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Jinny Jones

lloyds cc/ loans

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Hi, i really need some help, i have a cc and a loan from lloyds tsb. i am now out of work and can not keep up with the payments, i phoned and asked if i could take a holiday month on my loan ( i was told i could take 2 a year when i took out the loan) and they refused as i had gone over my overdraft the previous month. do i send a letter and offer an amount a month i can afford or do i ask for a cca first....I have also missed last months cc payment and they took £86 out of my account for interest which then caused my other direct debits to be returned, so then i had more charges for the returned DD. my pension goes into the account and i know they will take it all for the charges but i have to pay my morgage with that. im at my wits end as what to do. should i cancel my account so they cant take my pension money.

Thank you Jinny

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Hi,

The first thing I would do is open another account with another bank not associated with Lloyds. This puts you in control of your money. I know it's a palaver having to change all your direct debits and standing orders but it will put more money in your pocket for your essential bills.

 

Next I would send them a SAR specifying the loan and CC account numbers and your bank account number. There is only one charge for this (£10)

 

You will get back everything (hopefully) that the bank have on you. You may then start a claim to get the charges refunded. Credit card charges are not covered by the banks test case but your bank charges are unless you can claim them back under the hardship rules.

 

SAR , here

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

Send with a £10 postal order

send recorded delivery

give them 40 days from receipt to respond

 

Good luck

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi, thank for the info...i have set up another bank account today, should i now cancel my lloyds account and can i do it over the phone.

do i not need to offer a reduced payment or just send the SAR straight away. do i need £10 for the loan and £10 for the cc. both are still with lloyds as i have only missed the cc payment and i have not missed the loan as yet but cannot pay anything on it this month.

Thank you so much for your help.

Jinny

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Hi, i have just been reading a post about ppi and think i may have been missold it, i took out the ppi on my loan, but i didnt actually go into the bank, my other half went and sorted the loan out as i had just come out of hospital, he told them i couldnt come in the bank as i was too ill so they just said oh thats ok just take the form home and get them signed, so never was the ppi explained to me, i'd had magor surgery to remove an abbcess from my liver so i probably wouldnt have been covered anyway.

Thanks

jinny

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Morning,

 

I wouldn't bother closing the account. Lloyds will do that for you once they realise nothing is going into it.

Make sure that all payments in and out of the new account and none to Lloyds. Not teaching you to suck eggs--honest:)

 

While you are waiting for the SAR, I would write to Lloyds informing them of your money issues and offer a reduced payment. Include the reduced payment. If you're not too worried about your credit file being trashed beyond recognition, you could just send the letter without enclosing any money (your file may already be screwed). This is just to slow them down until you get your SAR back. Look at letter "C" here:

 

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

 

Once you have all the paperwork, you should be able to claim back the charges as they are unfair but as for the PPI, you will have to see how it goes as some you win, some you lose.

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi, Thanks for that, i was going to close it today but ill not bother, i have stopped all my DD on line so there is nothing to come out of the account and nothing going in. i will send the letter and offer a small payment on the loan and the CC , i have the SAR letter to post of today, just one more thing, do i need a £10 for the credit card and £10 the loan SAr or just a £10 for both.

Thanks alot, i feel better already knowing im doing something.

Pam

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As both the loan and the CC are with the same bank, one SAR needs to be sent with ALL (bank,loan.CC) account numbers and one £10 fee. You must state that you want ALL the information they have, otherwise they will send you what they feel like.

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi, thanks for the info. I have already recieved a letter about my loan stating if i dont pay in full this month i will incur charges, i have sent of an offer of reduced payments but in fairness they may not have recieved it when this letter went out. i have also sent off the SAC for my loan and CC so await another letter.

thanks for your help, Jinny

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Hi, i have today reciever a letter from tsb about my request for sar, they say they need an up to date signature as they dont have a recent one and need it before going ahead with my request, do i sent it to them.

i have also recieved a letter refusing my reduced payments on my loan and they say i will continue to have letters until it is passed to there debt recovery dept.

thanks for your help

Jinny

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The forum has just started this little gem:

 

http://www.consumeractiongroup.co.uk/digitalsignature.php

 

I've been doing this for ages and no-one has lifted my signature

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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i have also recieved a letter refusing my reduced payments on my loan and they say i will continue to have letters until it is passed to there debt recovery dept.

thanks for your help

Jinny

 

Just keep paying the amount you offered no matter what they say. Go to the bank every month and pay it over the counter. They will eventually realise that you are serious and will then write and say they have decided to accept it. I had the exact same problem with Lloyds CC. Don't worry you'll be fine :)

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Hi, thanks for that info. i dont have a paying in book, so how do i pay it onto the laon account? as i want to start to do that straight away.

many thanks

Ginny

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