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Found 13 results

  1. Hi I've received a county court claim form from Marlin Europe II LImited Via Mortimer Clarke Solicitors It states By an agreement between Lloyds Tsb ("LTSB") & the defendant on or around 01/07/1994 ("The agreement") LTSB agreed to issue the Defendant with a credit card upon the terms & conditions set out therein. In Breach of the agreement the defendant failed to make the minimum payments due & the agreement was terminated. The agreement was assigned to the claimant on 28/11/2013. The claimant therefore claims 1: 13238.23 2. I
  2. Hi, I'd really appreciate some guidance on the following: I've requested an SAR from Lloyds TSB a couple of weeks ago and yesterday, I received a letter from LTSB requesting a signature and completion of a Data Subject Access Request Form (4 pages of pointless questions as far as I can see). Tackling the form first, can I politely tell them to stick their form as I have already given them ample information in my original SAR letter with the £10 postal order and remind them that the clock is still ticking? Regarding the signature, I can go one of three ways: Continue as
  3. Sent a complaint to FOS re mis-sold PPI, after claim was rejected by LTSB, in August last year. As I hadn't heard anything I rang FOS today and was told that LTSB are denying that I had PPI on my card. This is despite the fact that they sent a rejection letter. The agent I spoke to said that the complaint had been passed to a specialist investigation team for further action. Before I got the rejection letter, which took 8 months from the initial complaint, I received 2 letters from different departments denying I had PPI. I have all my statements and transaction history provided as a result of
  4. Hi Everyone, I'm posting this again as I was concerned that it wouldn't be easily noticed tucked behind another thread. I found this forum a couple of weeks ago when I Googled Allied International after they had left me a voicemail asking me to call them. I also received a WARNING card from them informing me that they are acting on behalf of their client LTSB and I should contact them urgently. I had a Goldfish loan which I paid for four years without any problems until I started having difficulties back in Dec 07. I contacted LTSB and asked if I could reduce my paym
  5. Hi, I currently have a credit agreement (loan) with Lloyds TSB and I am wondering if it is unenforcable? I really have been treated appallingly by the above company as I asked them 3 times for help and they refused (claiming interest rates) even though I was struggling financially (to which they just shrugged their shoulders). I then had to go with a debt management plan through another company. But Lloyds TSB still harassed me even when I was in the plan. I read the unenforcable credit agreement thread, but I had difficulty understanding it and am wondering if someone could
  6. i am fighting ltsb for overdraft/account maintenace charges ,so far they have offered me £450 credit on original £840 ,still no sign of credit on account,supposed to get it within 2-3 days nearly four weeks and nothing !. the default was added 15 months after i entered dmp with them ,i am disputing this as i thought ico guidelines were 3 months afteraccount is not being used correctly,as i believe i shoud have been defaulted in march 2009,it was defaulted nov 2011.All of the charges were account maintenance charges ,can they default these?
  7. Hi all After going into my local LTSB branch and requesting old account history I was supplied with a print out detailing five loans (all closed) that indicated insurance was included. I sent a SAR and now have loan amounts and terms but no details of PPI. The enclosed letter stated that LTSB are not the data controllers for this information and that this had to come from LTSB Insurance Services. Where do I go from here? Is this just a fob off? Can you SAR LTSB insurance? LTSB Insurance is based in Newport, I rang but got nowhere when asking for
  8. Emrys

    LTSB / Apex

    My current account with Lloyds TSB has been handed to Apex for recovery with a balance of just under £700. I have written to TSB on several occasions advising them that I have no phone to call them on as I can only afford line rental for my internet access at present. Now the question is do I acknowledge Apex by issuing them with an offer of repayment? Their letter requests I make contact within the next 10 days as they require or deal only with TSB, who to date have ignored my complaints and letters totally, instead simply sending me a default notice etc. This all began wh
  9. I have a LTSB Classic account and was told there is a £10 buffer zone, it's not my main account though. However today they returned a Direct Debit for the sum of 1p. I thought that the £10 buffer would have come in and the DD paid. I am a Carer and had to see to a person over the weekend who had no internet access, but can't believe for the sake of 1pence. I rang the bank helpline and the person I spoke to didn't know what the buffer was there for? ie what it covered. It was for a payment to Orange Mobile for £9.19, yet they payed one of these continuous payments which
  10. Hii, Although a newbie, I have been viewing for a while, just no need to post until now. With the changes over the past couple of years with new judgements etc, re validity of DNs, reconstructed CA's I do not feel sure of what I should do. My history : approx 5 years ago, I had to take control of spiralling CC's and 2 loans, as I was unable to meet repayments. I called one of the free DMP's and I have been repaying, at a reasonable amount for the past 5 years. Some CC's accepted payment plans, Lloyds have never accepted and have always sent arrears notices. To be honest, I contacted
  11. Hello everyone A few years ago, this site was fantastic in helping me win back my own PPI. Regrettably, I find myself in a simialr situation with my Husband's account. 1.Lodged a complaint against ppi back in Sept 2009. Did not hear back at all about this CC although won for the same reasons against two LTSB loans. 2. Contacted them back in 2010 to find out what had happened - said it had become lost in the system. A new complaint was therefore lodged. During this time, my hubby was under hospital investigation for throat - so I did not keep on top of the compla
  12. OK, long story. I had a LTSB loan and current account, which were closed over five years ago. The only transactions that came out for months before that were LTSB’s own charges. I’m well aware that this means the ‘accounts’ are close to being statute-barred. In fact, looking through the statements, if LTSB’s own charges are not classed as being ‘my payments’ by law, then the accounts would be SB already.. Anyway, shortly after that, the account was predictably passed to various DCAs, by which time LTSB had ‘consolidated’ the two accounts into one. I sent a CCA
  13. Hi, I have a few other threads for LTSB, but this new one is specific to my Loan and interest etc. I hope that I haven't duplicated over two threads but I wanted to keep this one separate. This is long, and I will try to be as concise as possible. I would like to ask for advice as what to do first, and wether the interest payments added are legal and correct. I am missing some information, and I have sent 2 SAR’s to LTSB, the 1st accidentally went to HBOS (address incorrect on ICO register and recorded signature failed so reclaiming from RM for ‘lost’) and I await the documents
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