I see...hopefully the next update I make is celebrating the all clear Thank you.

Thank you dx - you are right - I think they are just chancing it without having any proof. The 'debt' has been passed on to so many diff debt agencies I think all of them & then in one big giant circle came back around to RW.

I spoke to my hubby I was wrong the last time the account was used was in Nov / Dec 2010...

Sorry I didn't quite understand - don't ignore claim form - what's a claim form please? Ty

Yes it's a bank account overdrawn due to their charges when my husband was on JSA. I think it will be stat barred in a few months. He hasn't used it for over 6 years but had the default put on in 2010...will the default drop off after 6 years if we ignore all letters? Thanks both for the replies.

LOOKINFORINFO - When we sent that letter it was to a diff debt collectors not Robinsons Way. I thought I'd update: received another letter from RW saying nothing about a CCJ - just another generic letter about how we could come to an agreement blah blah - I'm seeing this as a positive, would you agree?

Thank you so much to you both - ok we will wait and see what happens...then i will update here. If they ask my hubby to go court for ccj then he will defend himself. Thanks again guys.

Thank you for your reply...Really? But what if they put a CCJ on? I'm so confused, we were thinking of sending a letter saying I don't acknowledge the debt and for them to send us proof...

Hi there, I know this is an old dispute but after I sent the letters - not much happened! The debt just got passed around and now we've received a Pre-legal Assessment from Robinson Way saying they might possibly transfer debt to Howard Cohen & Co solicitors in 10 days who will possibly ask the court for an order ...this was before they said they could give a hefty discount. I don't think anyone can prove the debt. We will be sending the original complaint to LLoyds again and a letter saying account is in dispute to Robsinson Way with a copy of the complaint.. .or should we do something else? Im scared they will bang a ccj on as the default will come off this year! HELP!

Great now we've just received a letter from bleedin Moorcroft telling us to settle the payment in 7 working days!!! I'm sending this letter to them: MOORCROFT DEBT RECOVERY LTD P.O. BOX NO.17, 2 SPRING GRDENS, STOCKPORT SK1 4AJ Dear Sir or Madam, Attached is a formal complaint letter/dispute sent via recorded delivery to Lloyds TSB regarding the above account. Please pass the debt back to Lloyds as the account is now in dispute. Yours Faithfully

Ok sure i'll get this done right away, thanks! Will report back with any updates. (Heres one I made earlier) Here is a copy of the letter I will be sending .... Lloyds TSB 25 GRESHAM STREET LONDON EC2V 7HN Dear Sir or Madam, Account number: This is an official complaint against Lloyds sent via recorded delivery regarding charges put on my account for when I was suffering from considerate financial hardship and in receipt of Job Seekers Allowance. These charges have lead to a default being put on my account whereas I feel the default sum on the account is composed mainly of charges and interest put on by Lloyds. I am writing to request that you repay all the charges in relation to direct debits, unauthorised overdrafts and standing orders that have been applied to my account in the past six years. I believe the fact that I have been incurring bank charges goes contrary to the aims of the Lending Code (Section 9) and Banking Conduct of Business Sourcebook (section 5.1.4 ‘in particular, a firm should deal fairly with a banking customer whom it has reason to believe is in financial difficulty’). My personal situation has been affected by the charges leaving me in financial hardship and I am writing to request that you take the following grounds into consideration: Unfortunately my job loss in ????? and relationship break down ultimately lead me being overdrawn and incurring multiple charges. These charges were high and because I was in a vulnerable situation receiving JSA I had little chance of escaping from the cycle of debt that ensued. I got stuck in a cycle as the combination of these high charges, the inability for Lloyds to help me, and low income made further charges unavoidable. Most of my Jobseekers allowance was being eaten up by the interest and charges incurred. Upon losing my job and having a relationship break down I was forced to live with my mother, she worked part time, had 2 kids to look after and she was a single mom. I could not afford to pay her much rent or help with day to day expenses. - I was struggling to meet basic necessities, rent and basic expenses i.e. food. - My income was eaten by charges and interest - I had suffered a relationship break down and had a significant loss in income upon losing my job. - I was living in my overdraft. - The charges contributed to make my financial hardship situation materially worse. - I was stuck in a cycle of snowballing charges. I had charges on charges, and thus I was stuck in a trap of not being able to clear charges before new daily or monthly fees were added on top. This had a huge affect on my relationship with my mother who had her own financial woes and to this day it has never been the same. I genuinely felt I had no where to turn, Lloyds did not appear willing to help although I phoned various times and even went to the CAB, who also tried to get the charges stopped, and for some arrangement to be made but to no avail. Nobody in Lloyds helped, they sent me from one department to another, Lloyds did not treat me fairly and was not considerate to my financial hardship situation although they knew I was in financial difficulty as I was having my benefit paid into the same account. I look forward to a full response to this letter within 14 days and if I do not receive a satisfactory response I intend to pursue my complaint to the Financial Ombudsman Service or small claims court at the earliest opportunity. Yours faithfully,

Ok i'm a bit confused, should we make an official complaint or send a SAR to check all the charges incurred and then send a request for refund based on hardship grounds? Which route is the best way to go?

I see, I don't understand why the financial ombudsman werent more enthusiastic about us reporting this Common sense hinted this kind of practice was not legitable thus we did act upon it but unfortunately we felt deterred by the financial ombudsman.

Ok we shall stay off the phone, we'll write a letter of complaint and see how that goes although when I called the financial ombudsman they said they couldn't do much about it although we were welcome to make an official complaint! They said that because of some court ruling complaints for unfair charges didn't mean much anymore. But we'll write a complaints letter and see where that takes us...

Thanks a lot for the replies, is there a template or anything that would be the best for this particular situation? Also what is the best address to send a letter of complaint to please? Is this one ok: 25 Gresham Street London EC2V 7HN I really do feel LLoyds has acted very irresponsibly - charging someone who had best intentions to pay but couldn't afford to due to unfortunate circumstances thus forcing him to leave home and stay with his mom because he did not have sufficient means to live or support himself with as lloyds was taking all his benefit payments. I will defo send a letter of complaint....

Thanks for the reply, my husband received a letter from Lloyds stating that the debt had been passed on to Moorcroft Group Plc, he phoned them up and spoke to quite a nice lady who he explained to that he couldnt afford to settle all the balance but could settle half of it on the condition they mark it down as fully settled. She noted down his financial expenditure and said she would send a letter to Lloyds and see what they could do....?? He also said he hadnt received a default notice, (Lloyds said they had sent one to his now prev address), he also told her that most of the debt was in fact made up of charges Lloyds had put on whilst he was on benefit and that he had tried so hard to seek help from them but had been passed on from pillar to post. All to half of the actual debt amount owed were charges Lloyds had put on whilst he was on benefit which is quite sad really, as soon as his benefit was put in to his bank account, it would be eaten up by Lloyds ...he was on benefit with JSA because unfortunately he had lost his job and instead of being understanding and helpful, Lloyds did not care one bit and continued to take out his benefit payments, which were his only means of living and supporting himself. He said he had phoned them on quite a few occasions to tell them his situation & he went to the citizens advice bureau who phoned up Lloyds and told them to please stop with the charges on his overdraft...but they never did. Please can someone tell us what to do next ...my husband did send a SARS request last year but they said he would have to go to his local branch with ID of his address for them to act upon it - they returned the cheque. I know this is a bit complicated and a lot of info but any help would be appreciated...ty.

Any advice would be appreciated...

Apologies for the delay, my husband finally got through to someone who was able to give him a bit of info, he's been told his debt has been reassigned, he has no idea what this means. ..he was told they could not accept a payment because it's in the process of being assigned & that they'll send a letter to him in 7 working days.... If Lloyds still has the debt is there any chance they could take the default off for the full payment? I'm not sure how these things work as my payments have always been on time for anything I've committed to.

Thank you for your reply... I will ask him to phone Lloyds today when he comes in from work and ask them if they have sold it on or not. He defaulted in 2009.. .I'm not sure when the default was put on , I will ask him but I know it was in 2009/2010. He has not received a default notice yet, but they have his old address registered on the closed account. He moved in 2010 and did register on the electrol register once he moved. I did contact an independant mortgage broker, and he told me the debt needs to be satisfied for a year before he even looks at lenders. We have not had any credit searches done regarding mortgages as it'll be a waste of time and as you said will show on credit records.. .we are trying to be very careful.

Hi there thanks for the reply. Not received a notice of assignment from Lloyds, however I think they may have the old address on their database. My hubby did send them a letter asking them to give him a breakdown on the debt as they had applied a lot of charges when he had gone into his overdraft when he was on JSA , this was awhile back but he did send them the new address but they wanted him to pop down to a branch with proof. I understand the default will remain 6 years after the registered default (which was in 2009), but the mortgage advisor has told me it will look favourable if the debt shows as settled for a year.

Hi my hubby recently checked his credit file and has found he has a default put on by Lloyds. We want to apply for a mortgage around Oct/Nov next year 2013 and we really want this debt paid so it can show as settled. hubby phoned Lloyds and they said the debt has been transferred to Westcott. he phoned Westcott and they couldnt find any info for him and said they would write to him - that was 2 weeks ago and times ticking away ...what should he do? Any advice is appreciated.

I'm afraid to ignore them, what will happen if I do?

Ok I've just received a reply back from Capquest basically they want proof of address for the year 2006, copy of my ID and they want to know whether i've lived at a particular address...they said this is a REQUEST not a demand but have given me til 8th of Jan to reply which I feel is bloody cheeky!!

Thank you so much for your help.

Hmmm i'm not quite sure where to send the SAR...i didn't have a bank act with them so can't send it to a Branch...should I just send it to their customer services department - i don't want to make any mistakes? What do I do about Capquest in the mean while? Thanks for your reply.