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LLoydsTsb Account,loan and Credit Card Help


wemouse
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Hi All,

 

I need some help on what i should do about my current account, loan and my Lloyds card.

 

1/ Current account opened in 1990 have £1500 overdraft with £1500 ontop in bank charges so now £3000.

 

2/ £6000 loan with lloyds now about £7000 with charges.

 

3/Lloyds Credit card £10000 with about £1000 charges included and i have had this card in about 1998. It has now been passed on to BCW who i pay £40 pounds to a month.

 

I also pay lloyds £55 a month for the loan and current account but now things with them have got a little heated and i have just recived a letter from a solicitor (Sechiari,Clark & Mitchell) and they kelp ringing me all the time so i changed my number :D

 

I would be very greatfulfor any help.

Edited by wemouse
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1. Regarding the current account, if you haven't already done so you need to start reclaiming the charges. There are plenty of threads with the general procedure. If you have specific questions, ask.

 

2. Regarding the loan, first thing you need to do is request a copy of the CCA. It's letter N in the templates library. Send the letter by at least recorded, don't sign but print your name, and either use a postal order for the £1 or get someone else to write the cheque for you. As SC&M are already involved, direct all correspondence about the current account and loan to them.

 

3. Also send a CCA request for the credit card, to BCW.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I take it you have already moved your current account elsewhere? If you haven't, then do it a.s.a.p.

 

I know exactly what you mean about the calls. I got so many that I had to change my number too, but I know they've kept calling the old number(it's amazing what you can find out from an SAR request) which has now been given to someone else. They have my sympathy. Apparently they got 11 calls in one week. I wonder how many times they've said it's not my number any more?

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I moved my account as soon as lloyds cut my over draft (about a year ago) and carried on trying to take my load payments and credit card payments out and thats when the bank charges started to roll in! it was like a house made of cards!

 

The phone calls are a right pain, all i gave them was a mobile so when my contract ended i changed my number :D

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