Following on from the success of my previous bailiff problem. I was discussing this forum with my best friend. She very silly of her, got on of those photoshoot sessions, and bought the photos. This was back in Sept 2009, the credit for this is through black horse/lloyds tsb. Now the full amount of the photos was around £900. And over the last 2 years she has paid more then the £900 and there is still a balance outstanding of £800. Now shes not too clever and quite young so I said i'd see if there was a way we could get all the charges/interest stopped. She has no idea what and when she has paid exactly. For a while she was out of a job, and had told them this, and then she got a small inheritance and paid off a £400 chuink. Oh and everyday they ring her threatening action for her "quad bike" money even though the credit was for photos. Thanks very much. D x

Hi all, i have had a lloyds tsb credit card since 2007, which i have allways paid on time but last year my father became very sick and i had to give up work and become his fulltime carer so now i am basicly living on £55 a week and still haveing to pay £180 to the credit card each month, which i have done so far by selling most of my stuff but i just cant afford it anymore. so my question is, is there any way i can get them to stop the interest or lower the monthly amount any help would be greatly appreciated

in 2006 we took out a loan, it was taking over an old loan as well as borrowing additional money, my husband was off work at the time due to an accident, at the time we thought this would be short term however on further investigation we found out he was going to be off indefinantly, blackhorse knew about him being off at the time of the loan, they also only suggested PPI - added in a lump sum to the balance of the loan, on finding out about my husbands long term work prospects we called to cancel the ppi, we had only had it for a very short time. however the staff at blackhorse were sure we could still claim as it was running on from another loan. they "investigated " this for afew months and came back to us saying we could not claim, again my husband told them to cancel the ppi, which he was told was done. we didnt know it hadnt been taken off as we are on a repayment plan so our payment wouldnt have changed , 2 days ago we got a letter off them, it stated we are still paying ppi! we have never had any indication ppi was still applied to the loan, it was never mentioned in other letters. i rang them yestoday and was told theyd look into it and would call me back today at 12. well obviuosly they didnt call so i called them they have looked into it and decided they have no record of the cancellation, i asked him why would we keep ppi when we cant claim on it? he said he can see my point and told me to make a complaint. did they missell us ppi? im sure they did. im also planning on getting a cca from them, my hubby was sold a loan based on his income when he was at work even though he was on sick. also the man on the phone today told me their were boxes missing on the aggreement when we appiled in 2006?? not sure how we stand on this , i really dont know what im doing any advise would be great. i know i need to print off a templete letter and send a £1 po, but other than that im pretty stummped. i have also posted this in ppi section

Dear all, I am new here and I apologise if I ask immediately for advise. In 2009 (January) I opened with Lloyds a free bank account because as an international student there were not many other options. While doing this, I told them I don't wan't any overdraft. Zero overdraft. That seemed apparently fine because there was one situation at a UK train station where I could not buy a ticket with my Lloyds debit card. It was rejected. I found out later that I did not have enough money on the account. But so far good. 4 days ago I ran into negative amount without noticing, because I don't check that often my bank account, as well due to the fact that I said I did not want any overdraft. Returning home today, I found a letter, four days old, telling me Lloyds provided me with an Unplanned Overdraft because there was not enough money on my account. Of course they ask me now to pay, according to their rules for four days at least 45GBP. I guess you know already that there daily charge is not reasonable. But in general, I wonder why my payment was not rejected like before? I said to them I don't want an overdraft and they provide me with one. Just to cash on me. What can I do, please? I want that my debit card stops being accepted when the amount on the account equals zero. I told them! I did not ask for this stupid overdraft they happily provided. Furthermore, why can Lloyds do everything online or per text, but such an overdraft information arrives by letter. This is so stupid. I said no and they act against my wishes. Have you been in a similar situation before? Thanks for your feedback. indigo PS: Rather presenting a calculation of the fees, I got a stupid letter telling me about the charges and fees. Is this bank not able to calculate? Will I later receive a letter with a appropriate calculation of the charges?

Hi, just wondering if anyone can help or has information about the following. My partner has a ccj against him from LTSB for his overdraft and loan. We have been paying £50 a month for years but then our payment book ran out. Like before we went in the bank for a new one and they gave us a number to ring but we can never get through. When we have been late or missed a payment we have alway had a letter from sechiari, mitchell and clark (I think) Informing us we have 7 days to pay and we have done. But since we ran out of paying in slips we have neither heard a thing from TSB or the ccj solicitors regarding this debt? Anybody have any idea of what to do/who to ring as I'm worried that we may end up getting a warrant of execution/house thingy (cant remember what they are calle, sorry) or anything else? We havent paid for about 3/4 months because I have completely forgot until now! x

Hi, I have just read on moneysavingexpert.com that many customer could face additional compensation due to the delay between the offer and payments made: http://www.moneysavingexpert.com/news/reclaim/2011/10/anger-at-lloyds-tsb-ppi-compensation-delays I was one of many who waited 82 days between my offer and receiving the cheque which was yesterday. It claims that anyone who has waited over the 28 days is due to compensation, but the articles does not state how to claim this, a spokesman for Lloyds states "In recognition of the delay some customers have experienced we will look to compensate them accordingly, this will be reviewed on a case by case basis. We apologise to any customer affected for the inconvenience caused." So is this a case where we wait for the banks to contact us or do we need to send yet another letter of complaint? Many thanks

Ok, so please don't judge - we know where we went wrong! So, in 2006 my hubby (boyfriend at the time) was earning approx 18K per year, his bank, Lloyds, offered him a credit card which was originally set at 2k credit limit, very quickly they increased the credit limit all the way up to 14.4K, roll on 2011, we've now had to use the equity in our property to pay this card off as the minimum payment every month was no less than £370 and to be quite frank its been crippling us. I know we shouldn't have used it BUT we were poor, with a young family and it made ends meet (we don't drink or smoke, we have maybe 2 nights out a year - we live a quiet existence) my hubby's pay has barely increased so now the CC is nearly as much as his annual salary, do we have any sort of case against Lloyds. Oh and we've just been told my hubby's company is closing in Feb - great eh!?! We have paid the CC off in full this morning just to get rid once and for all. Any ideas / help would be great! K

I have a thread on the BC account regarding my various cards. With the Lloyds one, I've been unable to keep up with payments and requested a short term freeze on interest and reduced payments. Both of these were refused so I've haven't paid them for three months now. I sent off the CCA request and got sent a print out of their current T&C's but nothing else other than, going by other threads, a standard we don't need to supply you with anything else as the account pre dates May 1985. I then sent off the improperly supplied CCA second letter and have now had the, we have supplied you with sufficient information pay us and make a complaint to FOS if not happy. I haven't yet sent off an SAR but aside from this is there anything else I can respond with? I simply don't have the funds to pay them and without them agreeing to my request I can't see what else to do now. Thanks.

Hi there I SAR'd LTSB re all my accounts with them and they have now responded. In with the bundle they included the original CC agreement and all statements since. Very nice TYVM. How can I work out if the interest rates charged were fair. The late payment fees were 12.00 set amount so I think these are ok and wont be claiming these. But Im not sure about the interest rates that haved been mentioned in other threads. Madge

Hi, I need a little advice (again) please. My current account with overdraft has now been referred back to LLoyds TSB bank and now I'm worried. Does this mean I will be charged interest etc again? Moorcroft agreed to accept £20 per month and this has been ongoing for the last few months. My main question now is where do I send my payment of £20 which is due on 4th November? - local branch of LTSB??

Hi everyone need some advice on this one two weeks ago extended my overdraft to £4150 as was a little under pressure with money cudnt believe they would agree as my credit rating is not great any way the overdraft extension ended today and I presumed wud go back to £4000 checked online today and bang!!! Overdraft limi 0.00 they sent mr an official letter on the 9th to state they would reduce to £4000 on the 19th of September which I have kept under lock and key I haven't rang them yet but I have sent an email to there senior CEO mr osorio to seek his views and help due u think that's it overdraft limit taken away??? Not even a 30 day letter!!!! Hmmm illl update later end of banking day!!! Thanks everyone jdes.

I have an old Lloyds TSB Trustcard, which is giving me some grief.... I have been trying to get copies of statements etc since 2006, and thought that I was finally collecting everything today, however I went to the bank and there was only a short letter saying they didn't have any information. There's some history.... I opened the Trustcard account in November 1998 just before I went travelling, I was 18 at the time and working part time. The account was closed in July 2003 when I lost my job and then sold to Activ Kapital in September 2005. I am still paying the remaining outstanding balance now, with about £1,400 left to pay. In November 2006 I wrote to Lloyds and asked for copies of my statements etc, but never received them. They were constantly looking in to the matter, but were proving difficult to find??? I unfortunately lost my copies when I moved house at a low point in 2005. I recently applied for a new SAR and received a letter a couple of weeks ago saying everything was now ready for me to collect and I could collect a PARCEL from my local branch, I turned up this afternoon and there was a short letter saying they couldn't find anything. "...We have been unable to find any other information regarding your credit card due to retention periods. Unfortunately, we have not yet been able to locate a copy of your signed agreement. We can assure you that before we opened your credit card account we would have required sight of a signed agreement. if you take this matter further, the bank is confident in their ability to be able to prove this. If you require information regarding your debt after September 2005, you will need to contact Activ Kapital as we are not the Data Controllers of data held by this company." I know there were quite a lot of charges on the account in the last few months of it being active, but I'm not sure what it was like before that, I can't remember if I had PPI or not, but now it seems I can't find out. I am still repaying this account, I have been since it was closed in 2003, along with a considerable amount of other debt. However I am now feeling stronger mentally and my ambition is to get out of debt 100%. Anything I can get back that I should't have paid is going to help massively... so any help on where to go next with LLoyds is going to be a massive help... I know it's an old debt, but it's still current as I'm still paying it....

I have put me in the heading but it is my brother-in-law. He has a credit card balance £17K in court next Friday having been adjourned back in September as TSB did not have all their information to hand! This has been brought on by TSB who do not want to go to trial but are looking at summary judgement. He has now got a Solicitor and Barrister representing him, they have complimented him on getting this far, so that is also down to you good people on here, thanks. TSB are relying on the following cases, American Express (claimant) and Karl Robert Brandon, Tuesday 25th May 2010, Patrick Brophy (claimant) Vs HFC Bank, Emma Carey (Cliamant) Vs HSBC, Shafeel Venus Vs Barclays and Sam Conniff (claimant) Vs Barclays, I don't know whether this helps anyone. Also does anyone have any experience of these previous cases? Are there any succesful cases where the bank being the claimant have lost ? Any views experiences would be beneficial