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About Me


  1. Hi all, Right! - this could be a difficult one. My wife has a Lloyds bank Trustcard credit card which goes all the way back to 1988 and has PPI on it throughout the 30 years it's been in existence. Now, the CC is still active although the balance is now zero as i managed to finally get it all paid off around June 2013. The card was originally issued as a Cheque Guarantee card for her current account. This was issued when she opened the current account. What wasn't initially obvious was the fact that it was also a credit card with a separate credit card account.
  2. New one this for me...a little help required?! My Wife has a TSB credit card, has had it 17 years no CCA at all. Have nt heard from them for over 6 months. Have sent Resolve Call, Moorcrofts and 2 others letters in the past asking for CCA AND Letters and they all give up and say they have passed it back to Tsb. Today though we receive this new one "We have been instructed by our client to recover the overdue debt. We DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below. Your failure to comply could result in a DEBT COLLEC
  3. Hello all. My wife has been receiving texts from TSB telling her that she is overdrawn and detailing the amounts spent and where for over two months now.....but she doesn't have an account with them. She has phones them three times to complain that she has been worried over this, thinking that she may have had an account with them that she had forgotten about, etc. TSB say that 'someone must have put your phone number in their details' but haven't actually done anything about it yet. Please can I ask what she should do about this?
  4. Hi, I have an old Bank loan from the early 2000s that I was making small payments towards until about a year or so ago when I ended up out of work. I think it was with Lloyds but I forget now as I had a lot of debt at that time and paid off a lot of it but not all. The balance is £3,7xx. Having receieved a lot of letters from Cabot since I stopped paying (which I foolishly ignored) I have now received a letter from Shoosmiths saying that :- "your agreement with our client is terminated and our client requires your proposals for payment, in the short term. PLease t
  5. I was a Lloyds TSB customer for 30 years. Lloyds left some years ago and took all the sensible staff with them. The place is a complete shambles now. I was embroiled in all the TSB nonsense in April. They refused to let me close my accounts online or by phone. I hadn't been able to access them for 6 days. I had to go to the Boothferry Road, Goole branch where pensionable staff took 40 minutes to decide how to shut them down. I was then handed £2000 in notes, without having them counted out in front of me. We are currently embroiled in a county court claim because I made a subject acces
  6. Hi, its been a while since Ive been here. Just logging on and telling my story about TSB and a sim swap that emptied our accounts for a while. TSB have changed the way customers have to log in via an APP, whereas before we had a card reader. I never use the app as it doesn't work on Win phone. TSB facilitated a fraud on our account after a sim swap was made. They sent a one time password to someone, who then logged in and emptied the account. Once I tried to log in, I spoke to TSB and noticed this. I then tried contacting their fraud dept, but because it was a
  7. Following the TSB website issues back in April I wrote a letter requesting to close my Classic Plus Account, this letter was never acknowledged! even providing valid reasons why I want to close the account, in the end I withdrew all funds out and transfered to my main account with another bank, so the TSB balance stands at zero I have made several complaints to TSB online, all i recieve is a bog standard letter every so often saying please bear with us as we are dealing with your complaint one letter from TSB i received had another customers letter included!!
  8. Hi all Lloyds are a bunch of @@@@@@@@@@@ Early 2004 I had credit cards with Easymoney and Morethan … the card issuer was Lloyds In 2006 Lloyds took both over reissuing their own cards. DX100UK … can Lloyds offset any earlier PPI against the current debt? I submitted SAR on 16 May for both and received a copy of one the agreements no mention of which dated 2004 and Lloyds statements for bothe Lloyds accounts 2006 and 2007 but nothing from 2004-2006. they claim they only need to send last 6 years statements... ive sent a chaser on 21 Jube … so far nothing... I
  9. Over the last 3/4 years I've had a joint loan with Lloyds. During this time we missed a few payments and they continued to take them and make our bank account very overdrawn, then when it went so overdrawn they stopped taking payments and took monthly bank charges. 12 months ago we managed to come to an arrangement with them, but this is no longer sustainable. The other day we received a new loan offer with a higher APR/interest rate, I called them and declined to transfer the loan over. Today we received a letter confirming they will continue to accept a 'concession' payment of near
  10. This goes way over my head, I have had a long painful complaint with Lloyds and do not want to bore you to death so will bullet point the occurences: Mortgage taken out as first time buyers 1996 conveyancing solicitor did not perform completion and contracts signed over a receptionist desk no solicitor present. transpires we purchased a property that did not reflect what was explained on the estate agents property description. Lloyds wrote to me in 2003 and advised that the property was not registered with the Land Registry, they advised they would sort out and appointed
  11. At the beginning of this year i was shocked to see 2 companies that i didn't recognise taking money out of my TSB bank account via my debit card. Add's up to approx £15k i was oversea's at the time i called and informed that these were not my charges [ one charge after the other]. They would tell me the correct person was not there or that i had to speak with someone in fraud department but could not have the number. They had to call me. I waited and got no calls. I was shocked that despite informing the bank of these fraudulent charges that new charges from
  12. Hi, I've not been on this site for a while!. Does anyone have any experience with the PRA Group? I have a balance of £1297.80 from an old overdraft with Halifax/Lloyds TSB. The original default notice from the Halifax was 17/8/2011. I have been paying the PRA Group £5 per month as a token payment. PAR Group have now offered a measly 10% discount in full and final settlement. I've recently come to an agreement with another DCA and that was nearly 50% discounted . In the past I have offered to pay 30% of the debt to PRA Group but they have declined. The debt
  13. I've been asked by my Step Father to enquire about reclaiming Mis-sold PPI by the TSB on a loan he got back in the eighties. I've never had PPI myself so although I know it's a big thing now, I have no clue on the process of claiming. I know it is advised on this site to NOT use a PPI Claims Company because of the charges incurred. What I have been looking for is a Template Letter I could use to print off and maybe help him as best I can. Also, with the TSB now being Lloyds, can he still make a claim? If so, to whom? I also doubt he would know his old account n
  14. Dear All, I've read numerous threads on here of people in a similar situation, and everyone seems to know exactly what to do. Me? Nope, I've turned to jelly and don't know what to do. I received a County Court form on Friday. I've detailed more below: Name of the Claimant ? Hoist Portfolio Holdings 2 Ltd Date of issue – 30th August 2016 Date of issue - 30th August 2016 Date to acknowledge by - 19th September 2016 Date to submit defence - 30th September 2016 What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £41
  15. I opened an account in 2007 with Lloyds bank whilst I was 16 years old and living in the south of the country with my girlfriend at the time. I then moved back to the north of the country but did not change my home address and all my mail was withheld from me for about a year. I had gone overdrawn on my account by £5.40 and did not know of this because my mail was being withheld and had no cause for concern. (I should have changed my address). September 2008 I received a letter from Lloyds TSB demanding I pay £479.03 of the £679.03 balance in full in a couple of weeks. Due t
  16. Hello all, I have received a claim from 1st Credit in regards to an alleged Lloyds TSB Loan. Unfortunately the claim form came whilst I was on Holiday and so I have missed the date in which to respond. As advised by your Set Aside section, I have contacted both the court, and their representative. Whilst it bugs me to pay the Application fee (as I had no chance to respond) I want to still defend this. So any advice will be appreciated. Just to advise, I have not sent any letters as of yet, however, I did a SARs a year or so ago and so have a lot of paperwork that
  17. Hello, I hope I can get some help here about the worst case I ever had with a Bank. One month ago, exactly few days when I got married, my debit card details were compromised and more than £6000 were stolen from my debit card and paid into some online gambling site in Gibraltar. I found out about these transactions the day after the were made and immediately called my Bank - TSB. I had two accounts with them - a personal and a business one for my limited company. I spent hours on the phone with their customer service, then the fraud team and even they have some "
  18. Hi, I had a default with Lloyds TSB a few years back, which Lowell took over. A few days ago I received a letter through the post from court saying Lowell want this debt paid and I have 14 days to respond. The original debt was made up of charges (because of an unplanned overdraft), The total amount owed is around £1400 and I just refused to pay it and buried my head. Is there anything I can do about this now or should I just accept and pay it in installments? Really don't want a CCJ. Thanks
  19. hi everyone just trying to sort my debt mess out at the moment to be honest I'm struggling to keep up with things and seem to think of nothing else every day just trying not to let it crush me. Ok hear goes, had a letter from LLoyds saying they passed my debt on to Marlin Financial Services ( Debt is a current account over draft for £5000 this was at the height of my debt problems and the over draft started at £2000 and I applied online for extra overdraft and was granted each time until it reached £5000). Then yesterday had a letter from M
  20. stevvieboi

    TSB credit card

    hi folks, looking for some advice, if anyone can offer some help, i had a lloyds credit card, which was then changed back to TSB credit card, at the time was not much left on my card to spend, and the minimum DD was set up to collect for every month, was a small amount left on the card to use, which i did while away in Spain, while away TSB lowered my card by £50, which then put my card over the new limit set by TSB resulting in several charges, yes i am guilty of not checking my account that often, but presumed i was ok, as it had min b
  21. Hi, I have become disabled and as such my income dropped from about 70k a year to 40k over the past couple of years, I had various periods of 6 months of work with no income due to my disability and i had been diagnosed with Depression and ADHD. I contacted Stepchange and have a case number, and it suggested with IVA or Bankruptcy. My overall debts are over 40k I am trying to put in place a DMP with my creditors as an interim measure for 12 months to see if I can improve my income level. I contacted TSB on 25th July and spoke a representative (i took details of the ca
  22. I have a legal document which gives me authority to deal with any and all of my disabled son's financial affairs. Lloyds TSB denied having seen the document but I have proof they knew about it following an unrelated incident some years earlier. Without my knowledge or permisson they mis-sold my son various insurances, let him overdraw his account and lent him THREE loans. The second loan to pay off the first and the third loan to pay off the second. In all, they are charging him a monthly fee for the privilege of having overdraft, charges for unauthorised overdraft, charges
  23. Back in December 2015 I received a letter from a credit agency (Wescot) stating that they were chasing a TSB debt of £4762. This came as a big surprise to me as I stopped using my TSB account about 6 years ago. I moved all my payments in/direct debits/ etc to a joint bank account (I did not close the account), so have not knowingly used the bank account since. I then moved house, but rather stupidly did not close the account. My only thoughts are that maybe I missed a direct debit, or used an online account that that was linked to that bank account!! I ask
  24. In early 2000, we moved to Canada from the UK, At the time we owed ~13000 pounds to Lloyds on a credit card. Until around 2013 we struggled to pay the minimum balance, by this time it was transfered to APEX. In May we asked for a CCA and paid the fee. APEX acknowledged the request in writing and informed us they had asked lloyds for the information. The account was placed on hold. We still have not received that information As of today Lloyds have informed us they have sold the debt to 1st Credit. My many questions are as follows 1) Should we ask 1st Credit for the CCA? 2) A
  25. Name of the Claimant ? CABOT FINANCIAL (UK) lTD Date of issue – 03 MARCH 2016 What is the claim for – 1.The claimant claims payment of the overdue balance due from the defendant(s) under a contract between the defendant(s) and Lloyds bank dated on or about Apr 24 2008 and assigned to the claimant on Jun 27 2014 Particulars a/c no *************** Date 04/02/2016 Item Default balance value 7458.73 Post Refrl Cr NIL Total 7458.73 What is the value of the claim? £7969 inc Is the claim for a current account (Overdraft) or credit/loan accoun
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