they could no longer use it if I did that The remainder is for overdraft interest charges. The balance on my account when I decided to stop using it was nil.