Hi sorry is its the wrong place to paste this thread in but I donno whereelse to ask. today i got this mail saying I have overdrawn £41.30 because lloyds had to take out £45 as CHG UNPLANNED O/D FEES. but what is this CHG UNPLANNED O/D FEES? i previously had overdrawn £35 because I had to buy something off ebay. I paid the bank back within couple of days and now this???? can somebody explain this CHG UNPLANNED O/D FEES to me please? is it going to be an annual thing where they take my money out every month or so?? (if so then i have no reason to live.....).

Hi, I'll try and keep it short..... Recently got an Experian credit report to see what debts I had in the hope to improve my credit score for a mortgage application.... All the debts that I thought could be there were there, however also as expected they were all defaulted [agreement ended] due to non payment for a period of over 5 years.... One of the debts, a Lloyds TSB overdraft, where I still owe £711, has resurfaced. A letter has came in from Lloyds saying that the debt has been sold on to a debt purchaser....... Can I ignore this seeing as the credit report says the agreement has ended with Lloyds? I have never dealt with the debt purchaser so I know if I did respond that would start the 5 year cycle again, meaning the prescription and limitation act wouldn't be on my side.... All the debts on the report will disappear from it at the end of this year when all debts become 6 years old.... Does anyone have any thoughts/advice....

Hi, I have had a response from Lloyds - they have sent me a reconstituded copy of the CCA. It does not contain a signature, although I believe it doesn't have to contain a signature in order for it to be enforceable. It's for credit card and it has my husband's name and address on it but nothing else. No credit limit on it. That was document 1. Document 2 was entitled 'Your Lloyds TSB Credit Card terms and conditions. Applicable from 26th November 2011' The account was defaulted on in 2004. They have given a statement of the account in another, separate letter stating the balance, credit limit,current monthly interest rates, arrears and further payments to be made. They state they have sent us a copy of the Signed document - but it is not signed. My husband owes them £896 - we have previously offered £330 as a F&F settlement which they have refused. I'm not sure if we can do much more - they insist that this is a legally enforceable debt. What next? Any help would be appreciated. Roar.

Hi everybody my first time in using this forum I have a problem with a well known high st bank that I had a credit card with some years ago,due to getting myself into financial difficulty I went to all my lenders and negotiated a repayment plan with all lenders. After paying all lenders I found out a year later that a certain bank had placed a default notice on my credit score even though the account was settled. I asked the bank to explain why as the payments had been adhered to and there response after many visits to the bank and telephone calls that they could not remove it. I then contacted the Financial Ombudsman and there findings were that it was incorrectly applied and should have been applied by the bank a year earlier but this was not the case and there recommendation was that it should be reapplied at the earlier date! Can a incorrect default notice be left to stand and can they re apply it? The reason the financial ombudsman said it should be back dated is that it should show a true reflection of my account but due to them putting me on a repayment plan and my payments didn't meet the minimum percentage of what they needed but this was also not explained to me. They now even refuse to speak to me or enter in any form of correspondence what can I do regards Jon

Oh here we go again....... ...I have an old debt with Lloyds tsb going back to 2009 which at the time I was desperately trying to sort out a pay arrangement with them and was ignored and passed on to the first debt collector and the fun (stress) began. Back then I sent a cca request and had no response, it then got passed onto the next DC who I also cca and so on. It's been quite for a few years (admittedly I have moved and accidentally forgot to tell them....oops) with no letters suddenly out of the blue I get a nice call, letter and text from Debt Managment Services Ltd saying that Capquest have referred the debt to them. I have checked Equifax and my original debt with Lloyds says "settled" and a default against crapquest. My question is do I have to do the cca all over again? If so can someone please point me in the direction of the template as I haven't been on here for so long I've forgotten where it all is.

Hi Ive put in a complaint about the miss selling of my select account.2001 to now. I was told at the time in order to get a loan and a bigger over draft I had to take out the account, they also said loans would be cheaper if I had select account. Was also told had to have account as no free accounts. Lloydstsb have said via phone call complaints department. That i was not mis sold as I had select account so my loans would have been cheaper.Then in another breath he said I was mis sold account but would only refund first year fees. I said can you put that as your final response so I can take it to Ombudsman, he said we have good with relationship Ombudsman so they will just say the same. I've used the AA.So they say its not mis sold. My argument is I was told I had to have account, so surely even if I've used product that's still miss selling. He said nothing about cancelling my package account. any advice thanks

Hi I have been having some real problems with lloyds tsb , my ltd company took out a loan with them for £15k a year ago when they refused to renew the overdraft , they left us with a £2k overdraft and then put the rest on a loan , the problems started again this year when they removed the £2k overdraft and then returned a loan payment as unpaid even though i paid the cash in for the loan that morning , its a long story but its now getting out of hand and they are forwarding my company debt to there recovery team , I have offered them £400 a month until the bebt has been re paid but they are refusing my offfer , i need help as this is making me ill . Thanks Michael.

Recently CCAd Lloyds TSB Here is their reply. I would appreciate your comments as to next step. Thank you.

Please can someone advise me in very clear easy-to-grasp language as I have cognitive problems due to M.S . About 6 years ago I was offered and accepted a credit card from Lloyds Tsb. I fell into debt due to marriage break-up and after a mental health breakdown I defaulted on payments. There is no excuse for that, I know, and I have been stupid. I paid occasionally when I could, but buried my head in the sand. I had a few letters from lloyds, but nothing much, and then heard nothing. I still bank with lloyds. A year ago I moved home. Yesterday I had a letter from someone called Cabot Financial, saying they had brought the debt from Lloyds, and stating that I owed £4,995 to them now. I didn't think it was that amount, but I did think it would be around the £3000 mark. I'm not disputing that I owe money, and I'm not simply trying to get out of paying it, but my circumstances have changed so much that I'm not able to pay it at the moment. I am disabled, out of work, on benefit, and have a disabled child also. This house move was to enable us to make a fresh start after a huge tragedy and trauma to myself and my daughter, and to be honest I had not given this debt a thought since we moved, I was enjoying living in peace for the first time in 20 years. This letter has thrown me into a tail-spin and I have not slept all night for worrying about it. I cannot pay it. I can barely live financially as it is. I googled Cabot Financial and read stories of harassment , threats and bailiffs forcing their way into people's homes, and I am now too afraid to contact them, I read that if you phone them they will intimidate you into payi g an amount you cannot afford? I do t know what to do? The thought of bailiffs trying to force their way into here makes me feel I'll, my daughter is autistic and it's taken her months to adapt to living in a new place and feeling safe again, if someone tries to intimidate us or tries to come Into here and take goods, it will cause her enormous stress and a relapse. Not to mention how I would feel too. Please, what should my first steps be in trying to sort this? I simply do not have £5000, I dont even have £500 ! Please help?

Hi Guys Ive had serious failings at Lloyds and today it has just got worse. Could i take Lloyds to court over poor treatment and failure of service for BCOBS? Its making me ill and im fed up of dealing with people who cant do their job properly and fail to notify me of any changes to the account

Howdy Folks, Want to know how to deal with this. Had an account with lloyds that fell into arrears and collection and recovery. They begun to pursue and i refused to pay a penny to them and eventually i get to a Team Leader who confirmed he would close the account with no further charges due to issues that i had with Lloyds and hey presto, he did it. Now since coming back to Lloyds due to being fed up with RBS i have had nothing but problems, When wanting to mirror 2 x current accounts with RBS, Lloyds wouldn't do it... "009 Indicator" which just quote "Drops Off When It Feels Like It"... (Their staff at the bank not mine) Preventing me from opening another Current Account, Savings Account and anything else related to Lloyds Banking Group. ^__^ Even the branch staff cant understand how the collections team work ^__^ Now that you have the background, here comes the latest dilemma, and i've only been back with Lloyds 8 weeks ^__^ Because Recovery / Collections use the same system but different data set (Old Accounts etc) To Phone bank etc, it means that they may not have updated the address when i moved to where i am now. Phone bank confirm this is the case and that they have the correct details while Recoveries don't... So how does this tie in? I recently received a letter from them with regards to compensation however they had put an address that i have never lived at. then on top of that, they had realised crossed out that address and put the correct address on the envelope. My concern is and this has been confirmed by Lloyds is that letters have gone to the incorrect address which i have never give them, however they can't confirm to me how many and what date the address was incorrectly changed. They confirm i have given them the correct address. A complaint was raised yesterday officially however i've been hammering on at them since Saturday to sort it out and they keep hanging up when mentioning the word "complaint." I've been into branch and they have taken a copy of the letter to confirm but refused to let me speak to the Branch or CS Manager. I wanted to speak to them as i have previously had a case of Identity Theft happen to me and im still picking up the pieces with the company in question. What should I now do to deal with Lloyds and the DPA breach? If they offer compensation... What should I accept?

My parents were at the bank sorting out their finances. My mother decides she wants to transfer me some money that she owes me. Their personal banker proceeds with the transfer, then tells them that I have a loan and she would like to speak to me and books an appointment with me via them. Obviously trying to sell some BS. The thing is, I'm a grown up man with my own bank account etc. My parents are not involved in my finance and they did not even know I had a loan. Is it not a data protection act violation telling them about my loan etc.? What if this leads to a family dispute? Thank you.

Hi. I, like others I've heard of, received a rather offensive letter this week, telling me that my Lloyds TSB platinum MC credit card has been slapped with a £500 limit with immediate effect and will be withdrawn in 2 months. I had received a polite letter a few months ago asking me whether I wished to keep the card as I had not been using it and I telephoned and said that I would like to keep the card. Upon calling the telephone number quoted on the latest letter, I was told that I was required to use the card at least twice per year and my failure to do so had resulted in the imminent cancellation of the card. I have never been told that it is compulsory to use the card twice per year or lose it, and I don't believe that this "twice per annum" clause exists in their terms and conditions. I have been a loyal customer with Lloyds TSB for 25+ year and have an unblemished record. Just because I am now 56 and semi-retired, I apparently don't fit in with their preferred customer profile. My card was due to expire in Novemeber 2014 and I cannot understand why I have had the card downgraded immediately to a £500 limit (from £5,500) and will have the card taken away from me in two months time. Why withdraw my card while it still has 21 month or so to run? I am very uspet, but apparently my 25 years of loyalty, and my £12.99 per month account fee, mean nothing to Lloyds TSB. I can only assume that they spend millions on adverstising to entice younger, more liberal spending clients, whilst an old man like me is not worth keeping as a client. They have offered me £55 in compensation for some reason. Are they in some way admitting blame for something? Apparently the "Risk Department" made the decision. Very confusing. Is this blatant ageism? Tony Valentine.

:-xI retired in Sept 2010, having banked with Lloyds for 40+ years. When I retired I, obviously, no longer had a monthly salary paid into my account. However, I am working on a self-employed basis with my earnings paid into a Santander account. I transfer amounts into my Lloyds account to cover DDs etc. I had an agreed overdraft limit + a Credit Card limit with Lloyds (both those limits were suggested by Lloyds). I had no problems, with Lloyds from the date of my retirement until I hit the age of 65 in November 2011 - suddenly, both my Credit Card limit & my agreed overdraft limit were reduced - without any prior notification. This resulted in DDs being returned, with the relevant charges being applied, plus the embarrassment of my Credit Card being denied. My circumstances have not changed, the only change I can think of is my birth date!! Can this discrimination be allowed to happen?

Hi, Back in 2010 I had a student overdraft with Lloyds TSB and got it extended to £1500 from £1000 thinking it would be extended til the end of September. I got a letter from Lloyds TSB in June/July stating that my overdraft with be expiring in 28 days without a date of the actual expiring date. I rang Lloyds TSB and the person on the phone informed me that the overdraft expires in September. in July I get a letter saying that my overdraft has expired and my account is in arrears and I need to pay the full amount. I rang Lloyds Debt Collection many times but kept getting put on hold and they are only open til 6pm so I would call on my lunch break and when I finally got through to someone they said I could be put on a monthly plan to pay the arrears without any interest but towards the end of the call he said that I would have to pay x amount on top of monthly payment due to interest. This obviously got me annoyed so I asked for them to send me something in writing before I confirm that I will sign up to the monthly repayment plan. The problem is that they could not provide me anything in writing regarding charges and interest which I found stupid. I spoke to a lady in the debt collection department and stated that I was misinformed about my overdraft expiry date so she said she would investigate it. Once they investigated it, she agreeed that I was misinformed but cannot do anything for me and I would still have to pay the arrears and full overdraft which I was ok as I did borrow the money but still she could not provide me anything in writing about my charges and interest on the overdraft. During all these calls back and forth, I hadnt realised that my account was still pending default so I thought forget it, I will get the money off a family member and just pay it before it defaults. I called on the last day to pay my account in full and when I spoke to the woman on the phone, she said my account had already been transferred to a debt collection agency! She said that she couldnt do anything and I should send a letter to the complaints department. I ended up paying the debt and it is now a satisfied default on my credit report. I am now saving to get onto the property ladder which hopefully will be in a couple years but I know this default will affect me getting approved for a mortgage so I was wondering what people could advise me? Sorry for the long winded post but I hope someone could help me getting this removed as I have read different approaches. Thanks Nix

On 12th September 2012 two unauthorised direct debits came out of our Lloyds business account for £183.60 each (total £367.20) going to a company with which we have no agreement. We found out about this in December when completing our vat return and phoned Lloyds on 12th of December to notify them. We were informed on the phone that the payments would be recredited to our account and the direct debit cancelled and that this was being actioned immediately. Job done. We phoned back, just to be on the safe side, spoke to another member staff who confirmed that action was being taken, and enquired if we should cancel the direct debits manually via the online control panel. They were non-committal and said that we could if we wanted to. We did. Upon checking the account again on January 15th we noticed that no credits had been made to refund these funds. There is no contact email or messaging service via the online facility and so we were forced to telephone Lloyds once again. We explained the situation once again and asked them to check on the status of the refund. We were then told that the refund had been "actioned" on January 11th and that the funds should appear within 3-5 working days of that date. We complained that we were informed on December 12th that the funds would be recredited to our account immediately. They responded that as it was an indemnity claim going back some months that it takes longer to process. Whilst renegotiating our overdraft facility on January 16th, another extended phone call, we enquired as to the status of the refund again. After a lengthy explanation we were told that it had indeed been actioned and that it would take 3-5 days. No explanations were forthcoming regarding the assurances given on December 12th that the refund would be made immediately. When asked for a reference we were told that this was unavailable. When asked to be referred to a supervisor we were repeatedly told that one was unavailable. When asked for a email address for the complaints department I was told there was none. When asked for an address for the complaints department we were told that they did not have one. We were told that a complaint could be raised by them but no reference could be given. We agreed to the complaint being raised and were asked to ......... please hold. More than 10 mins later and back on the line we were told that a complaint had been raised and "would we accept £50 for the trouble?". We replied that, no, we would not accept the pay off as we had no information from them whatsoever regarding the refund and obviously could not now rely on information given over the phone as this had proved to be incorrect previously. We asked again to speak to a supervisor, or at least to the person who had authorised the £50 pay off, but were told that they were unavailable. We asked for the contact details of the Banking Ombudsman and were told that they did not have one and maybe we should look on Google. After a great degree of cajoling, and threatening to take the issue to the Banking Ombudsman, we were then, very reluctantly, given a reference number for the "indemnity claim", a "complaint reference", a "team manager's" name and the address where the staff member was situated. We were still refused any contact info for the complaints department. The whole phone call took 1 hour and 15 mins. As far as we can see Lloyds bank have conducted unauthorised borrowing of £367.20 from our account for over 30 days. Are we within our rights to demand the interest due at the current Lloyds unauthorised business borrowing rate, together with the original sum plus expenses for the time and inconvenience caused. Also ... surely Lloyds bank (as with any on-line business) cannot refuse to provide an email complaints contact address. This wall of misinformation and timewasting is incredibly frustrating.

Hi everyone, tonight had this guy knock on the door said he was a agent for credit solutions trying to recover a debt owed to lloyds tsb. I replied i no nothing about it and asked the gentleman to leave, he said the company would be in touch. I remember only having dealings with lloyds around 8 years ago. Any advice would be appreciated

Just a quick post so anyone can point out to me possible pitfalls or things to watch out for. After a long history of disgusting treatment by LLoyds bank I am now taking them to court to claim damages and costs relating anxiety and loss of earnings caused by their most recent disgusting activity of telephone harassment. To cut a long story short, their collections department 01273 743574 was repeatedly phoning me. I don't owe them money. They had no reason to be calling. I asked them stop. They didn't. They would ring at all hours of the day. I continued to ask them to stop. They wouldn't. It caused extreme distress, anxiety, upset to my children, loss of sleep and severe disruption of my family and work life. All my calls to them are recorded. I have done a SAR which confirms my requests for them to stop calling me and their continued calls thereafter. I am satisfied that 1) Their actions constituted harassment and that they knew this. 2) that a reasonably minded person with the same facts ( for obvious reasons not all presented here in glorious detail for the other side to see ) would consider their actions to be harassment. I am making my claim for damages using Sections 3.i and 3.ii of the Protection From Harassment Act 1997. In the early stages of their campaign of harassment, they paid out to me several hundred pounds of compensation but the calls continued so I started my claim using MCOL. Any feed back or advice would be most welcome. Ta.

Hello I'm new to the forums I've been looking around and see there's quite a few threads about Moorcroft and I need some advice. I had a Lloyds tsb account which was given a £2000 overdraft when I was 19, I used the bank account still until I was 24 always near the limit of the overdraft I've been employed since I was 16 but lost my job April of this year, things have got tough, not being able to pay phone bills and never having money still not being able to find a job (100% willing to work) I get a letter a few weeks ago saying moorcroft have my debt and I owe them the full outstanding balance, I replied with a letter saying ive been unemployed since April and cannot pay, they want me to pay at least £25 a month I agreed to this and the payment is due in several days, however I cannot really afford this, JSA barely gives me enough to survive let alone pay debts and I refuse to let a family member help me, after all it's my debt. What should I do about moorcroft? I've also defaulted on a payment plan with orange now so I guess that will be passed on soon enough, these debts are really getting me down along with being out of work, I just don't really know what to do Any help would be appreciated, Thanks, Jamie

Lloyds sent me a letter in July claiming an account was in arrears and demanded payment. I immediately wrote back to them disputing their claim. They have now employed 6 debt collection agencies to deal with this account and each time I have send a CCA and followed up with an Account in Dispute letter and they (DCAs) have not responded again... until now. I sent the last agency the Account in Dispute letter (12+2+30) at the beginning of November and they have replied saying: “ If you read our letter on 22/10 you will see that we returned your fee of £1 advising that the payment needed to be made directly to our client before the request can be actioned. We have not failed to comply with your request as you have not sent in the correct method of payment (cheque or postal order made out to our clients). Please forward this payment to the above address to allow us to process your request with our client.” I sent a £1 postal order made to the DCA. Are the trying it on and is this harassment by lloyds?

Hi I had a outstanding balance for around £350 where my account went overdrawn due to lloyds allowing money off my card to which was cancelled but they would not back down but today i have had a letter from a debt collector claiming i now owe £1300 do i really owe this amount or do i need to dispute the amount?

Hii, Although a newbie, I have been viewing for a while, just no need to post until now. With the changes over the past couple of years with new judgements etc, re validity of DNs, reconstructed CA's I do not feel sure of what I should do. My history : approx 5 years ago, I had to take control of spiralling CC's and 2 loans, as I was unable to meet repayments. I called one of the free DMP's and I have been repaying, at a reasonable amount for the past 5 years. Some CC's accepted payment plans, Lloyds have never accepted and have always sent arrears notices. To be honest, I contacted them at first but was so fed up with the call centres who could not speak 'off script', I gave up calling. I sent several letters which went unanswered by LTSB. This CC was taken out in approx 2002. There were charges on the account about 5-6 years ago, and I have so far, not requested a SAR as I know it's unlikely to get the relevant info from LTSB when requesting it. I have kept every document ever received, but this is currently in storage due to recent house move and not accessible for the next few weeks. I can therefore, in a few weeks time gather the info to reclaim late payment, over limit charges etc - but I fear it is too late to prevent a default on my credit file. LTSB have continued to add interest, and I have recieved statements each month. I last 2 were dated 21/2/12 and 21/03/12. I have now recieved a letter from SCM, dated 28/03/12 (sent 1st class!) which is 'a formal demand of account balance', threatening court action, referencing a DN which was not rectified. Also noting that 'interest continues to accrue on a daily basis'. Also if client does 'not recieve a satisfactory response', then credit agencies will be updated. I have not recieved any DN for this CC, and I don't think there is an issue with the post as I have clearly recieved two recent statements and this letter. I have however changed address during this time, with the FEB statements being sent to my old address, which is on a redirection - so I assume all post is being redirected correctly. The MAR statement to the new address, as is the letter. As my debts were defaulted many years ago, my girlfriend has said she would help clear any that are now demanded, to assist in the clearing of my credit file. To received a default this far along the line would be very disappointing. This amount is around £1k. (I assumed, maybe incorrectly, all CC's were defaulted, but now my girlfriend is helping me, we can see that some CC's are still charging interest - which I think indicates they are not defaulted?) I would like to ask for advice on how to approach this. When I viewed the site before, there were recommendations of 'unlawful rescission'. Would this be an option, as they have clearly terminated the account without issuing a default notice? If they have defaulted the account, can they add interest daily? What is the best thing to do, considering I would like to prevent a default? Thanks

Been with LLoyds for about 13 years. I have had no late payments ( i did with other companies in the past but £0.00 arrears for coming up to 1 year now which did affect my credit score. I have had nothing but clean payments and a constant income - Uni situations caused that )I had a credit card with lloyds with a £1500 limit. I returned from UNI with monetary issues and reduced this to £500. Payed off all my outstanding utility bills and what not and finally cleared my name of debts / arrears. I had no CCJS/Bankrupt status. Only Payment plans via credit agencies. I called them back over the last 6 months and they told me that I could not touch the limit for another 6 months - which is fine with me as i had only reduced it. I made clear that when i do request an increase if its an Internal check or external credit check. They specifically told me that each search or request they do for my limit is solely internal and wont affect my score. I just tried again today - be it after the 6 month period and got through to an advisor. The phone cut out just as I asked the advisor what my options were ( as i was looking to opt in to the regular increase that lloyds do and had done for me to get to £1500. ) I called back and another advisor said she could not request a limit increase because i already did so 7 minutes ago and that it was a decline due to an external credit check! I didnt even specify how much i needed. 1) I did not ask for a credit check to be done! 2) I did not request for a limit increase, i requested my options! 3) She said she will submit a complaint, but also closed it as "feedback". I wanted feedback or further information! Insult to injury, i requested a complaint to be submitted and she happily did so. Just as i was about to hang up she said there is something she could do for me as she was looking at my account. She offered me a loan in the 1000's and then offered me a £1800 over draft. All i wanted was a credit card limit increase to aid my credit score. Surely if they are offering me £1000s in alternative forms, why is it that they cannot honour a simple credit card increase? This is a ludicrous response and makes me really doubt LLoyds as an efficient customer focused bank. How do i go about asking why they offer me money in alternative sources? And how do i go about dealing with credit checks that i did not request and was mis informed of. The advisor offered me a monetary reimbursement for the inconveniences caused but i declined. I dont want a short term £10.00 for such an aggravating issue that ive patiently waited upon for over 6 months.

Hi there! I am Lloyds customer, i had credit card with Lloyds for last 5 years, recently i had to leave the country and my credit card limit was 1250, which i was overdrawn, i contacted with my credit card and explain situation to them, the plan was to pay it back from abroad, but when i logged in to my internet banking i can not see my credit card,it is vanished. All paperwork left in uk and i dont know any info about my credit card apart from my personal information,why they have had removed my creditcards? Aurika

Hi Please can you help with this query which has been going on years. A bit long..... I have been divorced (absolute granted) since 2008. I had a joint account with my ex husband. I was the primary account holder. I opened my own (Lloyds) account in 2005 and have been using this since this date. To cut a very long story short, my ex husband continued to use the account so he had some means to have his wages paid but he ran up the £1000 overdraft too. In 2009 I managed to get him to pay some of the overdraft off, which was done on 5th July 2009 and at this time I asked for the overdraft to be reduced. I thought him paying some would be better than nothing. I was told that this would be done. Some months later I opened a statement that said the account was still +£1000 overdrawn, so I called the bank and I spoke to a chap who told me that money had been withdrawn (where my ex was living at the time, and my ex never denied this). I asked why the overdraft hadn't been reduced and wasn't given an explanation, but it could be seen from my file that I had made this request. My ex told me what he did wasn't illegal because he was on the account, and had come across an old cashpoint card when he moved and being an oppotunist thought he would give it ago, but said it was morally wrong (this is why he is my ex). Ever since I have been trying to sort this out with Lloyds TSB who keep saying as I'm the primiary account holder then I have to pay it. My account has now gone through "clearing" so conveniently my details can't be seen in a branch. I went in to the bank last year and couldn't even get a basic bank account because of this and they guy that spoke to said this old account was really doing my credit rating damage and to cut all ties with Lloyds and start over somewhere else ( I would but like I said I can't even get a basic account now). Ironically my single account which I use day in and day out has a fantastic rating. A letter came from Moorcroft offering a payment plan (addressed to my ex, and not to me or in joint names) and I thought I would just pay it, but they refused to change my details on the account to reflect I was paying it so I said I wasn't happy with this. I made two payments. I also feel a real injustice with Lloyds not doing what they said they would and think they should wipe the charges and reduce the debt to what I had asked and pursue my ex for the rest. Any advice or thoughts....other than I'm trusting stupid and not persistent enough!