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  1. Hello, I have send Lloyds TSB a letter requesting a true copy of the original credit agreement under Consumer Credit Act, they responded with a reconstructed agreement. I then went on to make a further request under CPR 31.16 to obtain a true copy of the signed agreement. TSB responded saying: "At present, we are unable to locate your original signed agreement and cannot, therefore, provide you with a copy of the signed agreement at the moment" "Please treat this letter as our final response" To date they have failed to meet my request under the Pre-Action Protocols. Where do I stan
  2. Hi, My mother owes Lloyds TSB £4,000 for a Credit Card and £6,500 for a Bank Account. She moved to Ireland in September 2012 to retire as my father has alzheimer's disease, and it's a better quality of life over there. She has high blood pressure and suffers from stress which Lloyds TSB are aware of. I'm a student studying at University and have promised to help her deal with the constant letters to try and reduce her stress levels. The letters are being re-directed by Royal Mail from our old address to my University address. She has not informed Lloyds TSB or Westcot tha
  3. Hi all, Lloyds TSB put a default against my name for missed loan payments about 3 years ago, despite me never missing a payment on an "arrangement" I had with them. They defaulted me while simultaneously passing the debt onto BLS Collections, who I have now been paying for those 3 years. My question is - will it do my credit file any harm if I just stop paying BLS? According to my credit file, I have no agreement with BLS, just a defaulted loan account with Lloyds Tsb. Can BLS damage my credit file in any way if I stop paying them? Thanks in advance.
  4. Hi, I am looking for some information on where I stand regarding an unauthorised overdraft. In November last year I took out a short term loan with Wonga in the amount of £420. I then ran in to financial difficulties and knew I would not have sufficient funds in my bank to cover the repayment due to come out. Therefore to avoid making matters even worse I cancelled the direct debit to avoid receiving charges for having insufficient funds to cover the direct debit. I was under the belief that it would then be for me to arrange repayment with Wonga. However, on the repayment date, L
  5. Please can someone help me get these masters of harassment off my back? I keep getting letters from these guys regarding a Credit Card Debt with Lloyds TSB. I have attached scan copies of the letters that I have received to show the chain of correspondence. I have also a copy from Lloyds TSB by way of a SAR Letter to them of my 'Debt Manager Archive Details' showing that the debt was sold by TSB on the 12/12/2003 to 1st Credit for £2.52! Regarding any payments that I have made to 1st Credit or Connaught, are they legally entitled to them, and if not should I be seeking to g
  6. Hi Everyone, I am after a little bit of advice after receiving a letter this morning where Lloyds TSB have rejected my PPI claim, details of the letter as follows: Lloyds PPI Rejection Letter.pdf Is this a standard response? Should I do a SAR and get a copy of my application form, although it does goes back to the 90's? Do I complain back to Lloyds or straight to the FSA? Has anyone else been successful after an initial rejection? My initial application was made via a leaflet through the post, but a few years ago the TSB altered their cards to have a joint Amex / M
  7. Hi I don't know my way around this board too well. I posted an enquiry relating to Lloyds TSB treating me unfairly in connection with COBS under General Debt Issues but then I found this Lloyds Bank sub-forum. I have an old TSB bank account, a former Lloyds bank account (both now Lloyds TSB accounts that I don't use) and a Lloyds TSB Trustcard account. The Trustcard account has just been sold to a DCA. I want to access all my records for these three accounts. Can I do this with one SAR or would I need to send one for the Trustcard and another for the bank accounts? It is n
  8. I received a hand delivered letter through my door from Scotcall about a debt which I have with Lloyds TSB. The letter says: Lloyds TSB Urgent for the attention of: Mr xxx I called today for the 1st time regarding your account(s) Please contact Derek on telephone number 07xxxxxxxxxx or our office on 0844 257 8555 quoting reference xxx This has made my girlfriend very nervous as she has an excellent credit rating, and she believes that this debt collector or whatever he is can come in and take our possessions. I'm a little more skeptical, as that's a bailiffs job, I
  9. CAN MY BANK LEGALLY GO INTO MY ACCOUNT AND TAKE MONEY WITHOUT MY CONSENT??? I recently had £400 transferred into my account from someone also in lloyds tsb, they were paying back money they had loaned from me and it was more convenient to transfer from their account to mine. Once the transfer was complete, they called me to let me know. I checked using phonebanking and sure enough, they had made the transfer and the £400 was in my account. A few days later, i went to draw out cash from the cash machine and there were no funds in my account. Upon checking, i was told by my ban
  10. Hi, I have been trying to change my address since October/November 2011 and LLoyds still cannot change it. I have been unable to get my cards or for them to confirm the change, however I am receiving all the mail refusing to change my address! I am abroad and cannot come in to a branch, yet Lloyds continues to have my account registered to my old address. Why!??? Can someone assist? Edit; In October/November 2011, I sent in a change of address form when I moved residence in the UK. I left the UK for a bit due to a family emergency, only to find out that my address did not c
  11. Hi folks, I'm seeking some advice on behalf of a family member - She took out a LTSB loan some years ago, and was bunged PPI as part of the deal. Because of illness, she eventually defaulted on the loan (NOT COVERED BY THE PPI), which is now being handled by Moorcroft; she pays them monthly. (I don't know if Moorcroft own the debt, or are collecting on behalf of LTSB) She's made a complaint about mis-sellin, which has been 'handled' internally by LTSB. They have recently sent her what appears to be a standard offer letter, offering repayment of her premiums plus 8% interest (no
  12. hi there, i am in a nervous wreck all the time about 4 weeks ago i got a letter through the door saying lloyds tsb are taking me to court for an out standing loan on £4000 that i borrowed arond 5years ago, all through this time i was making payments untill lloyds stopped taking them in my foolish ness i never phoned up i just left it, i fell into some home troubles having a squatter in my house and had to spend all my time and money trying to get her out, but lloyds do not care about that, they have summons me to court were they have stated they can put a charge o
  13. hi, i received one of those standard issue we DEMAND you pay or we'll send someone around and take you to court letters from credit security limited, for a debt i have with a tsb credit card. i was paying it off through a debt agency, but i decided to pay directly myself as i thought the 15% cut they were taking could be better spent paying off the debt. i requested 2 times for a standing order mandate from tsb, but non were sent to me,then i had the lovely letter from credit security. i have no fear of having a visit (i.e. ignore the door!) and no issue with paying off th
  14. Hi there, am a newbie so please forgive if I have posted incorrectly I would really appreciate some advice regarding my situation, which I will explain below My husband lost my job in May and immediately contacted Lloyds TSB to see if they could increase the overdraft at all as we were due to incur bank charges for going over the overdraft the previous month. They agreed to increase to around £600. We were told by the bank, this was not to help us out out, but was to cover the imminent charges and also to cover more charges that were due the following month! We felt we had no choice
  15. Hi there, am a newbie so please forgive if I have posted incorrectly I would really appreciate some advice regarding my situation, which I will explain below My husband lost my job in May and immediately contacted Lloyds TSB to see if they could increase the overdraft at all as we were due to incur bank charges for going over the overdraft the previous month. They agreed to increase to around £600. We were told by the bank, this was not to help us out out, but was to cover the imminent charges and also to cover more charges that were due the following month! We felt we had no choice
  16. I wonder if you could give me some advise... This complaint has been in there hands a couple of days and they have investigated through the customer relation department and have immediately offered me £100 compensation. What I want to know is whether to fight it out and ask to speak to someone more senior cause I think this is pretty serious. I have copied in my complaint letter originally so you get the drift of whats going on.... Dear Sir / Madam, Following a visit into your Bedford branch I am deeply concerned around your data protection procedures and slightly concerned t
  17. Im being chased for an overdraft by a company called Iqor the amount is £2,258.24, it was passed over to them from BLS and originated from a lloyds tsb account. The account was a standard current account with no overdraft facility to begin with but i began by requesting £100 overdraft and things have spiraled out of control since then. Not all of the £2,258.24 was borrowed, a good proportion of it is charges, late fees and interest but i am unsure of how much. I haven't paid anything off the account for at least a 12 . It has only just been passed to iqor from BLS and i have alread
  18. About 4 years ago my wife and I separated. I had to leave the house and as a result my business went into decline. I had lost all telephone numbers and my business base as I would work from home. Because of firstly having to find rented accommodation for a while and then subsequently buying another house, I began to fall into debt. At the time I had a business account with Lloyds TSB which had an overdraft facility with a £10,000 limit, which I exceeded because I had no money coming in. A couple of years previously I had also taken an unsecured loan to buy a van from Lloyds of £12,000 plus £1,
  19. Hi all, Around three years ago we applied for a loan of £25000 (Payment £393) through our online banking, it was accepted a year later we applied again for a further £12000 (payment (£234) same method. the money was in our joint account within two minutes of applying both times. I myself was only working part time for an agency earning around £400 a month, i now do have a part time job earning £600 a month. I am going through a break up with my husband, i called lloyds tsb to ask them how we go about the repayment if me and my husband could split the loan between us. I was told that the loa
  20. My husband and I started a business in 2005 we took out a Government backed Loan with Lloyds TSB in 2005 for 50500 the following year I took out a second loan secured personally by me and my husband for 30,000 which they added nearly 7k of PPI. (I have put in a claim for this already and am awaiting confirmation). My husband resigned as a director as the business was struggling after 2 years to find another job so we were not both relying on the same income whilst I dealt with the business and the loan repayments. I was 7.5 months pregnant and went to the bank to say I was strug
  21. Hi I opended a complaint on the 22nd February 2011 to complain about the PPI on my mothers credit card. Since then i have had a few automated letters and 15 + phone calls with the case manager based in PPI customer care (credit cards) Newport, they can not advise how much has been charged in ppi, they have no issue a res ponce to the complaint because the members of the broad are still setting up the procedures in order to deal with the ppi complaints fairly. What should i do now ? they will not make any progress and have advised it could be another month minimum before anythin
  22. Hi, I am new to this site, sany help you can give is most appreciated. I have a bit of a complicated one here. In October of 2008 I think my bank account got over drawn (£300) through my own mistake and I rang them up asking them for help as if I paid it the following month I would then have no money left out of my wages to pay car insurance etc etc. Anyways I rang them up and spoke to some one while my account was still over drawn, the gentleman on the other end of the phone told me that as I got paid a few days later I would have to ring up then to get it sorted. So I rang back on pay
  23. Hello, I've been in a DMP with CCCS for just over a year, they reckon it's going to take 14 years to clear the debt, which is part credit cards, part bank loan, and part overdraft. The LloydsTSB overdraft is actually the smallest part of the debt, and stood at around £1200, a year ago. I've been paying them via CCCS about £5 a month. However they've continued to add on massive overdraft charges and interest - currently standing at nearly £28 a month. Clearly at this rate the debt to them is never going to be paid off. Is it really legal to charge this amount of money every month? and is ther
  24. Hi Everyone, I hope someone can help me please. I have received a Letter from London House posted through the door on the 30/09/10. I was going to be served with a Statutory Demand on the 04/10/10. I sent a Fax letter to London House stating that I do not know of any outstanding debts and only contact me in future by mail. The Statutory Demand was posted through the letter box on the 04/10/10 I was not there till thursday. On Friday 08/10/10 I sent the standard CCA letter to Hamptons and Lowell Portfolio 1 with 2 £1.00 Postal Orders. I also sent a SAR Letter to Lloyds TSB with a
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