overdraft lloyds tsb

[cymruambyth]

Your complaint re SAR should go to the Information Commissioners Office (ICO). you can complete an online form.

[shammy36]

subbing

[steve76]

subbing

 

 

what ????????

[cymruambyth]

It means he is subscribbing to your thread.

[shammy36]

Hi steve,

 

"SUBBING" means that i am interested in the topic and am joining the thread

 

Regards sham

[steve76]

Hi steve,

 

"SUBBING" means that i am interested in the topic and am joining the thread

 

Regards sham

 

hi

 

well any help is much appreciated

[shammy36]

Hi Steve,

 

Will help if i can , a friend of mine is having problems with these vultures to .

 

Sham

[steve76]

hi all

 

received letter today from LLOYDS asking me to fill in income/expenditure form and must be sent back within 14 days of their letter which was dated 17th august ....

 

im wondering if there is a lowest amount that they always are willing to accept to or do they try and grind you down wanting every last penny ?

 

also , if i say propose to pay £50 per month and they refuse this would a court view me as trying to make a reasonable offer if repayment or they side with the big bank ???

[babybear39]

Thay are not entitled to that information, only a court is.

 

Write back advising an amount that you can reasonably afford to pay and report them to TS and the OFT.

[steve76]

hi

thanks again for the advice

 

is there a template letter to send offering to pay say £50 a month or do i just draft a few lines saying im willing to pay whatever and not explain my income and outgoings at all ???

[babybear39]

Have a look here for something to suit your needs:

 

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

 

You may have to mix and match and amend to suit.

[carteroo]

hi all i hope someone can help me,a while back i sent off for a credit agreement from lloyds tsb,as scm were hassling me,anyway,i get a letter today,they do include a credit agreement for a loan i took out,which was for £2000,but they have also included a current account which has no agreement and it is for £4000,the letter i received to day goes as follows....

 

our client lloyds tsb

account number ********** £4259

loan agreement ************ £2000

 

further to your recent request,we hereby enclose a copy of the credit agreement.(yes they have included one for the loan account)

 

the current account application is no longer available as it is more than 6 years old and not subject to the consumer credit act.

we await your repayment plans.

 

can anyone tell me what to do,i fully accept the loan agreement,but they dont have one for the account???

[steve76]

hi all ......to continue this thread...........

 

today i received another letter from lloyds saying as i hadnt responded to SCM request of full payment or been in contact they have suspended any legal action for further 10 days to let me respond

 

i have rung them saying i sent 2 letters within the last 10 days stating my current financial position and my wish to make regular monthly payments of £40 but i havnt heard any responce to either letter

 

they say they havnt received any letters from me in the last 10 days though and the bloke on phone wanted me to give my income and expenditure details over the phone , to which i said no chance as i have sent 2 letters stating my position so i suggest you look amongst the mail

 

im not sure what to do now as legal action is not a thing i really want

 

shall i ring back and discuss my details over the phone or wait to hear their responce via post ????

 

if they did take me to court i would never be able to pay £2005 in one go so why dont they just accept my offer of £ 40 per month ..unless a court would demand i pay more ??

 

please help

[babybear39]

Only a court can order you to disclose your I & E! Tell **** to Foxtrot Oscar

[steve76]

has anyone had any dealings with SCM solicitors before ?

 

if there threatening legal action now just how serious are they and will a court look in my favour if gets that far as ive made several attempts to try resolve a reasonable monthly payment or do the big companys always come out ontop

[babybear39]

**** are a nasty bunch and usually go for the kill. Treat them with the disdain they treat you

[steve76]

thats easy to say though

 

what does anyone suggest i do next ??

[Tonka99]

Hello Steve

 

Have you keep copies of the letters you have sent ****

and did you send them Recorded Delivery

 

Do NOT call them you are wasting your time, keep everything

in writing keep copies of what you send them and keep the

envelopes as well from them .

 

I have first hand knowledge of **** they will try anything

 

Cheers Tonks:-)

Edited September 3, 2009 by Tonka99
added some text

[steve76]

update to my thread

 

in november Lloyds tsb sent me a letter saying pay £19 every month on 15th , i accepted this and continue to make regular payments

 

however , 3 weeks ago SCM sent a letter saying they have been instructed by Lloyds to collect the whole balance of £2015 immediately

 

i sent a letter to both Lloyds and SCM saying i have copies of letter sent to me confirming i pay £19 every month , with even the dates printed on it up until august 15th 2010 , so i feel it is unfair how they now want to claim the whole lot when we had agreed a repayment plan

 

today i received a letter from SCM saying they want a new income and expenditure form sending within 7 days , i sent this info back in sept 2009 and Lloyds sent me the above mentioned letter stating i pay £19 back each month

 

my personal circumstances have altered since as i only work 4 days a week now but why should i send all the info again to these people when they set the repayment plan up ??????

 

are they allowed to go back on what they sent me ?

 

please help

[steve76]

any help would be appreciated

[steve76]

hello all

 

just a new turn on this case

 

last week i received a letter from WESCOTT saying LLOYDS TSB had instructed them to collect the £2050 within 7 days to which i sent a letter stating i already have an agreement with LLOYDS that i pay £19 each month ( which i hadnt paid for few moths as was awiaitng a resonse from them regarding the letter they sent me in feb )

 

however , today i received another letter from WESCOTT saying i have 7 days to respond or they will either take legal action to recover debt or send a door stop collerctor to my house ( which is my worst case scenario )

 

 

what can i do next please

 

i havnt a clue now how to tackle yet another threatening debt collection agency threatening action unless the full debt is paid in 7 days !!!

[babybear39]

Do you have written details of the arrangemant with LTSB?

[steve76]

yes i do have written confirmation from Lloyds regarding the agreement i pay £19 a month

 

BUT why have wescott taken over this debt and chasing me for full payment ???

[babybear39]

Ok, send the twits a copy of the written agreement with a covering letter short an' sweet telling them to BOGOFF!