Pfc01 v Lloyds

[Pfc01]

One massive amount of information on this site! Ploughing through slowly. Would I assume my outstanding debt and queries about it be on some site against Banks. My CCJ is due to Lloyds TSB on overdraft and loans etc.

 

Would be grateful as to which site I need to post.

 

Visited my local court offices today and they have advised me to contact Northampton CC. This I have done, by letter and email - no response. Would/should I contact Lloyds direct? I am unemployed and fed up getting letters saying pay this amount or the bailiffs will be round.

 

My plan is to try and get a variation in the amount I have to pay and have a go at bank charges?

 

Thoughts anyone please. Beginning to lose it sometimes.

[Pfc01]

Having read so much I am now confused as to what to do. Can someone give me a starter for ten as to how I am supposed to go?

[deb4tlj]

Let me see if I can help you here my love - it's difficult getting your head around all of this sometimes. I would suggest your first place to look would be here;

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

If you have creditors/dca's after you the first thing to do is to get letters off to all of them and get yourself on some sort of repayment plan - you could contact your local CAB or maybe someplace like Payplan if you want somebody to do it for you - don't go to one of these places that charge!!!!

Secondly you could try posting a general "shout for help" in the General Debt forum- link is here;

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/

 

If you have a beef with a particular bank/company/dca then the forum is basically split into different sections. If you need help with a problem with Lloyds TSB then you need try and give as many details as possible (no real names, account numbers etc. as the banks are known to read the forum) and somebody will get back to you as soon as possible.

 

I know it seems like an awful lot of stuff to get your head around but trust me, the folks on here are brilliant and you may be surprised at how much money you can get back!

[Pfc01]

Hi,

 

Thanks for the advice. My ex-wife was a redhead. Noted......

 

Has anyone (despite my searches) written a guide for novices on what actions to do first and in sequence? IN particular challenging debts?

 

I notice a lot of use of initials, CCJ, DCA etc. I know I have picked the obvious, but some mean different meanings to me.

 

I have looked at various stickies, but they seem to me as not particulary straight forward.

 

Help needed and in return I would be happy to document etc.

 

I have managed to delay the courts for 28 days, as my brother has made a payment for me.

[Pfc01]

Update.

 

What I am trying to do is;

 

I have a debt with Lloyds. Resulting in a CCJ. Overdraft and loan.

 

Once a month I get a letter from my local County Court saying pay £xxx by a certain date or the bailiffs will be round.

 

Okay, I need to know how I can reduce the amount I pay monthly as I am unemployed at present.

 

Second. Upon reading the threads, I know that debt can/could be reduced if I make a claim.

 

How do I go about getting the information on the debt?

How can I get the County Court of my back?

How do I go about making a claim?

 

Does this thread cover both sites here?

 

What a mess!

[deb4tlj]

Don't worry my love - I know that's easy for me to say - and try not to panic. I will, if I can, point you in the right direction. First thing I would suggest would be to repost your question here;

 

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

 

and/or here;

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/

 

There is lots of guidance and advice to be found in the stickies in both of the above forums.

 

I would have thought your most important course of action would be to get your payments reduced by means of a debt management plan, either with your local Citizens Advice or by Payplan, their website is here;

 

Free Debt Management company | Debt Advice | Payplan

 

Their staff are extremely helpful and non-judgmental - they will not bollock you for getting into debt! Because of the fact that you are currently unemployed that should get your payments reduced immediately - your benefits are for you, not the bank!

 

In order to get all the information you need to start a claim - for charges, PPI or whatever, you will need to send a SAR to Lloyds - this will cost you £10.00, postal order, not a cheque - never ever give them a signature! - upon receipt of the SAR they will have 40 days to send you everything they have upon your account/s - statements, notes, calls - everything you will need to see if there's anything you can claim back. SAR template is here;

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

As for getting the County Court to back off, you may be best off posting a new thread here;

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/

 

As to making a claim - when you've received all the information you need - there is a guide here;

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

Don't be afraid to post for further advice in the forums above - from experience you're more likely to get more help by posting in the debt forums rather than the Lloyds one. Don't panic! ;-)

[Pfc01]

Hi,

 

Many thanks for the information. When I have written down my plan and understand all, I shall post in the various places you suggest.

 

Question: Why never give them a signature? I have a few idea's, but a definitive answer would be nice.

 

Not one for panic me. Won't let the buggers grind me down!

[deb4tlj]

Never give them a signature - ever heard of Photoshop? I'm sure you can work it out for yourself. Keep at them love and don't give in - chin up! ;-)

[Pfc01]

That's along the line I was thinking.

 

Like to appear thick, rather than open my mouth and.....