Hi All,

It's a quick question.

I took a credit card out with Lloyds Bank, then unfortunately I was made redundant. I went though their income and expenditure document to inform Lloyds and they put a hold on the card.

About 5months later they put a repayment plan in place and according to them, they sent a letter. I did not receive this letter and they made no other contact to me about this.

The bank said that because I had failed to pay the repayment plan, the account will be sent to another company.

My point is, if I receive nothing about a repayment plan, and the bank don't contact me about it, how can I be held liable for not paying a repayment plan I knew nothing about?

It's incredibly frustrating dealing with Lloyds Bank, they've been nothing but difficult all the way through. Soon as I got another job I contacted them to make repayments and they told me I no longer have an account with Lloyds so I can't pay anything right now and no-one would speak to me about the account.

I went through with the complaints manager who in his final letter he stated that he will uphold my complaint but then and the end of the letter he stated nothing will be done.

Anyway... My question was about the repayment plan, if the bank are using that against me to say that I didn't pay, surely they have to actually tell me about the plan so I can pay it, right?

Thanks

well immaterial really with or without the plan

you under the credit agreement you still had to pay them.

so its been sold to a powerless DCA?

Its an excuse put in place and the debt was /will be assigned....on paper looks like they have tried to treat you fairly before assigning the debt...ignore the DCA and save it for the day if a claim is ever issued.

Confirm the DCA once you have been informed.

Andy