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frazer85

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Everything posted by frazer85

  1. thanks again is it not just best for me to set up a payment arrangement with them for what i can afford?
  2. many thanks matei think that it is just the in house debt collecters but do not want them at my door so wanted it sorted a.s.a.p
  3. can anybody plse give me some advise on debt collectors once you have got a letter from them (demanding the whole amount)if i call them and arrange to set some form of payment arrangement will they do this??thanks in advance
  4. can anybody help or give advise on my last 2 messages please thanks in advance
  5. here is my situation lloyds sent me later saying that 750pound good will payment will be in my bank account within 10 working days yesterday in 1 of my accounts there was a payment in there for\292.50p which is the full amount for that account. just wondering why they did not just put there rest of the 750 good will in or will the rest go into my other account if so does anybody know why.
  6. really need some help please i need to get in touch with somebody at lloyds tsb regarding my charges/refund the number they have given me is 01264725214 and when ever you ring it it just says we are to busy to take your calls. please help
  7. please can i have some help? lloyds have put 750pound in my bank (i onky just opened the letter) my claim is for 1150pound do i give them the 750 back
  8. hi just an update still not had any replie from them is this normal and i am now going to send of my letter before action and is that correct if so where do i find this letter:confused:
  9. yeah thats what i will do thanks was just getting a little worried as heard they shut bank accounts down so thought they might close down a loan
  10. that's what i was thinking its just on the post it seems like they have done that to somebody or maybe i am juts mis reading it thanks alot
  11. i have a loan with lloyds tsb that i took out to pay off my overdraft and credit card i have read the terms and conditions of the loan and in there it does not say anything about making me pay the loan off, if i get my charges back will they make me use the money to pay of my loan and can they beacuse the way i am reading terms and conditions they cant?
  12. i have a loan with lloyds tsb that i took out to pay off my overdraft and credit card i have read the terms and conditions of the loan and in there it does not say anything about making me pay the loan off, if i get my charges back will they make me use the money to pay of my loan and can they beacuse the way i am reading terms and conditions they cant?
  13. did you manage to open another account?
  14. THANKS AGAIN last of all where is the best place and who to send it to cheers
  15. cheers for all your help when i send that form off do i write a letter with it?
  16. i have now got all my bank statements gone through them all and got all the charges writen down i understand that there is a form you put them on i am completly lost now can somebody please help me thanks in advance
  17. well yesterday morning i got a few letters with statements in them and also a nice letter from them saying the understand the reasons why i am claiming back the charges etc.. and if there is any more they can do contact them on etc.. etc.. (there is something they can do give me my money back ha) is that the normal letter they send out then
  18. hi i sent my letter requesting my statements on the 7th of febuary still nothing now any advice please
  19. diamond mate thanks. last thing what happens if they say no and i miss the payment for this month but carry on paying it the month after? cheers
  20. do you know if that is something that loan companys tend to do and thanks for the advice
  21. hi all i have a loan with the abbey national which is for £260 a month i am really going to have a problem paying this month (as i do not have the funds due to being and idiot and not paying my council tax and now having to pay it) does anybody please have some advice on weather i can speak with the abbey and not pay it this month as of the situation i am in or just any advice would be great please. thanks alot
  22. Thanks You So Much For All You Help I Was Under The Impression That I Was Just Going To Have To Pay All Of The Money Now Or My Tv Etc.. Was Going. Do They Have To Send Prior Warning If The Collecters Are Comin To Take My Things?? And Thanks Again
  23. This Is All Much Needed Advice And Many Thanks For It All. I May Be Sounding Very Thick But Was Wondering How The Debt Collecters Will Be Aware That This Is In Dispute? Cheers Again
  24. many thanks for that do i call them as worried if i do not make contact they will send collecters round or something this is all very new to me debt collecters and find it very worrying thank you
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