Hi Adenjago, You need to remove the RBS responses that you have uploaded, even though they are small they still contain your personal information. Before uploading you need to blank out any thing that will identify you. Are you able to upload in a pdf format instead of a jpg?

Hi dx, I've attached a copy of the letter I'm planning to send, can you please let me know if there is anything else I need to mention. Dad has also received another statement this morning from Lloyds showing his payment and no other charges or interest have been added. Many thanks Lloyds letter 25.11.10.pdf

My dad is in the process of pulling up everything that he has on it at the moment so I can go through them. If he can't find them all I can request copies from Lloyds can't I? Should I in the meantime send a letter to the solicitors stating that payments are being made and that an agreement was reached with Lloyds 2 years ago and we have not broken that agreement? Thanks Chelle

We paid the £30 and it has reduced the balance by £30 so no additional charges or interest have been added Chelle

Hi dx, I scanned in the most recent correspondence (including 2 DN's) in pdf format on post #3, if you need more then let me know and I'll see what i can dig up. Thanks Chelle

Lloyds sent both of the DN's. Have spoken to my dad briefly and it looks like he did pay for PPI which was cancelled when he was unable to keep up with the minimum monthly payments and agreed to pay £20 per month. He's not sure of the charges but believes there were some, we have to dig out his statements to be sure though. Chelle

Thanks dx, The agreement hasn't been changed or broken by him unless they have done something at their end which would put them at fault. He has been paying loyally for 2 years and is still paying on time every month. I don't think he had PPI as I advised him not to get it, I knew what a waste of money it was. As for any charges I will have to go through the rest of his statements to check as I only have the recent ones. In the meantime should I write a letter to the solicitors advising them that payments are being made monthly to clear the debt as agreed and requesting information as to why 2 DN's have been received when he has not broken or changed the agreement? Many thanks Chelle

Thanks dx, It actually states Default Notice on the letters not Default Sum Notice, from the paperwork I have here he received one on 27th September and one on 26th October. They haven't applied any further costs that I am aware of as the balance has been decreasing by the £30.00 paid each month. We'll ignore the letters for now and fingers crossed they don't try and push their luck by passing it to the courts. Thanks for your help

Hi 42man, I've had a look at the letter but not sure if I can send it as Lloyds will not enter in to any further correspondence with regards to the CCA and the debt itself is not is dispute. We have agreed with the collections department to make monthly instalments until the debt is cleared and yet we are receiving DN's and now a solicitors letter. I have the collections department telling me one thing by phone and another thing by letter. No payments have been missed since this agreement was reached and I'm at my wits end even trying to get them to admit in writing that payments are being made or that there is an agreement in place. The O/S balance is decreasing and the interest has been frozen plus I have proof that payments have been made but obviously I don't want this getting to the stage where my dad ends up in court. I have attached copies of the most recent correspondence (personal details removed) for you to have a look at if it helps. Many thanks Lloyds to 16.11.10.pdf

Hi everyone, I've been a member of this site for a while and have read quite a few interesting discussions with regards to Lloyds Bank but have not posted before. I feel like I am at my wits end with Lloyds at the moment!! My father had a credit card with them about 4 years ago which had about £3000 of debt on there when unfortunately 2 years ago he was told that due to increasing blindness he could no longer work as his insurance (self employed mecahnical engineer) would not cover him. He contacted Lloyds bank, told them of the situation and it was agreed that he would make instalments of £20.00 a month and they would freeze the interest. About a year ago they contacted him and increased the instalments to £30.00 a month which he has been struggling to pay but has always paid on time. Recently he has started to receive default notices, I've rang the telephone number on these letters to be told just to ignore them as it is standard procedure, I requested for this to be confirmed in writing but they refused. I then wrote to the collections centre requesting his CCA (letter used from this site thank you) and requesting confirmation that all phone calls will cease and that he is making payments as agreed. I also requested confirmation that the default notices will cease. All we have received in return is the box standard reply to CCA and a copy of the T&C's (not his original one). Now to top it off he has just received a letter from the SCM Solicitors requesting immediate payment of the full debt (who happen to be located at the collections department for Lloyds Bank). As you can understand I am getting very frustrated as well as my father who I have to read these letters to, he's started to get very stressed and is even considering getting a high interest loan just to get them off his back at which I have had to try and put my foot down and say no as I know he will end up in a worse situation. I t has now got to the stage where he has gone on to anti depressants as he just can't take it anymore. Any help you can give me would be much appreciated. Many thanks Chelle