Hello everyone, I really hope someone will be able to advise me in the following incident. I opened a current account with Lloyd's in 2008. Never had any issue. In august 2012, I moved to the states for one year. My account balance was £0. I didn't not plan on using my account abroad and therefore did not think it was necessary to make Lloyd's aware of my move (big mistake). When I moved back at the end of 2013 I tried to get a phone contract and got denied which is why I signed up with experian. That's when i found out about a default from Lloyd's against my name. I was devastated. default date-summer 2013 Default amount-£201 It seems as if the actual amount I owe was less than £5. The rest was based was based on penalty fees. I may or may not have received a notification/default notice/default letter by mail but since I never changed my address it would have been sent to my old address. I would have obviously paid the outstanding balance if I knew about this. After signing up with experian I started receiving letter from debt collectors asking me to pay the owed amount. I have not replied to any of the letters. Unfortunately I do not have the actual contract or old statement anymore. I have sent Lloyd's a letter asking for further information - see letter below. This letter was sent a month ago. no reply yet. Could anybody please provide further advice on how to go from here? I really want to try and remove the default, if possible. CCA [template removed]

Hi ncf355, I will contact Natwest again and clarify whether AIC actually owns the debt. I am going to move back to the UK before the end of the year (different adress). NatWest and AIC are not currently aware of my location. I am not aware of the procedures involved in debt collecting. So, if I send out a subject access request form with my actual adress, will they be trying to collect the debt? Thanks again

hi ncf355, thanks for your reply. I was a student from 2009 - 2012. My student overdraft limit was £1500, which I never went over! I dont remember the exact date I paid money into my account. I dont have access to my account and I did not receive any letter confirming my last/current account status (probably because the letters have been send to my the US adress, i no longer live in). I stopped paying funds in just before my student account changed into a graduate account (2012). When I graduated in 2012 my student account changed into a graduate account. The overdraft limit then reduced. At that point, my overdraft went over the limit. I did not know that the overdraft limit also reduced when my account changed to a graduate account. Yesterday, Natwest told me on the phone that my outstanding overdraft I owe just over £1300. I dont how to go from hear. Do I ask AIC for my latest account status? Do I not communicate with AIC at all? After all, AIC has no contact details of me. I do intend to pay back the debt back completely with the hopes that they will delete my default.

It is all my own spending.

Hi there, I need help! I really hope someone gets to read this. So here is my problem... In July 2013, I received a letter from Natwest (at this point I was livingabroad) advising me to pay money into my account for the unpaid overdraft I had not repaid yet. It said that 'If I dont get in touch, we may need to issue you with an Overdraft Termination Notice'. Afterwards i received no more letter from Natwest (probably because I moved again, to another country. today (November 19,2013) I failed to log onto my Natwest Graduate Bank account, I was advised to contact customer service. I had already assumed that to be due to my unpaid overdraft. When I called Natwest I have been told that I will no longer be able to access my account due to an unsatisfied debt with the bank. My case was forwarded to AIC. I now have an overdraft default on my name. I have been advised to contact AIC to repay the debt. I have not yet contacted AIC. I am trying to find a way of removing the overdraft default. Can somebody please advise me on the next steps I should take? Thanks in advance, optimist22

Hi there, I need help! I really hope someone gets to read this. So here is my problem... In July 2013, I received a letter from Natwest (at this point I was living in the US) advising me to pay money into my account for the unpaid overdraft I had not repaid yet. It said that 'If I dont get in touch, we may need to issue you with an Overdraft Termination Notice'. Afterwards i received no more letter from Natwest (probably because I moved to another country (Germany). So today (November 19,2013) I failed to log onto my Natwest Graduate Bank account, I was advised to contact customer service. I had already assumed that to be due to my unpaid overdraft. When I called Natwest I have been told that I will no longer be able to access my account due to an unsatisfied debt with the bank. My case was forwarded to AIC. I now have an overdraft default on my name. I have been advised to contact AIC to repay the debt. I have not yet contacted AIC. I am trying to find a way of removing the overdraft default. Can somebody please advise me on the next steps I should take? Deb T, I have red the advise you have given hungrybear and I would really appreciate your personal opinion, too. Thanks in advance, optimist22