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Found 2 results

  1. I have had a Loan, overdraft and credit card with Lloyds bank which they have agreed to freeze the interest on. They’ve had said that from this I will then have 1 default on my credit file on 6 years and within 35 my account will be passed over to the collections team and then the recovery team. What does this mean? It totals about £10K but I’m worried about bailiffs!
  2. Hello, I've been looking through this forum for a while now and I'm still really confused as to what mode of action I should take first. I have a credit card with halifax on which I owe about £2650. I can only afford to pay £70 a month. The interest they charge is roughly £42 a month. So I'm not getting far with repaying them. I'm not sure what steps to take in asking for 1. A refund on the interest and charges 2. A freeze on the interest they currently charge. So do I send them a Sar, Iba or just a letter asking them to freeze the interest? Please . If someone could talk me through the steps, I would be eternally greatful Oh, I've had the account for about 3 years now.
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