thanks shadow - what sort of letter should i write, i.e should i call it a comlaint about all the overdraft interest and usage charges being applied as this is increasing the overdraft, as of april 2010 the overdraft was £1010 i have paid in £82 yet the balance now is £1023. do I ask for refund of the interest & charges or just to stop charging interest so i can get the balance down. similar question regarding credit card thanks for your advice, its much appreciated

Hi FS & Shadow, thanks for your help. I've read section 9 of the Lending code - one thing i have noticed is quite alot of this is not effective until 1 July 2011? so does this mean the banking code applies in my situation? also have read the lending code, should Lloyds not have picked up on the fact i was on benefits, my overdraft was being used to pay mortgage, credit card being used to pay bills etc, this was nearly 3 years ago now, even tho I only got help from CAB when i as able to start to pay anything, in the beginning i had no help with mortgage from DWP just got £60 a week for nearly a year - only started to get more help with mortgage and DLA Nov 09. I had no contact from Lloyds before I went to CAB and from what I gather (CAB records) they received no response to their letters or the financial statement. The only response I seem to have got a couple of months ago was about the credit card, as this was going over the credit limit, due to late charges and interest being applied, was a letter not acknowledging the offer or the fact i had been paying this since april 2010, they just cleared all the overdue payments and changed terms & conditions to say min payment of £30 ( i have been paying £31.71 every month) so i assume this is some kind of acknowldement - however still annoyed about all the late charges & interest building up on the account - every month now interest is around £21 so im only paying off £10 a month. Any help with compiling a letter to Lloyds would be much appreciated, as i dont know what to put, as my circumstances are unlikly to change and could get worse as I might loose DLA in nov thanks Jodie

hi all, I wonder if any one knows if this is acceptable by Lloyds TSB. A couple of years ago I had to stop work due to disability and got into financial trouble. I got help through the CAB who wrote to all my creditors explaining this, provided them with a personal financial statement with offer of repayment. Now I know some of them wrote back and accepted, some didnt respond but have stopped chasing, the 2 that I have a problem with are Lloyds TSB bank account overdraft and Lloyds TSB overdraft. My overdraft was £1000 and I started to pay £6.50 a month as per CAB letter, every month they still apply overdraft interest and because it takes me over the agreed limit they charge me o/d interest about £14 a month and an o/d usage fee of £5. this has been going on for a year, so my overdraft is not £1025 which is more than it started out at. A similar thing happening with credit card, they were charging me interest plus a late payment fee of £12 so my account is now £300 more than it was. The credit card sent a letter a few months ago and it appeared to change my terms & conditions to allow me to pay the £30 a month as I had arranged to do, but still they continue to charge interest so only paying off about £2 a month. The CAB have had their funding cut so they could not help anymore. So I'm wondering it is legal for Lloyds to still charge interest & fees on an account they know to be in default and no longer used - also they do not seem to respond or acknowledge receipt of letters Any help would be appreciated. thanks Jodie

hi all, I wonder if any one knows if this is acceptable by Lloyds TSB. A couple of years ago I had to stop work due to disability and got into financial trouble. I got help through the CAB who wrote to all my creditors explaining this, provided them with a personal financial statement with offer of repayment. Now I know some of them wrote back and accepted, some didnt respond but have stopped chasing, the 2 that I have a problem with are Lloyds TSB bank account overdraft and Lloyds TSB overdraft. My overdraft was £1000 and I started to pay £6.50 a month as per CAB letter, every month they still apply overdraft interest and because it takes me over the agreed limit they charge me o/d interest about £14 a month and an o/d usage fee of £5. this has been going on for a year, so my overdraft is not £1025 which is more than it started out at. A similar thing happening with credit card, they were charging me interest plus a late payment fee of £12 so my account is now £300 more than it was. The credit card sent a letter a few months ago and it appeared to change my terms & conditions to allow me to pay the £30 a month as I had arranged to do, but still they continue to charge interest so only paying off about £2 a month. The CAB have had their funding cut so they could not help anymore. So I'm wondering it is legal for Lloyds to still charge interest & fees on an account they know to be in default and no longer used - also they do not seem to respond or acknowledge receipt of letters Any help would be appreciated. thanks Jodie

thanks for your advice. I cant remember if RBS sent a notice of assignment letter, I will have to do some digging in my mounting of paper work. If not I will contact RBS for this. thanks Jodie

Hi All I'm new to this site as just found it and thought i would ask a question before i reply to Wescot. Last April I had to the CAB, as I had been ill and off work for the last 2 years and now disabled due to my condition. The CAB wrote to all my creditors, sent them a financial statement and made an offer of payment based on what was left. RBS was one of my creditors. I have now been paying every one every month and have recently received a letter from wescot saying my debt with RBS is due in full, then received letter from solicitors acting on behalf of wescot. I email solicitors saying i have arrangement in place, they passed onto Wescot. I have now received a letter from Wescot stating they are now controlling my account and all future payments should be sent directly to them. My question is, should I just now pay wescot direct, or should i ask for something in writing from RBS stating they want payment to go to Wescot? thanks, any help would be appreciated Jodie