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  1. Hello everyone, I really hope someone will be able to advise me in the following incident. I opened a current account with Lloyd's in 2008. Never had any issue. In august 2012, I moved to the states for one year. My account balance was £0. I didn't not plan on using my account abroad and therefore did not think it was necessary to make Lloyd's aware of my move (big mistake). When I moved back at the end of 2013 I tried to get a phone contract and got denied which is why I signed up with experian. That's when i found out about a default from Lloyd's against my name. I was devastated. default date-summer 2013 Default amount-£201 It seems as if the actual amount I owe was less than £5. The rest was based was based on penalty fees. I may or may not have received a notification/default notice/default letter by mail but since I never changed my address it would have been sent to my old address. I would have obviously paid the outstanding balance if I knew about this. After signing up with experian I started receiving letter from debt collectors asking me to pay the owed amount. I have not replied to any of the letters. Unfortunately I do not have the actual contract or old statement anymore. I have sent Lloyd's a letter asking for further information - see letter below. This letter was sent a month ago. no reply yet. Could anybody please provide further advice on how to go from here? I really want to try and remove the default, if possible. CCA [template removed]
  2. Hi, I'm wondering if anyone has been successful in reclaiming Service Charges and Default Charges from Studio Cards? I have today contacted Studio requesting my full trading history by transction, so I can calculate the total goods purchased Vs Service charges, Default charges and PPI. I had an ongoing issue with them for several years in that I was receiving their statements just before and occasionally after the invoice due date - giving me no time to make payment. I am new to re-claiming charges and am uncertain if I am within my right to try and reclaim service and default charges, or how to go about it. Thanks in advance!
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