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Lloyds Tsb C/c And Overdraft


adenuf777
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Hi all, was wondering if anyone could advise on this? I have a c/c and o/d with Lloyds. Fell into payment difficulty with both. Went to CCCS and was paying an agreed amount off o/d and as Lloyds stopped adding charges and interest it finally started coming down, especially as I claimed an amount of charges back and that came off as well. Then I stopped making payments to my c/c (as difficulties got worse) so Lloyds started taking the payments from the available credit on my o/d to pay the c/c(bumping it back up again) so after 3 months of this I got very demoralised and stopped paying anything in whatsoever.

 

There was no activity on the account for months. They didn't chase me and I didn't pay anything in. I moved house (and advised them of my new address) but from the period of approx. May '08 until present I haven't received anything regarding the o/d or current a/c.

 

Then last month I sent an SAR, for which they have provided some, but not all info. I was surprised to find that in Aug. '08 they started adding interest back onto the o/d and last month added £75 worth of charges and the o/d is now well in excess of £700 (£600 agreed). Then yesterday I received a letter from them saying that I have to repay the full amount in 2 days time.

 

I think they will issue court proceedings but there is something "dodgy" going on here. Why did they stop chasing me for payments originally? Why did they continue sending correspondence to my old address when screen print outs received in my SAR prove that they received my new address a year ago?

 

Why did they freeze the account (I can't use it, no card etc.) but start adding charges and interest again?

 

Sorry to bang on but it's quite complicated and I want to be ready if they do issue court proceedings. Can anyone help please:confused:

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  • 3 weeks later...

Hi everyone, today I have received a letter from TSB headed "ENFORCEMENT NOTICE" giving me until 16.11 to repay full amount of overdraft (plus interest) otherwise threatening court action.

 

I know some of the OD is made up of charges, what is the best thing to do? Can anyone help please:(

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