Is there a contact number for the LLoyds TSB CDR Data Quality Team??

Got an issue with defaults they have placed on my credit file, would rather speak to them than right a letter which will probably get ignored anyway.

no the best way really

better to keep a paperwork trail

dx

I have decided to write to them. Is this letter ok would you say?

Towhom it may concern,

Iam writing to you as I was recently checking my Experian credit fileand I noticed something on the 3 accounts I hold with yourselves.

Ibelieve the default dates are either

a) wrong or

b) unfair.

In 2009,I started a Debt Management Plan as suggested by one of yourcolleagues when my employer had to reduce my hours at work from 45 to30 per week which was completely out of my control.

I have detailedbelow the accounts, default amount and default dates.

CreditCard - account number- £971 - Default Date29/03/2012.

Loan- account number - £3544 - Default Date 10/02/2011.

CurrentAccount – account number - £231 – Default Date 17/02/2013.

Istarted the Debt Management Plan on 01/12/2009.

I was making reducedpayments on all of my accounts with yourselves.

I believe I actuallybroke the credit agreement by making these reduced payments andshould have defaulted mid 2010

and I would now be in a position wherethey would have been off my credit file in roughly 3 years.

Iam now in a worse position than if I had just ignored the debt (whichwould have been more beneficial to my credit report).

I feel I havebeen punished for actually trying to pay off my debts as if I hadignored them I would have defaulted long before the dates that youhave defaulted me.

Thesedefaults being added in 2011/2012 will now mean it will be 2018before I am even able to begin to rebuild a credit report

and meansthat my life with my partner will be virtually impossible in gettinga mortgage etc.

Iwould appreciate if the default dates could be changed to 2010 asevery other creditor defaulted me during that year

so I don'tunderstand why Lloyds TSB is any different?

I aim to get these debtspaid off by 2014 as I am increasing my monthly payments to StepChange.

If you feel these default dates are valid then maybe as agesture of goodwill they could be changed to reflect when I wouldhave defaulted if I had ignored the debt.

Thankyou for taking the time to read this letter. I would appreciate it ifyou could investigate this for me and I shall await a response.

YoursSincerely,

DanielFleetwood.

urm...

i'd send evidence of the other creditors being in the plan

and a copy of your CRA file.

in all truth.

a creditor can default you at anytime during a DMP.

what markers have you on the cra file for lloyds on these account for the time of the DMP start?

dx

Same as the other creditors - AP.

Surely I still broke the original agreement as soon as I started making reduced payments? Don't you think 2012 seems harsh when I started DMP in 2009? I would have been better not acting on the debt and took the default in 2010 anyway. This is my argument.

correct.

post them the proof

lets see what they do

dx