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  1. Hi I previously received the simple procedure paperwork regarding a LloydsTSB Credit card debt from 2013 for £1900 ish I did a bit of research and found this place so sent my response back as per what I found on here and fired a CCA request to Cabot ( I made one mistake and said I'd sent it recorded when in fact I sent it 1st class with proof of postage - no matter as they mention it in their reply which to me is an acknowlegement) I now have a case management meeting Next Week I have also received a reply from Nolans - both of which I'll add as PDF's (now that I've figured out how to do it) So, first of all, thank you for the excellent advice & information on here and secondly, how do I handle the case management meeting? what do I need to say and possibly, more importantly, what do I make sure that i don't say? SO1.pdf Nolans reply.pdf
  2. i had a current account with Lloyds which was closed back in 2007. the balance was over 10k. are there any time limits on Lloyds, or their agents, chasing this debt?
  3. I am currently trying to get £1,670 repaid from Lloydstsb I have sent the first letter off to them and they have replied stating that it was in my terms and conditions about the charges and that I should consult the OFT if I feel that I have been wrongly done to. I am prepared to go to court if I have a small chance of winning, however I have heard that Lloydstsb are one of the only banks that do not repay charges that they have made. Lloydstsb have currently got me overdrawn by £670 and I am in dire mess through them I have missed a mortgage payment and a secured loan payment I have had my phone and internet turned off and my car insurance cancelled it is a living nightmare, I have been to discuss this with my bank and all they said was to pay the charges and to cancel all the direct debits. But I need things such as my car,internet and phone for my work if I don't have them then I don't have any work and if I don't have any work then I don't have any money I am just going around in circles. Can someone please help......
  4. already had part payment from lloydstsb between 2000-2007 but they say that unless I can produce some documented evidence that I was paying ppi on the same credit card between 1995-2000 they don't have case to answer even though they have a signed credit agreement from me they won't pay out have proof that I spent in excess of £35000 on card
  5. Could somebody please give me some advice about those mentioned above. Its taken me a long time to get round to sorting out ex banks. Precis ...... 2005/06 Divorced, moved area was with Lloyds 2 current accounts and savings. financial meltdown and they weren't very helpful as ex refused to sort out money 2006 Opened account with Nat West 2 current and a savings and they were as bad as Lloyds. 2006 went to Barclays and they were great.and are good. Dec 2006 divorce finances sorted and by March 2007 Iwas only using Barclays. Nat West and Lloyds kept on adding the huge charges. In 2009 I sent off my £10 to both banks with letters and got them signed for. I didn't get anything back from them except to ask me to do a signature which I refused. Its just been hanging around since then. As I now have time to start sorting things would you point me in the right directions. Lowell have Lloyds Nat West not sure on and Marlin the second Lloyds. Many thanks.
  6. HELP! I had a loan with Lloydstsb that in 2011 went to Westcot. After 2 years paying Westcot monthly instalements (7k in total!) I still own according to them, same amount as owned Lloyds in 2011! Question is: how to find out if the debt was "sold " to Westcot? LLoyds would not discuss the matter with me at all and will only transfer my call to Westcot. Is it worth to pay off a lump sum? or to stop all payments to Westcot at this stage?!!! Help!! Thanks!
  7. Hi all, Its been a while since I posted on CAG, however I have always kept an eye on the forums regarding DCA activity! I need some help, probably rather simple, however I hope someone can point my in the right direction? I have been paying an old CCJ (Lloydstsb creditcard debt) to SCM since 2007 and would like to find out how much I have left owing as I have never heard from them prior to the standing order being sent up in the same year. Does anyone know the contact address or telephone number for them? Also, on a separate note I have never checked statements for charges / interest, so would this still be possible or even worthwhile looking into now? Any help is always appreciated. Many thanks.
  8. Hi All, I was wondering if anyone can give me any advise. I received a letter from TSB stating i could claim for mis-sold ppi on an old loan. I filled out all the information and sent it back. I then received a letter saying they had received it and was looking into my complaint. Today i received a letter stating they are not paying out. Reason are 1)The credit Agreement require additional consent in the form of a click to confirm box to confirm that you wanted ppi policy to be added to your loan It therefore be concluded that you did knowingly consent to addition of a ppi policy to your loan. As is was many years ago i dont have a great memory of the time i took out the loan and it was done online. What would be my next step? Do i have any chance of claiming? I dont have any copies of agreement forms of the loan as it is paid off afew years ago and i would have shredded them. Any help appreciated claire
  9. Dear All, I hope you can help. I had a payday loan with Debitcard Loans. When it became evident that I could no longer afford to pay them back, I ensured my wages went into another bank account and then let Debitcard loans know I could not afford to pay them back and requested their banking details to draw up a repayment plan. All requests were totally ignored. they attempted for about 4 months to take the money from my empty bank account, this forced the empty bank account to go overdrawn. After the first time, I went into my local branch and requested that this stop (I did not know about CPA then). Branch Manager (!) told me there was no way that this could be stopped, as they had my card details. I "lost" my card the next day, and got a new one. Debitcard loans somehow still managed to force payments (attempted payments) through, and this created more unauthorised overdraft fees, interest charges and penalty charges. This was sometime in 2011 if I remember correctly. Lloyds kept on phoning me asking me for payment, I would say that I dispute the amount now owed (over £400) and requested statements. I never got any. I attempted to get statements using my online account, they had deleted my online account from my online login. Fast forward to Monday the 5th of August 2013, Mackenzie Hall phone me up wanting payment for this. Told them not to phone me, but to email/send me a letter as I dispute I owe anything to Lloyds. Put the phone down. Get a letter in the post today, in a familiar brown envelope that Mackenzie Hall favours, with the Bellshill return address and "This is not a circular" on the envelope. Surprised to find that it is on LloydsTSB headed paper, telling me debt has been handed over to muckheap for collection and gave me all of Muckheap's contact details and that I should now contact Muckheap. Was signed by Claire Thomson. Which made me suspicious. Looked Claire Thomson up, and yup, she works for Mackenzie Hall. So... should I notify lloyds Muckheap is forging letters with their headed notepaper? Obviously I think this should be forwarded to the OFT as well. As well as this, I need guidance now on what to do with this "debt". I think I should SAR LloydsTSB right? Would the template do, customised to my details? I anyone wants to see, I can scan the letter from Muckheap pretending to be Lloyds.
  10. Hi all, back in 2000' I took out a CC with LloydsTSB, was fine for years but Lloyds kept increasing the amount I could have until what I could afford to pay wasn't even paying off the interest let alone what I had spent. I wrote to LloydsTSB and gave them an expenditure and paid £1 a month and they froze the interest, this was around 2009' ish, I have been paying the £1 a month since not missed any. Last few days I have been getting calls from Cabot, so I just done a noodle credit report and for the past 3 months I have been paying the £1 to LloydsTSB to no affect as it seems they have sold my debt to cabot and not even bothered telling me !! When I answer to Cabot they either put the phone down or there is no one on the other end. I have just phoned Cabot and spoke to someone who said they have the debt now from LloydsTSB, and said the outstanding is £3934, but this month I could pay £1575 and have the debt finished. Has anyone had dealings with Cabot that you could say I have raised £1000, would you do anything in regards to wiping the debt for this amount, or continue paying Cabout the £1 I was paying Lloyds ? Any info appreciated Thanks
  11. I've received and appreciated some great advice in my other 2 threads, and this is the final piece of the jigsaw that hopefully ends my 7 year financial nightmare.! I've completed my FOS PPI questionnaire to send to LloydsTSB, but I have some queries before I send it off. As it's worth about £3500 I want to try and cover all bases so there's no surprises. First obstacle is that it's from a loan taken out in 2002, and paid early in 2004. However, even if the bank claims not to have the records - I do. In fact for some reason it's the only pre-2005 financial data I've got. If they insist they don't have the info, and can't move forward despite the info I'm sending with the questionnaire, should I ask for a 'Proof of Destruction' letter (or whatever its called)? Next, I've just had an old TSB default that was sold to Lowells become statute-barred. Presumably as TSB sold it, they have no claims on using the PPI refund to 'set off' the now statute barred default. Finally, in my covering letter, should I provide a breakdown of what I think I'm due, or should I let them come up with a figure first? Oh, and should I send it RD? Is there anything else I should be aware of?
  12. Well, I'll keep the story brief, I put in a complaint against LloydsTSB, with whom I have banked with for the last 3 years, as I have been asking for an account upgrade from my basic account, which they still refuse to do. I have run a good account, have my wages paid into it each month, which is well in excess of £2,000+, yet they won't upgrade my account! Now, the reason for having my account upgraded is, apart from the fact I would like a 'normal' account, is the fact their debit card only works in their LloydsTSB machine's. Now I work all kinds of hours, and sometimes very long hours, if I need to get some cash out I have to go searching for a LLoydsTSB cash machine! I have aksed to be upgraded many times, and can see no reason why they cannot upgrade my account? I have not asked for any borrowing, and I present no risk to the bank as they no longer issue cheque guarantee cards, so where is the risk? Now, my credit history is not the best, I have a couple of credit cards, one gets paid off in full each month, but what really annoyed me is I know of a few cases where they have upgraded a persons account after only banking with them for about 7 months, dispite having CCJ's on their account!!! This is discrimination, and I reported the matter to the FOS, who have so far taken about 4 months looking into this, and I have just recieved a letter, telling me they are giving LloydsTSB upto another 3 months to respond! This is a joke!!! BTW: Before anyone tells me to go to another bank, I like LLoydsTSB online banking service, its better than most. i also do not want to spend further years having to prove myself to another bank!!!
  13. Hi, LloydsTSB upheld my ppi complaint, but have not reimbursed the full ppi amounts. I submitted a claim, the court replied with a date of 20th Feb in which the defendant had to reply. I requested Judgement on 21st Feb, they acknowledged on 21st as well. My judgement request was first. MCOL state that this is common practice, yet CPR rules dont say that. Shall I make an application to strike out the claim, as Lloyds have upheld my complaint in any event, and they have no real prospect of sucess??? should I make this application at my local court and not northampton? any help much appreciated.
  14. Hi all, I have recently sent out SAR to LLOYDS TSB please see my letter below, then the reply from LLOYDS TSB, what a joke, how can they delay my SAR like this?? Any suggestions what I should do / template reply letter. I do not have any account numbers etc.Also the cc and loan I had were with TSB (who they now own) should I have stated it was TSB ?? LLOYDS TSB PPI CUSTOMER SERVICES BX1 1LT Date 20 FEB 2013 Dear Sir/Madam Please send me all data that your company holds relating to my entire account history. Previous address other than above, if there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. XXXXXXXXXXXXXXX, DO NOT SEND ANY XXXXXXXXXXXXXXXXXXXX CORRESPONDANCE XXXXXXXXXXXX TO THIS ADDRESS Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account. I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice. All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days. In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves. It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal. Whilst not exhaustive and for the avoidance of doubt I shall list what I require: * Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same. * Copies of all statements relating to the above accounts. * Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts. * Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them. * Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. * Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party. * Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information. *Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party. * Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. I enclose the statutory maximum fee of £10. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. You have 40 days to comply with this request. If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office / FSA which could result in a fine and prosecution. Yours faithfully, ME Dear xxx Your request for information under the Data protection Act 1998 Thank you for your latter dated 20th Febuary 2013 requesting information ubder section 7 of the Data protection Act 1998. Please be advised having checked our records with the information you have supplied we have not been able to trace any accounts with Lloyds TSB bank plc. To enable us to complete your request, please could you supply an account/loan/card number, or any Lloyds TSB account numbers as this may assist us in identifying your records. We are returning your request and £10 fee with this letter. Please return the request, letter-of-authority, and fee to us with the required information above. Yours sincerely Joanne Blake Data Subject Access Requests Any help / response or experience regarding this kind of reply top a SAR would be welcome, thanks for your help and I hope this threat helps others any help I can give just ask Thanks all STUARTPPI
  15. I'm wondering if anyone has a number for LLoydsTSB where I can contact them about my account being transferred to LLoydsTSB Scotland. Briefly, my account is held at my previous branch in Somerset. When I moved to Shropshire, I asked to transfer my account to the local branch but LLoydsTSB refused saying it was not necessary. I have used the local branch in Shrewsbury for the past five years with no problems. However, my branch in Somerset is being transferred to LLoydsTSB Scotland along with my account. None of the local branches in Shrewsbury are being transferred which leaves me without a local branch. I really want to find out where this leaves me. I've banked with LLoyds for 45 years and I'm feeling a bit miffed about this.
  16. Hi, I have found some old paperwork regarding another matter (under a different thread), that also includes all the paperwork for a LLoydsTSB bank loan that I took out sometime around 2001. Now on this paperwork at the bottom it states: Optional Loan protection YES ticked Premium advanced as part of loan YES ticked Now I was not working at the time loan was taken out & was in fact registered disabled. So there was no way I could have claimed anyways. Can I claim anything back at all & if so, how do I go about this. The Documents I hold are "Credit agreement regulated by consumer credit act 1974" which gives details of the loan amount etc. Also 2 pages of "Terms & Conditions" this is all. Many thanks
  17. 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?
  18. Hi, I'm not sure if this is in the correct place? Anyway I recently sent a SAR on the 27/09/12 via signed recorded, which they apparently didn't receive it till the 01/10/12. More recently they have sent me one of their standard signature request letters dated the 12/10/12 , which I assume is a stalling technique, as the letter I originally sent was signed, dis-regarding this I decided to go with the flow and send them back the signed request to get things moving ASAP, they have then written back dated the 16/10/12, that they have received the signing mandate and will be processing it within 40 days from the 16/10/12, as they hadn't received all the documentation that they required at the original date. Could someone please help, I don't think I've ever been so frustrated with a bank, especially one that I've had no prior problems with. All the best John
  19. I joined Lloyds in december 1996 with my small business, throughout the past 16 years service has been varied, it was better when I was chucking loads of money into the account. Recently due to the recession my business has suffered quite badly and at times has gone slightly overdrawn, but it always recovered, ok I had a few charges here and there but that was expected until recently when I was surprised to see a cheque I'd issued put the account 1p overdrawn, Lloyds bounced the check and charged me £70.00, considering this harsh and excessive I called the business managers (that's a joke title, it has to be) anyway I was not the happiest of bunnies at the time and my mood was made worse by the negative and unyielding attitude of the guy I was connected to. In fact I got so annoyed I hung up. Two days later I had a text from sky saying they'd been informed by Lloyds that the direct debit had been cancelled, I had an email from O2 saying the same, at this point I logged onto the account, where I found all (approx 35) direct debits had been cancelled leaving just a standing order to my accountant, thinking this must be a system error I called Lloyds to be told it is very strange and they would investigate, later I found Lloyds had done it deliberately. I went to town, withdrew all the cash from the account leaving loose change in there, I closed the account, signed the paperwork and was told it would take a few days to close, and I would receive a cheque for any balance. I immediately opened a new account elsewhere. I have a loan with Lloyds and about a week after closing the account I was still getting daily texts (mini statements) I thought this was strange as the account was supposed to be closed, I found the "Closed" business account went overdrawn! I called Lloyds to question this, they said it's the loan repayments, I said the account is supposed to be closed and I offered to pay by standing order, this they refused, they said they will continue to keep the business account open despite my signing the papers to close it, and they will continue to take the loan payments from it, so obviously they'll be adding unauthorized overdraft charges too! I have written a letter of complaint to Lloyds and kept a copy, stating I have no desire to bank with them, I will not be paying any money into the business account I'd closed and repeated my offer to pay the loan installments by standing order. I have kept a copy of this letter which I sent recorded delivery. I have also contacted the ombudsman who said I do have cause to complain. The thing is I asked Lloyds for an overdraft facility several times, they refused, the just kept on bouncing and charging. Cancelling all my direct debits without any notice has caused a serious number of problems including my daughter's car insurance got cancelled. It was 3 days after they cancelled all the direct debits I received a letter from them saying they were going to do this and I should contact them. The service over recent years from Lloyds has got worse, I could never get hold of the business managers, they would never return calls, the call centres outside the uk were worse than useless and I'm glad to be out of the clutches of this nasty bank, well almost, I still have to get them to close the business account! My question is this, can Lloyds keep that business account open against my wishes? can they refuse the loan payments via an alternative route from my new bank, can they impose charges when they put the account into overdraft by taking the loan payments out when they know I closed that account, and offered to pay the loan installments from my new bank via standing order, (I wouldn't trust them with a direct debit) Oh and I see they don't bounce the loan repayments! If they paid me I would not bank with them ever again, it's a matter of principle, they are an awful bank, oh and just to top it off I've started 4 ppi claims against them.
  20. Hi I was discharged from Bankruptcy 3 years ago, and was advised that I should start to rebuild my credit rating. To start with I was advised to check my credit score, which I did with experian. In the report, two red flags flew brightly. These were two old LloydsTSB accounts showing as defaulted (circa £10k -which as an aside were pretty much 100% made up of bank charges incurred whilst going bankrupt!). Experian advised that I should get confirmation that I am discharged from bankruptcy and show this to Lloyds so that they can amend the status on these accounts. This I duly did. Today I receive a letter from Lloyds, acknowledging receipt of the info, and stating that the status of these accounts is now set as "Partially Satisfied". My questions are... What does this mean, in respect to my credit score? Are Lloyds allowed to do this? After all, being discharged from Bankruptcy means all your old debts are cleared (thus fully satisfied) What should I do now?? I'd appreciate any help/advise you can give. Ta LM
  21. Hi - I am in process of claiming back ppi on a number of loans and credit cards going back to 1998 with LTSB. All of the accounts in question were settled. However, I am in arrears with a later loan with LTSB which has been passed to Apex (for collection, I don't think its been sold). If any of my claims are successful can they be kept by LTSB and used to pay off balance on later loan?
  22. Hi - I am starting the claim process with LloydsTSB on a number of loan and cc accounts. Two of the loans I had were taken out when I was postgrad student - 1st in 1998 and 2nd in 2003. LTSB have given me the details of both loans. I wasn't able to access their professional studies loan option but they did give me the regular loans. Both were sold in branch by advisers who were supposed to be knowledgeable about student finance. My only income was a research council grant and from occasional teaching at the university which was irregular. I have used this as my main complaint reason. However, on both loans the ppi was added at the start and paid for with an additional loan, to be paid off with the general loan. I paid one DD. Is this what is meant by single premium, or front-loaded, PPI? And, if it is, is this generally regarded as a credible reason to complain about mis-selling on its own merit? Many thanks
  23. Hi All, I went bankrupt November 2008, i included all my debts and everything went fine and i was discharged in November 2009. I had a loan with Lloyds Tsb for about £6000 which was included in my bankruptcy and this was marked as satisfied/settled on my credit files. However i recently checked my credit files to do a clean up and discovered that there was a company on my credit file, TTI SPC, which i had never heard of but the account number and amount owed were the same as my Lloyds tsb loan. I contacted Lloyds who have said that their credit file was correct and that they had passed my account over to Groves who wont contact me for payments,etc. I never received any correspondance from Groves or TTI SPC. They have defaulted me from November 2008 to now. Anyone had any dealings with TTI SPC? Thanks.
  24. Hi I recently read a lot about claiming back PPI money. I got my credit card about 2007 and never realised the insurance was not obligatory. I've read most of threads and I suppose I know what to do. I'd like to send the first letter to LloydsTSB.. Could someone check and correct the letter as English is not my mother language and there could be some unnecessary words...Also could someone tell me what chances have I got to get money back based on the letter. "I am writing in relation to the above payment protection (PPI) policy which I believe was mis-sold to me. I believe you have not treated me fairly for the following reasons; I was under impression that the insurance was necessary. I was made frightened that in case loosing my job or in case of serious injury, I would not have any way to pay back the credit. I was asked if I had any savings or any other source of money to repay the credit. Obviously if I lost my job, I would not have but my wife had been working at the time and I could use her wages. I also had had some savings in account abroad so I could use that money. If I were aware that I could use them two sources of money to pay the credit I would not take the cover. I have to say that on top of that the salesperson was very pushy when selling the product, so I felt I could not say no. Your salesperson did not tell me that the policy was optional and I could take alternative insurance cover. Based on above factors I believe the policy was not sold in my best interests. Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay. I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint." One more thing... Do I need to know exact sum of premiums I paid? Thank you. Tom
  25. Hi folks, I'm new to the forum and I need advice about the crippling bank charges on my current account. Due to a reducion in our joint income we have been struggling to make ends meet for a few months now. Down to the last few pennies before payday. Last month I went past my overdraft limit by £25 although I didn't realise for 5 days .. the lovely ppl at Lloyds charged me £50 for the privilige. This was debted at the begining of this month when my overdraft was already maxed out. I was unable to raise funds to clear this "unauthorised overdraft" for 6 days and therefore will face charges of £60 + all their extra's (overdraft useage fee, interest, account fee etc) next month. Its their charges what are putting me into the red then they are charging me again for the privilige. Is their anything I can do about this ?
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