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Hello,

 

I sent Lloyds a letter in regards to my finances after consulting PayPlan.

I informed them of my finances and that i could only offer to pay £1 a month. Below is the letter they sent me:

Having carefully looked at the information we can't accept your offer. If your finances improve and you are able to increase your offer please ring us on the number above.

 

In the meantime your normal payment will still be taken and interest and charges will still be applied.

 

Its important to tell you if you miss any payments your account will be passed to our collections department and our normal recovery action will start.

 

You may want to think about getting free independent financial advice from organisations such as the Citizen Advice Bureau, the Consumer Credit Counselling Service, or National Debtline. You can find details for these organisations in your local telephone book.

 

So what do i do now? Do i just keep paying them £1 if that is all i can afford? What i do not understand is financial institutes are not very smart at all? They are trying to take blood from a stone. If my figures prove i cannot afford the minimum payment, how do they expect people to pay?

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what is the debt, credit card / loan / current account?

 

is it with the same bank, if yes open another bank then they cant take what they cant get hold of, if it is a different bank then cancel the direct debit or whatever means you use to pay them


PGH7447

 

 

Getting There Slowly

---------

 

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

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Oh sorry. It is a credit card. I did go through the whole CCA, but that was a no go. I don't have a bank account with Lloyds, so i am safe there. I usually pay via a standing order each month.

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Oh sorry. It is a credit card. I did go through the whole CCA, but that was a no go. I don't have a bank account with Lloyds, so i am safe there. I usually pay via a standing order each month.

Did you reclaim any charges on the credit card including the £12 ones?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I think i had like 1 or maybe 2 charges for late payments, a few years ago and i claimed those back.

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so if its a standing order cancel it then they cant take it, or amend it to £1


PGH7447

 

 

Getting There Slowly

---------

 

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

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Oh i checked my account and it was not a standing order, it is just a one off bill payment i make each month. So they cannot claim anymore money then what i offer.

 

But i would like to know in regards to the letter is it ok for me to keep paying £1 or however much i can afford?

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you can only pay what you can afford, you have made an offer just apy that and let it run its course


PGH7447

 

 

Getting There Slowly

---------

 

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

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Oh ok cool thanks.

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