I really do not know if i have penalty fees and with regards to PPI i wrote to them and they sent me a cheque for the amount and i accepted back about 2 years ago. I did ask lloyds to consider a full and final they declined and shortly after sold the account strange really because i bet i offered them more than they sold it for, Where would i start with penalty charges? thanks

Hi dx, I have just checked my credit file and the default dates are the same and for the same amount so it all seems to be order actually. I just thought it would just be the 1 showing but i suppose they need to show the original debt for the history of the account. Loan is from 2009, claimed back PPI and has a valid cca and i have a payment arrangment now with aktiv kapital(sounds a bit didgy) but they have been no bother at all Thanks for yout time

Hi my loan was sold by Lloyds Banking group to Aktiv Kapital which im fine with, had the letters confirming the sale back in July last year. My only confusion is around how they are both reporting the same debt on my credit report, it has only been the last 3 months aktiv kapital have been reporting it. My simple question is are they right to both be reporting the same debt? thanks