Urgent Advice on LTSB Classic Credit card

[dandare2020]

HI all

Hope your all well. I'm after some advice please this might be a bit long winded but it'll give you a better picture. I'll start with today and then go back to the history.

I arrived home this dinner to have received a letter from HMHcollections i think there called saying i owed Llyods £347 on my card i will call this a surprise for the simple fact i closed my account 3 1/2 years ago and then again 2 years ago. I have since left my parents house and live in my own. I have received no statements for at least 2 years. I have received some letters from there collection department which i have replied to with no response.

I then rang the collection company who to be honest where helpful. I advised them of the following information the fact i closed my account 3 1/2 years ago and then again 2 years ago. I have since left my parents house and live in my own. I have received no statements for at least 2 years to either address. I have received some letters from there collection department which i have replied to with no response. They had rang me on various occasions with no outcome to my questions such has why haven’t i received any statements for two years or more and how come i owe you money at this point it was about £1800 in total they said they would get back to me but never did. I then sent letters with no response. today when i received the letter and spoke to the collection company she advised me my total bill is now at £3400 i could not believe it i can't understand where lloyds are getting this from as far as i'm concerned the account has been closed for over two years i haven’t spent any money on it. She advised me to write a letter to the concerns department at llyods but like i say i must have sent 10 letters at least 5 reordered to no response. What do you think i should do i'm personally ok at the minute but i can feel myself getting quite stressed the longer it goes on.

Many Thanks for your help and sorry if you can't understand what i've put i'm a bit peed at min

Many Thanks

Dan

[nicsussex]

Hi Dan - not quite sure what you mean by closing your account once three and a half years ago and then again two years ago - do you mean you closed the same account twice?

[elsinore]

Also, you mention £347 in your second paragraph and £3400 further down. Is the first figure a typo?

 

Els

[dandare2020]

hi thanks for your response i closed the account down but they didn't work out the intrest right a year and half later they sent me a going to court letter out of the blue. I then paid the balance at the time i was scarerd so just paid i then closed the account down. To the other question i recived a letter saying i owed £347.00 it was in arrers but the total figure i owe from what she said on the phone is £3400

 

Many Thanks

 

Dan