Jump to content

  • Tweets

  • Posts

    • Hiya,    Thanks for getting back to me! I’ve always ignored, however my only concern now is starting a new job and them emailing my new employer, as they have with previous employers. Is there a way to make sure they don’t do this apart from hiding LinkedIn?    As people mention, it’s worth telling each bank direct my address, should I tell the credit chasers that I’m dealing with the bank direct also?    Thanks, 
    • Hi Honeybee13 No i 100% did not received reminder if i did it would have set alarms bells ringing that something wrong 
    • Hopefully Man in the Middle will be able to pop in today, but he does have a day job. Also the SJNP notes say they sent a reminder i did definitely receive this Are you saying you did receive the reminder or you didn't please? HB  
    • Thank you Man in the Middle, Everyone I know this may not make a difference but is it worth mentioning the fact i did believe i sent everything correctly but with all going on with my mother at the did not realise that stamp was not valid? Also the SJNP notes say they sent a reminder i did definitely receive this if i did it would have prompted me to realise something was wrong and rectified. I have to fill the form in online today so any more advice is gratefully received. The area is Gwent in South Wales it states on the form if i plead not guilty then send me the date of the trial Sorry as i've stated previously totally new to this and thank you for you assistance  i know you cannot say for certain but realistically by pleading the above what would be the most likely outcome be ? is it still likely to be 3 points and £100 fine ? or am i likely to receive higher and more fees?
    • Vennells evidence starts this morning at 09.45. Nick Wallis has made an interesting observation in his blog yesterday or today that yesterday's witness, Alwen Lyons, implied that forensic accountants Second Sight weren't doing a good job on their investigation of SPMs' complaints about Horizon. Nick's theory is that not being good at a job seems to be telling the Post Office things it doesn't want to hear. And that having been told things they didn't want to hear about the Horizon system, that training was terrible and their investigators and prosecuters weren't good enough, they decided the solution was to sack Second Sight and buy more expensive advice in the hopes of getting an answer they liked.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Defaulted by LloydsTSB - Any advice would be appreciated

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5284 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Hello All!


This is a great forum and I'm hoping some of you wise sages out there can help me out with my problem.


The Background: I had 2 credit cards with Egg & LloydsTSB and two years ago I was hard up and couldn't afford to make any repayments. I phoned both Banks and asked for a freeze for 3 months (i was due to start a new job after). Both Banks said (over the phone) no problem and so life went on. Egg stuck to it and when I started working again I paid them off no worries. Lloyds however screwed me over and as i also had a Lloyds current account they ripped out a couple of payments which left me broke and unable to pay my rent!

Long story short(er)... I stopped my DD to the credit card collections centre who were dealing with my card and closed my Lloyds Bank account so they couldn't take any more cash till it was sorted. For the next two years i was sent from piller to post with no department in Lloyds appearing to be talking to the other, throughout this time i was offering them a final settlement figure but nobody seemed to want my money, hard to believe i know! During these two years I wasn't shown as being in Deafault!


The Default: Anyway, In August 08 i finally managed to pay my settlement figure which was £100 pound less than i had offered them and they told me that they would update the CRA with a 'partially settled' notice, no mention of any Default or its consequences. I thought it was a right result!


On 31 Decemeber 08 (random), experian were informed to show me in Default with the outstanding balance still shown outstanding. Now at the time i had no idea about this as i thought it was all done and dusted. It was only when i went to close my experian account in February that they asked me if i knew i was in Default!


So, if your still awake, i'd like some advice on the best way forward to get this sorted. I've read some of the threads including the letter templates from learnmoney.co.uk, i'm just wondering, my Default notice hasn't gone on till 4 months after i settled the balance and at least 18 months after i stopped making payments due to the dispute!!


Does this help my chances in having the Default removed?


Sorry for the long post but we were hoping to buy a house this summer (my other finances are fine, touch wood) but this has left totaly up the creek!


Any help/advice would be greatly appreciated.




Marty :D

Edited by martys1st
Link to post
Share on other sites

You will need to start from the beginning in the process.


Write a Subject Access Request, there are several copies of these on various threads, and send it to whomever placed the default - its it Lloyd's Bank, or Lloyd's Cards - in fact you might do well to issue two of these, one to each company and see what you get back.


What you get back will determine the next steps.


Did you move while all this was going on? I ask because you should have received a Default letter which has to be spot on in wording for it to be valid.

Link to post
Share on other sites

Try something like this



Dear Sir/Madam


Account Number:


Please send me the information which I am entitled to under section 7(1) of the Data Protection Act 1998 in relation to the above account and any other information you have stored concerning me or my home address. .

Please would you also advise me of the logic involved in any automated decisions taken by you about me pursuant to section 7(1) (d) of the Data Protection Act 1998.] If you need further information from me, or a fee, please let me know as soon as possible.

If you do not normally handle these requests for your organisation, please pass this letter to your Data Protection Officer or another appropriate officer.

Yours faithfully


Link to post
Share on other sites

Thanks GerryPerry,


Between paying the settlement ammount in Aug 08 and being Defaulted 5 months later! I was at my current address and I didn't receive any Default Notice at all.


On experian the default shows my old address which i left 18 months ago and the office i've dealt with sent the settlement letter to my current address. Does this mean the Default is tecnically invalid for being the wrong address and the wrong date?


I understand there are two approaches to tackling this - one with the SAR for Data Protection that you've mentioned and another challenging the CCA? Is that right?


Is the Data Protection Act route the right one in this instance?


Thanks for your reply mate :D

Edited by martys1st
Link to post
Share on other sites

I don't think it'll be as simple as that, unfortunately.


You need to find out what info they have on you and whether or not its correct. Without this you could go around in circles for ages. The key aspects will be:


- the Agreement - is it properly executed?


- when and why did they default?


- get a copy of the default and see if its valid


- are there any howling errors you can spot that show they don't know what they are doing and act in a random fashion..


Your rights under the CCA would seem to me to be the way to go.


The DPA gets you the data they have on you and your rights on how they process it..


You'll have to have evidence that they have not followed the CCA and therefore not processed the data properly.


That will get the default removed.


It's very timeconsuming and methodical. It is very unlikley that they'll give in, but not impossible. However, you should write as if you would be happy to show it all to a judge, so stay focussed, unemotional and business-like, and try to establish facts that show there is an error on their part. Let them make the mistakes and be seen to be uncooperative and surly.

Link to post
Share on other sites

  • 4 weeks later...

Just got the old; "we're sorry but your address doesn't match our current records, please send a certified copy of a utility bill yada yada yada..."


Sent them what they wanted, recorded delivery again with copies of 4 letters from LloydsTSB with my current address from March 08!! and reminded them of the 40 day limit.

Edited by martys1st
Link to post
Share on other sites

  • 1 month later...

So, the 40 calendar days have been and gone with no reply. I've sent the Information Commisioner an email listing my complaints so now should I get a solicitor involved or wait for the Info Comm to get back to me?


Do i still deal with the Data Controller section or start speaking to the LloydsTSB legal dept?

Edited by martys1st
Link to post
Share on other sites

To anyone out there still reading,


LloydsTSB have replied (late) with a signed copy of my Credit Card agreement under the CCA 1974, all my old credit card statements, and a computer printout of their internal processes from their debt recovery section. In the covering letter they claim that they are still awaiting outstanding information from the Credit Card customer accounts & Customer Service recovery departments.


According to the statements, they continued to add late charges & interest for 4 months after i paid the full & final and this exaggerated total is what is still showing on my Credit Report even now!


Bottom line:


Default issued 5 months after full & final paid (and 18 months after i stopped making payments).


Default issued to wrong address (Best guess as no Default notice ever sent/received).


Charges & Interest contiued to be added months after full & final paid.


Ammount shown outstanding exaggerated.


Have asked the Financial Ombudsman to request the default removal on my behalf and i plan on waiting to hear from LloydsTSB before taking any other action.


That said any one got any ideas/advice? Is there a good solicitors out there who have challenged these defaults before and does anyone know what/where the guidance/rules are for the issuing of bloody defaults?


Good luck to all ; )

Link to post
Share on other sites

I would write to Lloyds and ask why they were still adding late charges and interest after you settled and ask to see the mathematical calculation they have used to derivethe interest. Also question why the default has been issued.

Link to post
Share on other sites

  • 5 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...