thankyou

Could someone please give me the correct address for sar for welcome . I have an address in nottingham but not sure if its correct sorry for jumping in on this thread.

will need to write or phone to ask for default notices to be removed as hadnt actually included it in this letter was getting mixed up with something else. Thought about it a bit more last night and reckon I got more than I had expected so will accept the offer and just hope they do what they say they will. Can I thank you all for your help and support in assisting me on this one lets hope my next couple of battles get similar results. This was my current account so credit card next which by coincedence recieved a letter this morning of a reduced sum to pay???

hello folks, got a response today by letter offering me over £650 of which £50 is for distress and inconvienience which will be sent to me by post in the way of a personal cheque..this includes interest which was also applied along with the charges. they agree it was there fault and regret doing this . they have also refunded all charges and intrest since feb 2009 . IT SOUNDS AS THOUGH I GOT EM BY THE SHORT AND CURLY ONES. HOWEVER THERE IS NO MENTION OF DEFAULT NOTICES AND THE REMOVAL OF . I am still a bit unsure however there is no mention of a balance still to pay . Dont want to sound greedy but £ 50 for all the hassle doesnt seem much considering all the sleepless nights i've had or should i be happy .

Thanks very much for the help on this . letter going to lloyds asap let you know the response from both sar and customer complaints.

cheers ims letter getting posted what about the ofset is that still applicable to me even thogh I was in overdraft but seems they have put me over limit?

bump desperate to get this letter away

added up the charges again 1 was reduced for some reason I cant remember why from £75 to £25 so diff figures from my very 1st post any ideas on what I should perhaps change

Here goes.. customer complaints lloyds Dear sir/madam I refer to account number xxxxxxxxxxxx As I am sure you are aware I was on a debt management plan with a comppany called Payplan. It was my understanding that Lloyds and Payplan had arranged that charges on my account were stopped to help me resolve my situation. My problem started when there was a transaction processed by ( credit refrence agency) on the 3rd of March 2009. I believed this was a free credit report, however I now know this was not free and the sum deducted caused me to go overdrawn beyond my overdraft limit by £1.01. The charges applied to this account from then have been extremely detrimental in the efforts I had made to resolve my situation. I feel that the charge applied on xxx of April 2009 of £135.00 is very severe as was still making my regular payments and could never afford to pay more as was paying Payplan everything I could, thus meaning I was unable to get back within my O/D limit. This resulted in another charge of £25 on the xx of June 2009 further reducing my possibilities of ever resolving this. I note there were no more charges for several months due to an increase in my overdraft limit to stop anymore charges. There was then a transaction on xx december 2009 of £ 20.17. I never authorised this. The credit card I have with LLoyds had removed this money from my account despite me still making regular payments through Payplan. This transaction then resulted in unplanned overdraft fees being added to my account to the sum of £200 and added to my account on xx of february 2010. From the copy statements I have there is no O/D limit on this page to show if I had gone over limit, which I find strange as the majority of the sheets you supplied Apex with do. The statement sheet is number xx and issue date xx/xx/xxxx, but I can see the O/D from the following statement sheets numbered xx and xx has increased dramatically from sheet xx. It is beyond my understanding how you can take money from my classic account to pay my credit card account, which then takes my classic account overdrawn and I incur charges. May I remind you that this complete disregard for OFT guidelines and European Directives 2011 on this very subject is unacceptable. OFSET does not contravene OFT guidelines but OFSET by puting you into debt and charge is.( not sure on this as was in o/d so technically am I not already in debt and they are just adding to it) I am really looking to resolve my situation as you are aware as have made payment through Apex to the sum of £xxx.xx when I could afford to. I also understand that you have passed me on to another company now. I strongly feel that theese charges are excessive and unfair as regular payments were being made through Payplan and charges resulting from the credit card collection should not have happened at all. I look forward to your response on theese matters so we can resolve this situation. yours sincerely hacked off grpro

I have written a letter about all this now . Would I be best putting it up here or sending it to someone to proof read as it has certain dates and figurest on it . Really looking for better wording and not sure how strong to make my letter plus dont know how to go about making an offer as have some money to pay some of this.

I had a bank of scotland credit card and looking to send sar do you send it to dsar team halifax address. and who do you make cheque payable to?

thanks for the reply firstship. I have lots of charges before this happened on the cc for late payment. Do you have to send sar to claim cc charges back.

The credit card started with a limit of £500 I then increased it to a £1000. When I started struggling to make payments before dmp they sent me a letter stating they were reducing my limit. The balance on the card is now over £1200 even though was on dmp for nearly 2 years they never stopped interest and still added charges. Apex never sent me statements for the cc even though I asked for both. From some of the statements I still have they added late payment fees on all the time. Are these the things that I might be able to get off the balance to help reduce it.

They are no longer making charges or adding interest, there was no notice of termination of my account . They never gave me anything in writing about stopping charges but when I spoke to them on the phone the person dealing with my account said there was a note on my account saying no charges(this was long time back,at the beginning). The payment was taken from current account to pay my credit card without my authorisation which then took me back over overdraft limit. This then caused more charges even though they must have known this would happen.

Hi all, I am currently beginning to face up to the facts that I need to deal with my debt again. I was on a dmp with payplan for just under 2 years. I missed a couple of payments which I explained , then tried to deal with it myself. Big mistake. With lloyds I had cc and current account. I never really checked either account when on payplan as thought they dealt with it all. However have discovered that payplan didnt always make the payment on time due to holidays. lloyds though had agreed to stop charges but still added interest. Both accounts have increased while dealing with payplan as charges added are obscene(not much on the cc though). I recently had a phonecall from apex dealing on behalf of lloyds saying they were dealing with both accounts. I made a payment to them and also asked if they could send me statments due to lloyds stopping access to internet banking and when going into branch stated account was closed. I recieved statements for classic account but not cc. I have not heard from apex since payment made in mid feb. Then today I have recieved a phonecall from allied ( cheeky at that) demanding full payment for my classic account. Is there any likliehood of getting charges back(£650) as payplan had stoppped charges or Is it a waste of time and possibilities of making them an offer .( sorry for the length, not great at writing) also got charged for them taking money to pay cc causing to go over overdraft. can you fight that

surprise surprise. no sign of my first 9 payments to them have my bank account statements though.

will go into the office and ask for it as checked with payplan incase it had been sent to them but nothing.

how long is a reasonable time to receive a statement from them? 2 weeks and still waiting? should I go to my local branch and get it?

It is a personal loan with them. I already had a loan with them and took out another to clear the first one and pay a credit card off. I took the loan out in november 07 which was just under £5000 of which £1040 paid of previous loan. I made two payments and then started my dmp with payplan. I didnt take any payment protection or any other services they offered and have this with my loan agreement. Payplan have been paying more than what my payment was by £20 pounds. The loan is over 48 months and i have made 21 payments to it 2 at there rate and 19 with payplan. I missed my very first payment in december 07 and received all the calls and a letter . Dont know what else to include ?

I am currently in a debt management plan and welcome finance are one of the companies I owe money to. Been in the dmp for nearly two years and have never received any statements or letters from them yet. I am a bit worried after reading the many posts about them and others accounts. Should I just ask for a statement or jump in with a subject access request or could this cause problems.