flakes and scales all

unwanted and highly embarassing

wire brush and detol

torrent of abusive and

to the elephants stood

hello guest why not join and get yourself known

off to get packing

red letter day just

if you dont pay

I was thinking of a reply along the lines of Dear wotsit thank you for you letter re the offending account my records show that your company issued a default in 2002, out lining what would happen if it was not rectified by a certain date, your company sent a letter in 2002 stating that due to the amount owed on the account you would be closing it and asking for the return of the/any credit cards as they had been canceled also stating that as the default had not been rectified you were registering the default with the CRAs your company/in house solicitors sent a letter stating if the full balance was not paid then nasty things MAY happen to me so are you saying that the default you issued and registered with the CRAs in 2002 was infact wrong and should not have been issued OR are you saying that you can issue a default in 2002 but apply it in 2010 OR register two defaults on the same account when the first default has never been rectified also if this default has been registerd correctly how can you also mark the account as an arrangement to pay (AP) May I also point out you have not explained why it took LLoyds 9 months to agree to my reduced payments to you, which you only replied to after i sent you a letter with a copy of one from LLoyds dated in may 2010 stating my account had been sent to the recoverys department and I should wait to hear from them. This resulted in you charging intrest on the account and issueing the default Do you not find that unfair also I asked you to confirm that you held a copy of the credit agreement for the account and to confirm or deny the fact in writing I asked as I have a letter saying that your company would send me a copy of it when found dated xx 2010, I am still waiting any one any thing to add Mrs witts

Hi intend I have received a letter back from Lloyds they state that the account was closed in 2002 but is not compleatly closed untill paid off. also that it was charged off in nov 2010 and that the original default notice was applied to the account in aug 2010?? so I assume the one they registered with Experian in 2002 was only a practice run keep up the fight Mrs witts

will try again loyds complaint.pdf

recent up date letter below received, am now realy confused as the account was closed , but then was'nt? sorry cant get it to download

no , in my garden

from hubbys flickin habit

aquire the remote to

and upsetting for the

hi bf I under stand from Daughter that she had used her debit card twice on the 9th as our local atm cannot give an account balance she thought that if she didn't have enough money in her account the card would be declined at point of sale so no bank charges, looking at it this way they must have agreed the payments before payment of the DD that was set up for same day so It is her fault sorry for the soap box will get her to tell me every thing before i go off on one next time but i do hate LLoyds mrs witts x

agreed dx but the main point being that she only has 1 dd set up on this account and the other payments were debit card payments that the bank should have refused for lack of funds mrs witts

Hi all question for my daughter she has an account with Lloyds tsb that has no overdraft facility, due to a miscalculation on her part a number of payments were due to be paid out on the 9th of may but the money was not there to pay them. she received a letter yesterday from Lloyds stating that as there was insufficent funds to pay them all they had paid some and put her into an unortherised od of £25, for which they would charge her £5 per day for a maximum of 8 days, she is unable to get to the bank until sat am, can we challange this as she has never asked for this and only has a basic account mrs witts

or just right off

up date wrote to barcs (recorded signed for 15th april) stating that their letter was missleading and puzzleing, and that I had a copy of me CRA report from2006 showing the acount as defaulted in 2002, but that I shoul not have to send them a copy of this as they should have it on file asked them to remove all illegal markers on CRA file asap, as of today 10/05/11 not a sausage any suggestions mrs witts

extra large and heaving

I love it when people phone me for surveys and ask what i do for a living, when i reply "Escort" it all goes quiet, then you get "Pardon" reply "childrens escort" ohh right mrs witts

my Mum is 90 this month, after months of her saying she does'nt want a party, she now says she does, NEXT WEEKEND. guess who is doing the catering, as my grt neice is alergic to dairy she asked if i could make a trifle with SYMPATHETIC cream I love my mum