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Logan154-Lloyds TSB/Credit Security


Logan154
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Hi All,

This may be long, I've got a lot to get through so bare with me.

 

I've reached that point where enough is enough! :mad:

Like in the movie "falling down" everyone has thier breaking point.

 

I have an account with LloydsTSB which they upgraded to a select account in 2003, giving me a £400 overdraft. They then gave me a £2000 credit card, all this at a time when I did not have a regular income (just started my own business after being made redundant for the Fifth time!).

 

I managed things ok for a while but then started incurring charges:(. This is where people say I should have managed my finances better but the first charges were for missed standing orders, I have checked my statements and I had no standing orders coming out. These charges led to the spiriling overdraft which is incurring interest and now stands at over £1000. My credit card is also now defaulted and I think sold on to a company called "Credit Security Limited". I have no info on this company and have no idea if they are legit, there website has no info, just a link to make payments.:confused:

 

In 2004 before things got bad with my accounts they gave me a loan of £2000. I had moved house at the time due to personal reasons and the man at the bank talked me into taking out the loan with my old address before changing my account to my new address which I thought was unusual :confused:. Because of all the problems this is now with collections as is my overdraft.

 

The ongoing problems made me fall behind with my council tax in 2005/6 which is now with equita (who are impossible to deal with :mad:). I am also behind with my income tax.

 

in 2006 I bought a car with welcome finance and was one of the many who had thier arms twisted into buying the insurances, I am now 3 month's behind with this. The reason I went to welcome was because of my poor credit rating.

 

Rant over for now, just needed to let off steam.

 

I will tackle these isues in differant threads but need a little advice where to post. Do I post each item in a differant thead or do I keep the LloydsTSB loan and current account stuff together as they are both delt with at the same collections office. Also is there a council tax forum or an equita forum and which do I post in? :confused:

 

Sorry for the rant and pop quiz, contacted TSB about charges last april but was fobbed off, wasn't sure what to do next, now I've found this site maybe I can stay on track and stay in the fight. :-):-)

 

On with the fight...

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HI LOGAN154

You have come to the right place there are lots of people on here who can point you in the right direction. Sorry i can`t answer your questions but i am sure someone more Knowledgable than i will come along soon.

Good luck paul

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Thank You blue4ever:grin:

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Hi Logan.

 

You will probably be best with two threads in the LloydsTSB Forum, one for your current account and one for your loan account.

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

 

Council Tax Forum can be found here.....

 

http://www.consumeractiongroup.co.uk/forum/local-authority-council-tax/

 

For Equita, which I assume is a bailiff issue, start a thread in this forum......

 

http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/

 

If not bailiffs then start a thread here....

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/

 

 

Hope that is of some help.

 

Regards, Rooster.

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Thanks for the fast reply Rooster,:)

 

I'll get my stuff together and start posting.

 

I'll read some of the posts first so I don't go over old ground.

 

Looking forward to more good advice and pointers.

 

Cheers Phill.

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You need to send Credit Security a request under the CCA for your account transaction info and a signed copy of the original agreement.Have a look in the debt forums for info about this you will find template letters there.

 

Credit Security collect for Provident (amongst others) and Vanquis card is part of their group too.

 

The address for these is;

 

Credit Security ltd

Cresdec House

Oxford Road

Stone

Aylesbury

Bucks

HP17 8PL

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks Martin,

Handy info, I'll get right on it.

I would have thought LloydsTSB would have used thier own collections dept. I had no idea who these were.

 

Cheers again,

 

Phill

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It depends Phil-some use in house collections and even farm out to agents.

As the accounts get passed around or sold on there can be many in the equasion over time.

Under OFT guidelines on debt collection there cannot be more than one active DCA chasing for payment-and you should be notified if the account is sold on together with who to.

Best of luck with it

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I wasn't notified it had been sold on at all but never mind.

 

Do I now send all correspondence to Credit security now then and not deal with Lloyds or does the debt still belong to them.

 

Also where do I post my thread on this, LloydsTSB or Debt colection.

 

Sorry I'm a bit naive on this :-?.

 

cheers.

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off to bed now, been on pc for 2 days straight, knackered

 

 

 

Ha Ha ...tell me about it !!!......Martin:oops:

Edited by MARTIN3030
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Hi Phil I will move it to the debt collection forums and you can log your progress there-I feel this is best place since we are talking of Debt,and have a name of those chasing.

Personally I would initially send Credit Security the CCA application and make it clear that you are disputing the account.If they are acting as agents then they will either tell you to wait while they get it....If they have it then they will send it...or they may pass the debt back.They have limited time to reply.Send the request recorded-keep a copy and enclose the 1.00 fee.Do not deal by phone and also do not sign the letters.

I think in view of the other issues you will be dealing with its a good idea to apply for copies of your credit files from Experian and Equifax it only costs 2.00 (for each CRA) and is well worth it.It should show whats what and you can reconcile this with the other things you need to sort.

In addition to this I would make a full SAR to LLoyds TSB and request copies of everything for accounts including credit cards and loans.

I will move your thread now and re-title.

I think for the moment you have enough to get you going.....but feel free to ask if you need any more help as you go.Keep everything in this thread cause it makes it easier for others to know the situation.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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