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Everything posted by christinajanep

  1. i didnt even know it was on there.... is that classed as missed sold ?
  2. Hi all myself and my husband have got a loan with welcome this was a top up loan for our mortgage. the loan was taken out in 2006 and they added £3021.34 in ppi. can i claim this back and where would i start many thanks christina
  3. yeah i have a loan with welcome and looking at the loan agreement they have added £3012.34 for ppi. the loan was taken out in 06
  4. i dont have any of them but can you help me ppi pls do i need to start another thread
  5. not sure what means tested benefit are. and does that mean i cant go after lloyds
  6. i did but obviously dont anymore as i cant afford to.... what do i do now
  7. no i moved my account from lloyds to natwest and was paying my dd but due to salary and tc going down i cant pay them anymore
  8. for going over my overdraft, i set up a payment arrangement with lloyds to clear my OD i started off with £900 and was paying £45.00 a month off it but didnt always get the payments into the account by the date they stated so i kept accuring charges my o/d is now £2500 and that is all due to charges nothing else as i dont use the account. due to my tax credits and salary going down i now cant pay my council tax, utility bills or the £45.00 which lloyds have put upto £75.00 so to try and clear it off...
  9. they didnt give a reason just said i will have to wait until the test case but they have updated my file with the additional points i have raised. i even sent them copies of the letters from the council about my tax arrears plus my electric bill which is also not getting paid
  10. i have done all that and they told me to go away
  11. hi, i havent paid my council tax for 4 months and cant make payment arrangement as i seriously dont have enough funds as 6 months ago i lost some work (i am a childminder) which reduced my income by £660 a month. my tax credits have also gone down due to an overpayment..
  12. yes i do and they average about £100 a month... so they are eating a massive amount into my budget
  13. once again had a get lost letter from lloyds about my hardship claim.... where do i go now pls help
  14. Hi All my husband has today received a letter from ccl legal demanding payment of £330.60 for a dell laptop he had many many years ago. The finance was paid off on 15/12/2006 and his credit report shows this. He offered to forward a copy of the section on his report that shows the balance was cleared but they have said it not good enough and they want more proof, can they do this after so long
  15. Hi Even though i have managed to get my electricity sorted i am now behind with my council tax, nearly £300 pls can u tell me where i start with this thanks christina
  16. sorry i forgot i am well behing in my electricty bill (£400.00) they wont let me pay monthly as the arrears are to high and want it all paid off ? does that count
  17. all my utilities are upto date ( i have 2 kids so keeping a roof over their heads is important) I have got a couple of charges from my creditcard company, but i'm really struggling to keep up with lloyds as i'm trying to pay my overdraft and my loan but just cant do it...
  18. Hi all, I currently have a basic LLoyds account, i never used to have an overdraft or anything with them ( this was paid off with a previous charges win) then i went slightly overdrawn, due to charges i now have an overdraft of £1900 all due to bank charges. LLoyds said i could pay this off at £50.00 per month (£30.00 for interest and £20.00 towards the overdraft) due to being self employed and having little work there has been times when i havent managed to pay it which led to more charged being added (£160 each time) and every time they increased my overdraft to cover it. Due to no work i am missing payments on credit cards and a loan and the overdraft i have with lloyds. Do u think i stand a chance on the hardship case. I was going to wait until the court case against them is finished but im having letters daily from debt collectors and phone calls which is really taking its toll now. All comments appreciated Christina
  19. hey hey hey.... how are you. getting excited about getting your money back
  20. once u receive ur warrent of execution call [problem] and they should pay the same day
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