Hi sorry for the lateness, I recieved another letter the other day with loads more paper work. I'll try and get it up tomorrow. Apologies for the lateness of my reply my internet has been down.

OK so got my CCA back this morning will upload ASAP. img829.imageshack.us/g/tsbc.jpg

i had big problems with lloyds raiding my account. i opened a basic account with natwest, now capt daniels and his bunch of pirates will get no money from me Lol, Do you get a debit card with that basic account?

Forgot to mention before they said this offer is for 9 months!?

I have just been on the phone with the collection centre (i decided to give in and call them) They have said this was a mistake on the banks behalf and that my account is now frozen (no interest added) and i just need to pay £20 a month (that is what I offered to pay when i sent a list of in goings and outgoings to them) but i wont have to pay anything this month as the £22.75 will cover me for October.

Will be closing my bank account with them this week then.

Hi just a quick update, sent the CCA last week no response as yet. Yesterday I recieved a letter from TSB saying that my account will be handed to the collections team if I do not pay the minimum amount. It's the next bit thats really got my back up, I just logged onto my online TSB banking and a debit to lloyds TSB credit card for -£22.72 which is what they demanded in late payment charges. Can they do this take money directly from my current account toward my credit card debt?

Thanks so much for your help, I will try this and let you know how I get on

I don't even have the credit card any more must be about 2004 I got it, was just offered it from Tsb at the time and filled in the form not thinking I would get it as I already had a card with Barclaycard

I had a credit card on with Lloyds TSB, When my husband left the army we relied on it too heavily whilst he was between jobs. To cut a long story short we got into £3000+ worth of debt with it, along with other debts which are currently still being paid as agreed with the creditors. Now I used to pay Llloyds £16 pcm with no interest being added to the debt. And have reduced the debt to just over £2k. lloyds have now decided that the agreement for £16 was only for a set period of time, and have now started charging interest etc again. My minimum payment is now £54, £32 of which is interest, I spoke to a cal centre in India several weeks ago and had an expenses/income form sent which I filled in and worked it so that I could continue to pay £16 PCM, I made a payment of that and have since had no response. Today I received a statement saying my payment was overdue and that I should pay £38 immediately. Any advice on what to do? I'm currently at Uni studying to be a Nurse/I also have 2 young daughters. so have little free time during the day to see the CAB. Any advice would be greatly appreciated. I can afford to pay the £16-20 but would struggle to pay much more.