Hi, i have had mortgage arrears for a number of years never been able to control them(approx 6k). due to an upturn in trade earlier this year i managed to get them down to £234 then a catastrophic business deal dumped me straight back sq one unable to pay the mortgage again i rang them and told them i would not be able to pay the up coming payment. i was advised that if i cleared the arrears before the next due payment i would be entitled to a review of my account to see if i could get the payments down to an affordable level. i did this only to be told that it wasn't true the nice lady from complaints took £100 off the arrears and put £200 into my private account, she said they should of said "i pay off all the arrears and one full months mortgage payment then i could have the review". she made sure i had no savings and no way of paying the extra i then received a letter saying my agreement for reduced payments was at an end and i needed to make another which i did . i knew this was my busiest time of year and went hell for leather to meet the all the arrears and one months payment option by the skin of my teeth i succeeded. previously i have had arrangements go wrong because i paid on card and they say this takes 3 days at this time i was told that if i paid cash into a halifax branch it would show immediately. ( which is what i did ) they now say cash payments don't show for 24 hrs!! in the sure knowledge i had covered all the bases i rang them i seem to have rattled the cage i don't think they expected me to meet there criteria and don't want to give the review i so desperately need my payments have jumped from £695(interest only which they have taken away as an option) to £1380 a month and simply can not afford it. i dont want to go into arrears again i need some advice what do i do next i have to phone them tomorrow but can already see where this is going any ideas how i should approach the matter.

Hi sorry its taken so long to come back. we tried to upload the statements but could not remove the personal information so decided to let the solicitor deal with it after spending a lot of money trying to get lloyds to come to an agreement the money finally ran out . i started to chase lloyds myself and yesterday received an offer of £8900 this as far as i can see is the correct amount minus a claim we made against the policy. however this does not compensate for the fact that they took the payments from an overdrawn account and charged interest on the monies . given that we are desperate for money and have considerable mortgage arrears do you think we should accept or try to get compensation for the interest charged. any help or advice would as always be gratefully received

I have done dsar with Lloyds so i have the proof that they have underpaid. i have to admit the working out of the interest for the currrent account got me a bit baffeld, i used the card calculator and only added the interest and the 8%(not the PPi itself) to come to the conclusion that the whole amount was interest charged on misold PPi (the account has not been in credit in the last 10 years). i have had further claims paid by Lloyds already, these PPi payments came out of the same account they did not pay back the interest charged on this money but i am hopfull that i will be able to get it this time we cashed the cheque last time so i should imagine we are stuffed on that one.

We had a letter today saying Apex were going to apply for a county court judgment,a charging order or a attatchment to earnings. i rang them asked them if they would please issue so i could counter the bloke on the other end said Apex did not do that , they said that they wanted to get my wife into a payment plan i told them they were getting nothing their client was getting nothing send it back to Lloyds and get them to give back the money they stole. having fun with this even though Lloyds are rufusing to respond to my solicitors letter

They sold my wife PPi even though they were aware she had a prexsting medical condition as they have paid out on a policy that she held with them. They have admitted mis selling in writing it is just the amount of compensation which is wrong , they appear to be using Apex to try and force us to accept their offer.

Hi , I was wondering if anyone could give some advice on a problem I am having with Lloyds. I put a claim into Lloyds for miss-sold PPI on behalf of my wife, they admitted and paid out however they did not pay out on a credit card that she holds I pointed this out they admitted the miss-selling of this as well and sent a cheque for £3800 which have not cashed. When I checked the amount on the FOS spread sheet on here it should have been more like £10k, plus my wife’s bank account was always overdrawn and they have charged more in interest on the ppi payments which they miss-sold than she owes on the overdraft. As I said my wife’s account is overdrawn (£4700) , Lloyds passed this on to Moorcroft I wrote to them saying the whole amount is disputed as the whole amount is interest on miss-sold ppi and that it was subject to an ombudsman complaint, they went away and Ihave heard nothing from Lloyds or Moorcroft for months. Getting nowhere with the PPI I got a solicitor to send a letter formally rejecting the offer of payment and outlining the amount due. We have had no response to the letter from Lloyds, however a few days after it was sent they have change debt collectors to Apex who are now trying to collect the money owed on the overdraft . How would you go about dealing with Apex? Any help or advice would be gratefully recived.

Hi , Has anyone tried this if so any succsess? my wife has been missold ppi by lloyds which they have addmitted and paid back. my wifes current account was overdrawn all the time her wages went in each month but did not clear the balance so the account was constantly overdrawn. lloyds then paid their loans & credit cards out of this account.(including the missold ppi) therfore charging interest on the missold ppi via the overdraft, i have made a complaint using fOS and recived a letter today from lloyds saying that they are looking into it. her account is currently with Moorcroft who have put collections on hold FOS have written to them saying action taken is likley to be adjourned pending the outcome of the complaint. just wondering if anyone had any thoughts on my chances of making this stick .

Yes afraid they have

Hi , I received a letter from MBNA saying they had sold my cc debt to Link couldnot pay it so buried my head in the sand and ignored it. Link to took me to court and I filled in the court papers and admitted the claim including £1400 of their costs posted it back to them. it then occurred to me that i had ppi on the card so put in a claim sent for the agreement and i had not asked for PPi they been charging it since 2002 on £4200 balance only paid the minimum payment each month I rang link asked them if they gone for judgment they said that they were in the process i explained about the ppi and they said that they would not go for judgment and would wait. They didn’t and went for judgment. Today i received 3 letters 2 from MBNA upholding my complaint on ppi on the card and another upholding my complaint on 2 loans 1 for £15000, and 1 for£9800 (loan value not PPI) they say it will take 12 weeks for the card and 8 for the loans. And another from link saying my debt has been transferredto Cardiff for enforcement. Looks like i am going to be dealing with bailiffs for money I don’t owepresuming that the PPI will cover the card?( they havent told me how much justthat they agree my claim) Can anyone tell me will the PPI be enough to pay them £5600? What should I do regarding court?

Think they have voted for me, is my account not closed tried to complain to lloyds on the phone they said they had no record ,and accounts have gone from internet

Forgot to say 8 ppi accounts and this is the only one that isnt covered major mis-sell spoke to Fos they say i have to wait 8 weeks before i can complain to them. 26 years a Lloyds customer

its an offer we made the account was under the limit they took a payment for there loan took it over, then sent it to moorcroft. including the ppi

Hi, had a deal with Lloyds to pay a small sum against an overdraft as we havefallen into some financial difficulty. Last week i found out that my loans had single premium PPi so i made a claimand they miss-sold on other grounds as well This week they have past my account on to Moorcroft who have given me tillthe 14th to pay up or come to arrangement with them or they are going to go tocourt with it. the next payment to Lloyds is not due till the 23 of this month never beenin this situation what do i do. Any advice would be really welcome.