Ill start by stating i have never had any dealings with Lloyds Bank in my life but they have registered accounts on my credit report.

There is two accounts on my file one mortgage for an address which is not mine and also a credit card again which is not mine.

The mortgage is in serious arrears and the credit card is listed as defaulted.I am also receiving debt collection letters.

I have had problems with Lloyds in 2010 - 13 where they also had a CCJ against me.

They also sent a letter from there solicitors to my address stating i was a fraudster. (see attachment)

I managed to get things erased from my credit file eventually through a lot of hard work , and eventually i went to the newspapers and FOS who helped me sort it.

I received a disgraceful amount of compensation for what they had put me through and now they have managed to wreck my credit file again.

I have sent SAR off and i am awaiting response.

Again this is for a person with the same name and DOB as me but this person has a middle name and i do not.

Any help or similar experiences with this kind of thing would be good to know so i can again chase them.

Thanks.

Sorry attachment here from mentioned above.

see my other links

https://www.consumeractiongroup.co.uk/forum/showthread.php?488056-Barclays-default-not-mine-!!!&p=5129009#post5129009

Lyons Letter.pdf

HI Luco - This sounds to me like you need Lloyds Exec team to deal with. Id email the CEO

Go to CEOEmail to get the email address. IUf you need help drafting something - Please do let us know.

You could be due a big payout as this will affect your credit file!! Can cause higher APR Rates and reduced credit limits on cards...!!

FKO

I'm sorry but I don't think this is at all suitable for an email to the CEO. I understand that there was an exactly similar problem with Lloyds about seven or eight years ago which was eventually resolved after a big struggle, a decision from the FOS and some kind of court action.

Now Lloyds are doing it again. Last time Lloyds got away with a desultory compensation.

I think this needs to be done formally rather than letting them deal with it in-house.

I think the best thing to do is wait for the SAR and then start making formal complaints in various places.

Hopefully this will clarify how the CRAs work , i have posted here a couple of paragraphs from my letter i received off Experian about Lloyds , i have also attached the full letter for those who have PDF reader, which i would advise reading.

“As we have advised in previous correspondence, the companies who provide the credit reference agencies are the ones who are ultimately responsible for the accuracy of the data they send to those credit reference agencies”

"As previously advised, any instance of Experian providing your address or any other address to a company as a 'POSSIBLE' address for there creditor would have been on the strict understanding that they take the appropriate steps to ensure they have established that their creditor does indeed live at an address before linking them with it"

Thanks.

Experion FOS letter1_1.pdf

Experian FOS letter2_1.pdf

I'm sorry but I don't think this is at all suitable for an email to the CEO. I understand that there was an exactly similar problem with Lloyds about seven or eight years ago which was eventually resolved after a big struggle, a decision from the FOS and some kind of court action.

 

Now Lloyds are doing it again. Last time Lloyds got away with a desultory compensation.

 

I think this needs to be done formally rather than letting them deal with it in-house.

 

I think the best thing to do is wait for the SAR and then start making formal complaints in various places.

I will definately be waiting for the SAR before proceeding thanks.

Just an update to let everyone that is following this thread know whats going on so far, Lloyds like all of the banks i have dealt with have requested a further 60 days to produce a SAR. Ill post again in September.