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Hello, Could somebody please give me some advice.


I was involved in claiming back my bank charges from lloyds like a lot of others. I didnt use the account i had with them, but because they wouldnt close the account i accrued an unauthorised overdraft of around £1300 - all charges! I attemted and hoped to get this overdraft wiped clean and to reclaim other previous charges with them.


While the court case was going on, i applied to the FOS to have my case looked at through the Financial hardship route - I genuinely couldnt afford the repayments lloyds wanted me to repay the overdraught. Lloyds eventually told me all they could do was to refer my debt to a recovery company.


THIS IS THE BIT THAT WORRIES ME - just before Christmas i had a phone call off a company, I think it is Allied International?, i explained that the case was still with the FOS, which at the time it was.


I have now had another phone call off this company demanding my employers details so that they can take the £1300 out of my wages. They have asked me if I drive a car that they could take and they have asked how i intend to repay the debt. As well as asking if i have any savings.


I have offered to pay a small monthly amount (of which i can afford), until October and then settle the rest of the debt in one payment. (i will be given shares in October that will cover the debt). i have refused to give my employers details at the moment, but the worry is getting to me of what powers they have and what they could do.


If anyone has a bit of knowledge or advice about these things i would be very grateful.

Thank you


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Is the case still with FOC

Allied International or AIC as they are also known are just another bunch of lowlife.

If I rang up would you give me your details - no I'm sure you wouldn't - so why would you ever give them the info.

Just threats from them.

Next time, if you take the call, tell them to put everything in writing and tell them as you don't know who they are or what they want you want it in writing. You need to know if they have actually bought the debt or are they just collecting for the bank this should be more obvious from letter.

You'll have a better idea when they put it in writing.

Dont go through any security checks and if they try it tell them they should know who they've rang


I have no legal training my knowledge comes from my personal life experiences

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Thank you. The case has been dismissed by the foc. Thanks for your advice, its what i wanted to tell them the first time they rang, but wasnt sure of their credibility or my rights etc.

They rang again ealier(before i had your reply) and were a lot less threatening. They offered me a reduced figure if i could pay in 2 days time. I again ststed that i was in no state to repay a lump sum, and they also said that they would take my offer back to lloyds - they have never mentioned lloyds before, only that they know of my debt with them.

thanks again


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Welcome to the site Lee.I will move your thread from here.

Feel free to ask any other questions.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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  • 4 weeks later...

Hello all,

I wrote in to this forum last month regarding debt collectors (allied international) demanding my lloyds debt of £1200.

I had lots of good advice, but there has been developments!!


I recieved a letter this morning from Moorcroft Debt Recovery again demanding the money and threatening litigation and legal proceedings if i dont pay in 7 days.


The debt is from an unsuccessful bank charges claim with 'hardship', i couldnt afford the payback charges lloyds wanted, and now these companies expect me to pay all up front?


The last time i spoke to allied, i made them an offer of a small contribution every month and then a final settlement in October of this year (i have some money coming to me). Was this fair? Should i be offering this?


This is really worrying me now and any help will be very much appreciated




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you mean they have sent a standard threa-o-matic, calm down and re-read it, I bet it says we may or we could or they might


and if it is the same debt as your last thread best to keep it all in one place






Getting There Slowly



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

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It is highly unlikely that Moorcroft will even think of taking a case to court involving charges as the whole issue of bank charges is on again.


I am not sure how much information is available on this site at present, but I woulld suggest that you look at Mike Dailey,s comments on Govan LC.Com.


The banks wont want anything going through the courts at this stage.



Edited by Crocdoc
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If you challenged your charges under the "old" rules and it was unsuccessful that is not the end of it. The supreme court said the old rules did not apply but that charges could possibly be reclaimed under "new" rules.


Crocdoc is right and you should look at the Govan thing.


A fresh challenge is not out of the question.

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ive put a few threads on here before about my lloyds overdraft/hardship/charges case.

Ive had another phonecall tonight off Moorcroft Debt Recovery threatening court action which upset me yet again!!

At the moment this is what i'm thinking and want advice on.


1) i'm going to send the template letter off this site about threatening DCA's etc to Moorcroft


2) After having my case for hardship rejected by the FOS, i'm going to contact lloyds again telling them of my intention to reclaim my charges back under the new rules, on these grounds;

i) lloyds fully knew that i did not use the account, but still charged a monthly fee and a number of overdraft charges each month because the monthly fee would take me more overdrawn. Every month these charges have snowballed to around £1150


ii) LLoyds call centre informed me that as i did not live near the original branch, i could call into any branch and downgrade to a basic account. But when i did, i was told i could'nt as i was overdrawn! (although i have no specific dates)


iii) even though i eventually claimed hardship because i could not keep up the repayments - lloyds never means tested me to actually find out what i could realistically afford each month.


3) My original claim was for something in the region of £2500. I was considering asking them to just close my account and wipe my overdraft clean as a settlement? I'd be happy with that just to get the DCA off my back.


4) what actual power has this DCA actually have? How far will they go? They have told me that they are acting for lloyds (not owning the debt)


5) Is it worth asking to go straight to court and have a judge rule it? have i got grounds?


I have tried looking through the forums but i'm a bit upset with the DCA phoning and nothing seems to be going in??!!


Thanks for all your help. I hope ive made sense



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3 Threads merged.


dyn27, please stick to one thread on this subject as it makes it easier for people to help you, seeing what replies and help have gone before.







Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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