so as I write this this has been going on since 2005,
I got myself into debt when I was younger and couldn’t afford to pay it all back.
Lloyds put everything together and it came out over £20,000
this Was passed onto Lloyds debt recovery team in 2005 but I was paying the debt off in small amounts
I believe this debt was then passed onto a company called Robinson way in January 2006 where I was paying £130 a month
this then changed to debt managers
and then onto clarity
Lloyds and arrow global have stated that I made no payments between 2005 and 2009 even though I have proof I paid Robinson way!
This is where it’s gets complicated - my dad was making the Payments from his account to Robinson way.
The other issue I had was for from 2015 onwards I also had a problem with passing security and I believed my details were compromised with arrow global, who I found out they had the date of birth of myself the wrong month - after contacting Lloyds they stated they had the right date of birth and had it right all the time.
It turned out Lloyds were actually incorrect and didn’t have my right date of birth at all and an address I never lived at.
for the last 6 months I have been trying to get hold of Robinson way as they don’t have the correct details for me and I can’t get the information.
But here’s the plot twist
apparently Arrow managed to get hold of Robinson way and they state the debt wasn’t for that But how as Robinson way didn’t have the correct details for me.
Unfortunately I have lost all faith in Arrow.
I asked Lloyds for everything to do with my account And I have received a letter after all this to go into branch to identify myself
I have been living this nightmare for the last 15 years and I know I got myself into this but I have made these payments since 2005 what can I do if anything I have been through the financial ombudsman who to be frank were terrible.