Jump to content

dandare2020

Registered Users

Change your profile picture
  • Posts

    6
  • Joined

  • Last visited

Reputation

1 Neutral
  1. Hi this is for a credit card. The feeling i get and from what they keep telling me is that i don't have time to request my statments and the try to reclaim the charges. The keep going on about this concerns department which just has an address and no telephone number. I have just rang them again to talk to this idiot of a bloke who basiclly said by the time i have recived my statments i will have the baliff at the door. All he kept going on about is this stupid concerns department. Please Help Many Thanks Dan
  2. Hi thanks for your reply I can only guess all off the figure is charges and intrest i've not spent on the card since i closed it down. I agree with the comment about not getting any sense from them. The whole situation is driving me up the wall. I have another phone call from them today well from the collection company saying i have to pay them i try explaining the issues i have to be told they don't care and if i don't pay by the end of the week they will take me to court. I asked but did't offer a token payment to be told full and final only. I'm very close to losing my rag which isn't me. They just keep saying write to the concerns department. They feel i should get a resolve within a week Many Thanks Dan
  3. Hi I've calm down a bit now. I got a letter chasing the money the other day and it really wound me up. I got to i had till the begining of may to pay the whole amount. I have also been told i have to write a letter to the concerns department. I did mention trying to claim my charges back to the lady i spoke with and she said i wouldn't have time. But i told her the situation she advised me to write a letter to the concerns department and if this was the case they would remove all the charges and intrest no problem. Could you please give me any advice on an approch i should take with the concerns department Many Thanks Dan
  4. Hi all Just a quick bit of advice. Do you think i should send the following letter hopefully you will get the gist of what my problem is. I'm open to advice or any additions you may think i should add. The following letter will be going to the concerns deptments you'll have to excuse the punchuation and spelling i have to sort that out:lol: Many Thanks Dan To Whom It May Concern: I am writing in concern to my account I had with you a few years ago which I have cancelled on two occasions, I’m not sure on specific dates but I think the first time I cancelled was about 4 years ago and the second time about 2 ½ years ago, on both occasions this action was not completed by yourselves. I believe that in cancelling the account I am in fact cancelling my agreement with you and can not be bound to any agreement/contract with Lloyds. I would also like to point out my frustration with Lloyds in continual banging my head against a brick wall when i'm trying to deal with you. I am continually receiving letters and telephone calls which most of, over 80% I responded to either by talking on the telephone or writen correspondance. I would also like to point out I have requested on no less than 8 occasions I didn’t want phone calls but wished for all contact to be via written response, three of these letters were by reordered delivery but after 8 months of waiting for a reply from Lloyds took the wise decision to talk to the local road kill to find out more detailed information about my account because there was more likelyhood of something actual getting sorted and me getting sense out of somthing. I don’t really expect a response from you reguardingd this letter at this stage I feel my odds of winning the lottery are in fact better and I don’t buy a ticket so please feel free to surprise me. I would also like to give concern to my current situation with you. I’m under the understanding that I supposedly currently owe you £3400.00 not quite sure why but I’m sure you can explain if you take the time to respond. The fact I haven’t received a single statement from you in over two years which I have told you about in my letters and on the telephone a countless number of times, I still await a response over a year on. I there by spoke to the Lloyds oracle (Local Road Kill) who explained that this was probably due to me closing the account down and not due to me moving address like an employee of yours told me and assuming my account was closed so didn’t give my new address out so the current owners of my pervious address returned my mail was to the post office. My response to that is that’s my parents house any mail I have I get given they still live there, end of. Please stop trying to spread the blame to me, I have received your other letters you have sent to that said address and responded to. So I was in fact receiving my mail. I must admit I made one fundamental mistake in I actual got concerned about the situation I paid you some money I think that amount stands at about £600 I regret this but didn’t want my credit to be affected I got by that point in my life and now I want things sorting out. I can’t quite understand where the money has come from I can only assume it’s part of the Lloyds Christmas saving scheme an employee picks an account adds loads of charges and interest and that’s the Christmas bonus they will recieve. Sadly i don't want this happening with my account. I feel that my account was closed I have no contract with you and no contact with you, I don’t agree with the charges and interest you have imposed on me. I have never agreed to information being added to my credit report from Lloyds. I have tried for at least a year to resolve this situation via telephone and written communication. I’m sure if you look hard enough in you waste paper recycle bin under the other 100’s no 1000,s I’m being to generous I actual mean million of complaints and communications from people trying to sort there accounts out but yet to realise that they would actual be withholding some poor Lloyds employee from there Christmas bonus. I would here by like the following actions completed as soon as possible The removal of all charges from the account for the last four years or since the time I originally closed my account. The removal of all interest from my account for the last for years or since the time I originally closed my account. The removal of all information from Lloyds from my credit report. A return correspondence with an apology that is personal written by someone. I will Give 21 days before I take further actions. Yours faithfully Daniel Bilton
  5. hi thanks for your response i closed the account down but they didn't work out the intrest right a year and half later they sent me a going to court letter out of the blue. I then paid the balance at the time i was scarerd so just paid i then closed the account down. To the other question i recived a letter saying i owed £347.00 it was in arrers but the total figure i owe from what she said on the phone is £3400 Many Thanks Dan
  6. HI all Hope your all well. I'm after some advice please this might be a bit long winded but it'll give you a better picture. I'll start with today and then go back to the history. I arrived home this dinner to have received a letter from HMHcollections i think there called saying i owed Llyods £347 on my card i will call this a surprise for the simple fact i closed my account 3 1/2 years ago and then again 2 years ago. I have since left my parents house and live in my own. I have received no statements for at least 2 years. I have received some letters from there collection department which i have replied to with no response. I then rang the collection company who to be honest where helpful. I advised them of the following information the fact i closed my account 3 1/2 years ago and then again 2 years ago. I have since left my parents house and live in my own. I have received no statements for at least 2 years to either address. I have received some letters from there collection department which i have replied to with no response. They had rang me on various occasions with no outcome to my questions such has why haven’t i received any statements for two years or more and how come i owe you money at this point it was about £1800 in total they said they would get back to me but never did. I then sent letters with no response. today when i received the letter and spoke to the collection company she advised me my total bill is now at £3400 i could not believe it i can't understand where lloyds are getting this from as far as i'm concerned the account has been closed for over two years i haven’t spent any money on it. She advised me to write a letter to the concerns department at llyods but like i say i must have sent 10 letters at least 5 reordered to no response. What do you think i should do i'm personally ok at the minute but i can feel myself getting quite stressed the longer it goes on. Many Thanks for your help and sorry if you can't understand what i've put i'm a bit peed at min Many Thanks Dan
×
×
  • Create New...