OK Thanks

OK what's the quickest and most hassle free way to reclaim the charges? If SAR is a demand for the credit statements I still have them somewhere. I've actually changed banks (obviously so they couldn't try just taking money from the standard banking account) so should I set up a direct debit from my new bank and pay that way? I don't mind telling them what's going to happen (as long as you don't consider that to be "pulling tails" and being too confrontational)

They have been charging me £12 for a late payment charge and the same for an overlimit charge as well as the interest. This has been the case since March or Apri so my overdue amount is now around £230. I'm sure I have the statements for the last few months somewhere if I need them. I'm not that bothered about reclaiming the charges (and could use this to my advantage as a "goodwill" gesture) as long as the interest is frozen with a reasonable repayment plan. £10 a month is the figure I've thought about suggesting. Perhaps I could suggest that for the next 12 months. After that hopefully my employment situation will have changed and I can pay it off much faster. Should I write to one address or 2 separate addresses or to Department CCD and Deparment SO (at the Three City Park building)

The debt is for a student credit card. I had been meeting my minimum payments consistently (usually around £20 a month) but not making any real progress on the overall debt. Then I fell behind due to other financial reasons and am struggling to repay due to the interest charges. So this is a very recent development I haven't made any contact yet. They have attempted to contact me via phone several times but as detailed in the letter I'm only willing to communicate in writing. That is the type of advice I've seen on forums like this.

I am planning to write a letter to SCM solicitors the collections department of Lloyds TSB. Should I send a copy to SCM or to a direct Lloyds address as well (I am aware that SCM is part of Lloyds but I do not want to phone Lloyds as SCM said I "must" do) Or should I just write to the Three City Park, Hove, East Sussex address (where they have requested I mail a cheque to) and acknowledge the solicitor letter? The letter is demanding full repayment within 14 days and stating they will instigate court action if it is not received (I know this won't essentially happen and its probably just a threat at the moment) This is just a draft and I would appreciate some assistance in rewriting parts (or all) of it. I think its a better effort than some would manage (since my vocabulary isn't that limited) but I'm hardly an expert at this. I'm intending to send this tomorrow as early as possible so any responses after 9am will probably not be taken into account. This letter acknowledges receipt of a letter (dated 24th July 2012) from SCM Solicitors regarding a credit card debt to Lloyds TSB bank. To address a couple of points in the letter I am aware that SCM solicitors is the "in house" collections department of Lloyds TSB. So I dismiss the false notion that Lloyds TSB is a client of SCM and consider it both disingenuous and misleading. Also in regards to payment of the debt it is now stated that the sum (as of this writing) of £1,182.54 is sought to be repaid in full. Currently it is an impossibility to repay this sum in full as I am seeking employment. If you wish to negotiate repayment (to be paid via instalments) please communicate in writing only. I have sought independent advice and it was suggested that I should not discuss the situation via phone for record purposes. It is a legal right to request that your "client" confine future contact to written communication. Any court action would be futile and I would hope this matter can be settled amicably with a manageable repayment plan. I have every intention of repaying the debt and only fell behind due to excessive interest charges on one missed payment. I request that future interest (on the credit card) be frozen as this will only extend difficulties and the intervention of debt management services on my behalf. Please note this letter has been sent via recorded delivery (29th July 2012) and a copy has been retained. I have also sent a similar letter to your "client"

Whatever happens I'm not writing any tedious letters for something that should be straightforward.

Spoke to somebody on phone (more wasted money on mobile costs) who could barely speak English and no payment is on record. Just told me to go into bank who no doubt will tell me to call up again.

Went to bank on Friday to make a very simple credit card payment which the silly cow took for ever to process (probably did it wrong). Yet its now Monday just after midnight and the damn thing still isn't showing on my balance (I know the transaction records can take longer to update but balance is the main thing) I did keep my receipt but should I insist they process the payment again? Usually it always goes in the same day and they will probably just say I should wait. Yet if it does not clear before tomorrow (Tuesday the clock on here is wrong) I'll get a missed payment and overlimit charge. I don't need either at the moment. Plus I'll probably end up having to call up (because the bank can't check the balance) yet another cost I don't need right now. I'll have to into the bank again on Tuesday too yet another waste of my time. Should be compensated for this kind of thing. Anyone else had problems like this?