cMy credit file has taken a hit along with the Credit card company charging £890 intrest what should i do now please

Angel With regards to the DN my CAG Buddy has replied to my email with the following advice that may help you also. With regards to the Default notices you need to access a copy of you records ie Experian it costs I believe a £1. I think you can check your credit history on line, when you see there is default notice attached, you need to write to Experian and tell them that it is incorrect information registered against you, they then have to contact Lloyds Bank and take it off whilst there is a dispute ongoing. get a copy of your credit report, if they have put a default on your account then they are seriously at fault, and you do have some recourse, but we need to find out if they have wrongly put a default notice on your credit history. In a way It sounds bad, but it leaves you in a strong position in terms of them now being at fault. Don't worry (I can't for obvious reasons get your credit history) but you can get it the moment we find out that they have put any mark against your name (It can be taken off immediately) and we will send them a strongly worded letter putting them on notice that they are now in serious breach of your rights) It does put you in a stronger position in terms of going back at them and getting them to back down. I am not legally trained, so I can only advise on my previous experience but I have had some success in fighting the credit card companies and when they foul up they have a lot to loose. It may pay to write them a letter saying that they in breach for issuing a default notice in respect of your letter dated.......... and you are putting them on notice that you are looking to correct this information and take the matter further to the financial services ombudsman and report them to their governing body. It will back foot them if nothing else. But we can talk about that later. Hope this helps John

thanks angel i thought that when i sent the Non Compliance letter with the paragraph The lack of a credit agreement is a very clear dispute and as such the following applies.[/font] * You may not demand any payment on the account, nor am I obliged to offer any payment to you *You may not add further interest or any charges to the account.[/font] *You may not pass the account to a third party.[/font] *You may not register any information in respect of the account with any credit reference agency * You may not issue a default notice related to the account."[/font] Does this not mean that they cant issue a DN especially when they have acknowledged the fact that there is a complaint? best John

Thanks Angel 1 here is the links to the letters http://i580.photobucket.com/albums/ss247/johnsax/img007.jpg Lloyds DL letter Page2 picture by johnsax - Photobucket hope someone can help me i look forward to advice thanks

Angel 1 where would i find the telephone harrasment letter please all the best John

for some reason it says i can not post attachments does anyone know why that would be?:-|

thanks diamondgirl i will do that just trying to upload letters??

Thanks angel i have not zapped them yet thought it rude LOL suppose i should now just found out they have entred info to me on Creditexpert as a late payer should i send a letter telling them about the card being in default so they should not be entering this info? all the best Johnsax:rolleyes:

Hi angel could you advise me i have a truecall device i have sent my cca request and a non compliance letter i am getting 2 phone calls a day and texts and mobile calls do you think i should bar them on the truecall device?

Help please Update so far. Non compliance letter went of on the 16th March 2009 got a phone call on the 16th told them they were in breach of there contract and i was now in dispute and stated all the things in the letter. response "well that does not stop you paying the outstanding amount" :-? but said he would log he dispute and stop calling i have had calls nearly every day which i have ignored so far. could someone tell me how do i answer them?? |Next i get a letter from Lloyds telling me that they have logged the complaint and giving me a refrence number and told me they were dealing with it. Hmm still recieving phone calls and texts etc etc. Today i have recieved the following letter. Dear Mr ******* Thank you for your letter dated 16th march 2009 I'm sorry for the delay in responding to your request for documentation under section 78 of the consumer credit act 1974. Unfortunately, we have recieved a high volume of such requests, but i can assure you that we will respond shortly to your request. I hope this fully answers the points you raised with us. Please let me know if there is anything else i can do to help. If we cannot come to an agreement, i will provide you with details of the financial Ombudsman service so they can consider your complaint independently. As long as you are happy with the way i have dealt with your complaint, there is no need for you to reply to my letter. if i have not heard from you by 247 May 2009 i will close my file, although i will re-open it if you come back at any point afterwards. Yours sincerely etc etc Now where do i go from here can anyone let me know? this letter arrived today (Date mistake and all). Yesterday i got a letter Default Notice letter telling me to pay up or i go to court under section 87(1) of the consumer Credit act 1974 what do i need to do all advice would help best regards John

Decided not to pay them another Penny as they have been unreasonable to me over the last week or so. CCA letter went of recorded today yeha:cool:

Thanks Clemma

Thank you very much

Just about to send a CCA leter to Lloyds trouble is i have just had a call from them asking for £408 to bring the account up to date after i had already paid £200 this is made up of a few missed payments that escalated with 2.5% intrest on 15K card account. I'm a bit sick i am told that after getting the account back uptodate then my min payment would be £205 only but last time they did that Mid jan it ended up at £608 min payment so i paid £200 and still have £408. The question is should i pay the £408 before i send the letter??

Thank you

Hi Hammyhound could you please tell me where i should send the letter for the CCA

Hi can you let me know where you sent the claim to?

fine thanks again charlie, i have about 4 months over the 6 years all the rest are post 6 years so i will claim all back that i can trace cant get further back than jul 02 unfortunatly but total is now £5658.58. I just wondered should i now start a new thread calling it Johnsax-Lloydstsb??

Thanks Charlie that is reasuring, I am a bit confused can only claim charges back 6 years or can i go further back?

Thanks Scott

Charlie just done the online thing with lloyds banking it goes back to 01jul 2002 i did a search on charges going back to nov 2002 first SAR went out then took some time i cut and pasted the results into excel and i have come up with £5525.13 in charges andO/D interest can i claim all this back?? and how do i go about it as it is over the £5k threshold for the court? they also have taken £1450 on my busines accounts? robbin B'strds:shock:

THanks Jogs do you mean cancel the cheques? the man from the ICO said if the cash them it is illegal so i figure they won't bother anyway. cheers again i will send the other request also now't to lose but time. but i won't send the £10 i will just quote the cheque numbers if they ask for the tenner

Oh Dear i may have made a bit of a boo boo:( i sent the following letter "LloydsTSB Bank Dear Sir or Madam, Re. Account number: XXXXXX XXXXXXXXXX I am writing to request a fully comprehensive list of all the default charges for direct debit, unauthorised overdrafts and standing orders I have paid over the last six years. Please find enclosed a cheque for the maximum statutory charge of £10. If you are unable to provide this data, I will accept a copy of my statements going back six years; I understand that statements on their own are not covered by the Data Protection Act 1998, yet I’m not requesting the statements per se, but the charges, which I’m entitled to by law. If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form. I look forward to your response within 40 days, as Lloyds TSB Bankis obliged to reply under the Data Protection Act. If not I shall seek remedy from the Information Commissioner. Yours faithfully," I have set this letter for each account held i got the letter from MSE from what can gather i should just have sent a generic letter asking for All info on me. Result was info on 3 business accounts i believe ican't apply for these now due to a ruling Is this the case?? So i am waiting for info on the personal account. Should i now submit a Subject Access Request for my loans and Creditcard??? and send another £10 (Already mistakenly sent them 4 cheques for £10 each from parachute account). This is with the Halifax with the merger will this hamper me? do i need to find another parachute account? i filled a complaint with Information Commissioners Office via there website this has been acknowledged by the Information Commissioners Office do they work or not? God im confused and i have only just started

TY

Earlier on i called the Bank and got the run around as i expected i did let them know they were in breach of the data protection act. i have reported them to the information commisioner for breach after a converstion with them. should i now send the template 2 letter as well? just to get the ball rolling. or should i wait for the ICO to follow it up? i should be able to get this through the courts under the hardship case i think? best JS