The OD was dropped and Wescot/Cabot sent the letters regarding the loan. I thought by starting a new post I would be giving the correct info. As Cabot quote account numbers, duration of loan, and credit amount on the statements, what would my options be if a letter of claim did turn up? I sadly do not have the outstanding balance.

I'm sorry, I thought I wrote clearer. This matter is dealing with a personal loan I took out back in 2001.

What would be my options if they sent the letter of claim? As I have statements which have an 'original total' minus the payments and the details of account number, Duration and amount of credit would this likely be used in the letter of claim?

Hello Everyone, I would appreciate advice on what to do next. I took out a personal loan in 2001 with Lloyds TSB when they were merged. In around 2007 I had some medical issues (which have been trouble to diagnose and to this day are still causing problems). Despite me informing them that I could not make the next payment because benefits weren't sorted yet. They took me over my overdraft limit and sent all the letters. Back then, I verbally agreed over the telephone to pay £30 a month. Some years ago a company called Wescot wrote saying they had ownership of the debt and I stupidly did not request proof. I continued to pay the £30 despite their badgering to give a breakdown of my finances. Most recently a company called Cabot have been involved saying they acquired it from Wescot in 2019, even though I am still making the payments to Wescot. Cabot has been for 2 years sending my statements to an old address. I last lived there some 14 years ago. After contacting Wescot to remove that address, they denied having it and did not bother to update Cabot. I raised a complaint with Cabot about this. They claim to have amended the details while offering me £200 for my inconvenience. Suffice it to say the cheque has not arrived. I did not expect it anyway. There is no entry for either on my credit history. What should be my next step?

Hi Scott, As far as I am aware BLS are part of Lloyds collections. They have the same address as "Collections" uses on some of their letters to me. The overdraft was on a standard account but it's a funny story. I had a period of illness & Lloyds kept taking my loan payments out (by Direct Debit) even though the account didn't have sufficient funds. Any other DD got bounced. What puzzled me was the wrong account number referenced on the letter. I clearly labelled the request with the revelant account number yet they replied with a different one. Regards Pete

Hello everyone, I sent a C.C.A. request to BLS on the 24th January regarding an overdraft. I received a letter 9th February (postmarked 7th February) from Card Services quoting a different account number (Old Credit Card) and giving the plea that they have a high volume of these requests. They also advise that this makes the matter temporarily unenforceable but does not affect my legal obligation to make payments as per the agreement. As the 12+2 have now passed should I continue paying the token amount while sending the in dispute letter? I'm unsure where to add a line regarding the account number mix up so if anyone has any advice for this please feel free to comment.

I would have understood if it had bounced and then I got charged for it bouncing. What actually happened was my mobile phone bill bounced and got charged but the loan payment was taken for the full amount pushing me past my overdraught. I thought that with DD if the funds weren't there it would bounce

Hello folks, I'm wondering if I have anything to use against Lloyds for continuing to take out a Direct Debit when there wasn't the money in the account to cover it? The payments for a loan went out yet they bounced a mobile phone bill

How can I tell if the Credit Agreement is "Flawed"? In my SAR I got a copy of the form with my signature, so no luck in telling the company that bought my debt to "Do one"

Hello Folks, Well I finally got the info I hope it's all there as it weighs alot and most likely would knock someone out if it fell on them! There's alot of jargon in there but it does confirm that the Direct Debit for my loan was taken out and not bounced back pushing me over my overdraft limit. They did however bounce my mobile phone bill. Could someone point me in the right direction of a letter outlining this to BLS and Lloyds? BLS have also sent me the Full & Final Settlement Offer (Without Prejudice) to basically halve the outstanding amount LOL

Hello Tilly, Thanks for clearing that up for me. I couldn't have read it properly Non - Compliance letter is in the post.

Hello folks, Firstly I'd like to say thanks to the guys who set this forum up. There's a hell of a lot of info on here and from what I've read some good folk offering their time and advice. I'll try and keep this short BLS want me to pay an Overdraft which I believe isn't my fault. I had some trouble with my blood and consequently had to give up work. Shortly before everything went to pot I made an appointment with my branch. Let's just say they weren't helpful at all. There wasn't enough money in my account for my Loan DD to go out but the money was debited from my account anyway, instantly making me overdrawn. But strangely a DD for a mobile bill bounced (as I thought it should). I called collections who didn't really know as it wasn't forwarded to them yet so they couldn't help. They kept taking the DD and sticking on interest. Unfortunately due to being admitted I wasn't able to get things sorted quickly enough. Since they have pulled my statements from internet banking I sent in the Subject Access Request which they received on 04/06/09. In reply I got a letter asking me to confirm my signature which I sent back on 17/06/2009. Unfortunately it wasn't delivered until 22/06/09 I have heard nothing in return and believe the 40 (working) days will be up by the 29th of this month. Should I get the "Hurry Up" letter printed and sent? Regards Pete