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Please can anyone help me I am not sure about the law and certainly noy the Lloyds rules. I have 3 Lloyds accounts 1.Laon account balance £780 2. Credit card balance £1600 3. Debit card a/c balance was £198 ayear ago now £1400. I have written over & over again telling them I am on disability following a house fire in which it burned down. Then my debts spiralled out of control when in 2006 my teenage son died and for a year I was in limbo then my partner and I parted and this year I waas admitted into hospital for the third time only this time I nearly died. I have explained to the Lloyds I have no spare money and cannot afford to pay all 3 debts off at the same time I have asked them to stack them 1 behind another and I will pay £20 month, but still the letters of refusal come interest on the debit account is going up at £200 month and now I have solicitors letters. What does worry me is that I am buying my home do they have a right to force a sale or a charging order. Any help will be greatly appreciated. :-(

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Hi and welcome to the CAG were we will be more than happy to advise you.

 

Please can anyone help me I am not sure about the law and certainly noy the Lloyds rules.

I have 3 Lloyds accounts

1.Laon account balance £780 - ok when was this taken out and have you requested a copy of the agreement yet? and was PPI included when you took it out

2. Credit card balance £1600 - have you requested a copy of the agreement yet

3. Debit card a/c balance was £198 ayear ago now £1400. - this will be made up of bank charges so you need to gather all your statements and make a claim re the charges

 

I have written over & over again telling them I am on disability following a house fire in which it burned down. Then my debts spiralled out of control when in 2006 my teenage son died and for a year I was in limbo then my partner and I parted and this year I waas admitted into hospital for the third time only this time I nearly died. I have explained to the Lloyds I have no spare money and cannot afford to pay all 3 debts off at the same time I have asked them to stack them 1 behind another and I will pay £20 month, but still the letters of refusal come interest on the debit account is going up at £200 month and now I have solicitors letters. What does worry me is that I am buying my home do they have a right to force a sale or a charging order. Any help will be greatly appreciated. :-(

 

Ok these people dont care about what a persons private life is like they just want their pound of flesh

 

so from now on averything in writing when dealing with these creatures.

 

fist send off a cca request for the loan and credit card agreements. this costs £1 per request and send it by recorded delivery, do not sign the letter and they have 12+2 days to supply the agreement, if after this time they have not then the account is in dispute and you can withold payment.

 

for the overdraft send a SAR for all statements, this cost£10 and they have 40 days to respond, when you get all the statements add up all the charges and add 8% interest from the date the charges was added, send recorded

 

for the cca

 

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

 

template N

 

for the sar

Subject Access Request - Consumer Wiki


PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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thanx pgh 7447,

Did as you advised, the loan & the credit card, I do owe the money, I just thought there was a way I could combine the two in order to make one payment monthly, so I did;nt bother with the CCA. I did however want to fight the debit card debt as I do not owe that amount it is all interest. I sent a subject access letter from the templates provided & right on the 12th day they sent me a letter saying my complaint will be dealt with & they will send a response as soon as is possible. They have not mentioned the subject access letter nor the £10 I have sent for all my statements. Where do I go from here as my debts are incurring £200 per month. I did ask for an overdraft to cover the amount so I did not get any more interest added, but they have not even bothered replying. Any help will be appreciated. (sorry to come this way but I have no idea how to start a new thread.

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I was wondering if anyone could help, I came on this site in July Re. the Lloyds idiots, who are chasing me for 3 seperate A/c. The credit card & my loan I do not deny owing them the money I just wanted them to add them together so I can make 1 monthly payment instead of 3 seperate ones, which I cannot afford They wanted £20 on each every week, Not a chance do I have that. So they are basically ignoring that request and thirdly my problem A/c is my visa electron/debit card. It started out with a £198 debt which is now £1400 doe to bank charges. On the forums advice I sent a subject access letter & £10 for my statements so I can see what they do owe me & apply for it back under severe hardship rules. On the 12th day they replied to my debit account letter with no mention of the subject access nor the £10 postal order just a letter saying they will look into it & gave me a complaint ref No. Where do I go from here? Nothing seems to make sense in their letters to me.

Thanx:(

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OK it take 40 days for the sar so you have a while to wait yet

 

I would advise opening a new bank account and getting eveything paid into that, that way they cant keep taking money off you


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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2 threads merged - please keep to one thread per issue, otherwise it gets confusing


Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Sorry Car2403 still finding my way round the site. So confusing I am not all that with computers.

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