Lloyds - debt collection.

[thomass1949]

I am being chased by LLoyds for repayment of an overdraught debt. Can someone please clarify a legal issue regarding payment of any form of debt. I remember in the 'days of old' being told that if a debtor (anyone who owed anyone money for whatever), if they had made offer of payment and if refused for what ever reason by the creditor, the debt was nullified. Because the creditor had refused to accept that payment.

 

Now my problem is that I have repeatedly made offers to repay this debt in accordance with my financial situation, and LLoyds and their debt collecting friends have repeatedly ignored, in fact have never referred to my offer, to pay.

 

Has anyone any knowledge or advice on this situation. Am I correct.

 

Thank you:confused:

[cashins]

if they had made offer of payment and if refused for what ever reason by the creditor, the debt was nullified. Because the creditor had refused to accept that payment.

 

 

Unfortunately...no.

 

Is part of this debt made up of bank charges?

 

David

[babybear39]

OFT guidlines state that a creditor should not refuse reasonable amounts of repayment.

[thomass1949]

Yes. So, if they still refuse to acknowledge my offer where does that leave the matter. I have contacted the FOS and have sent them all the relevant papers so I am now awaiting an outcome.

[Bazooka Boo]

If you still bank with them then I would vote with my feet and switch banks, then hit them with a claim for all of the unlawful charges you have incurred, be it unauthorised OD bounced cheques, etc etc.

By opening another account with a different bank, then Lloyds will be unable to dip into your account to pay any unfair charges/OD etc.