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sept 6th to pay lloyds tsb default notice- what if i dont pay?


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basically the title says it all

 

debt £5200

 

would you let them terminate agreement?

 

im on the virge!!!!!!!!!!!!!!!!!!!!!!!

 

just want some thoughts

 

1. agreement enforceable

2.dn enforceable

3. all charges ppi claimed

 

but the card number doest match the agreement number and i sent them a letter and they said they cant provide that agreement for that number

i know why because it was never issued!!!!!!!!!!!!!!

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If they are asking for payment and have issued a default notice on an account that doesnt exist then it needs to be queried. If you dont pay I guess they will then terminate and perhaps either pass the account on to a third party or even issue a claim against you.

 

Has the account been modified from another account ? If so then there should be a modifying agreement. Do you have statements where the account number has changed during the lifetime of the account.

 

Did the account start off as one type of card, say Visa and end up being Mastercard or Platinum card

 

atwozee had a similar situation and with LTSB so it might be worth having a look for that thread.

 

Have you sent a Subject Access Request, that might throw some light on the situation.

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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How did you manage to claim PPI if they are two different account numbers ? That could throw a spanner in the works for any defence I would think.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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ok

i sar them last year the cc was for £9200

a few years ago i paid off £4000 and as soon as i done it they added ppi and changed my credit limit to £5200 and CHANGED the account number but didnt send a new agreement. i queried this for my ppi refund as on the origional agreement i didnt tick the ppi box

i have all statements and i know exactley when the account number changed

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yes the card number was changed wait for it very significant

 

" may 2007"

 

but no new cca

 

so i have a cca for one number

and a DN for another

 

TBH, I am not sure about the agreement. However, if they changed the acount number/type without a modifying agreement then I would say that something isnt quite right. If the account number they have issued a DN is incorrect then there does seem to be a bit of a muddle going on and it certainly needs to be challenged.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks! I'm gona challenge and to b honest I hate lloyds ........ I've checked out the suggested thread and the only question I need to ask if the debt goes to a DCA will they keep added interest or will the debt b cut and shut and fixed at the £5200? The interest is extortionate on c/cards .......

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I really couldnt say about the interest being added. If you dont remedy the default then the following could occur.

 

LTSB could terminate, send Letter before Action and pursue through the courts themselves. In which case expect to hear from Sechiari Clark Mitchell within at least 10 days from the final date of the default notice.

 

Or they could sell the account on. However, if there is a dispute then you should be able to see off any 3rd party.

 

I dont see them just passing the account out for collection.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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To be brutally honest citizen..... Dca's don't bother me I'd be happy to pay £50 a week ....... I just don't wana pay anymore interest..... I'm fed up lining banks pockets... I'm gona send a letter asking for agreement for change of account number and put the account in dispute !!! And let them explain why they can't provide the agreement with new account number and why they started adding ppi at the same time. Put them to the sword

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hi citizen

 

lloyds have sent me through expenditure sheet might not have to default as im trying to deal a payment plan for 12 months £50 per week.................. to get amount down in a FAIR way

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Santander receives 1,300 complaints a day in first half of 2010

Santander has announced it received around 1,300 complaints a day in the six-month period to June 2010.

The figure, which equates to around 245,000 complaints, is 7 per cent down on the same period in 2009.

The bank says around seven out of 10 complaints were dealt with within 48 hours and only 2 per cent were outstanding for more than eight weeks. It also said four out of every 10 complaints were upheld in favour of the customer.

Santander says some customers are experiencing more issues than normal due to the bank’s expansion in recent months and, as a result, has made more support staff available in branches and call centres.

Director of service quality and complaints Steve Williams says: “Whilst we are pleased that the volume of complaints received has decreased from the same time last year, we know we need to do more. Improving service quality remains a priority for Santander, as we don’t want any customer to be disappointed by the experience they receive from banking with us.”

There was 216,158 banking complaints in the first six months of the year. However, the banking category excludes 244,772 complaints related to bank charges. The Supreme Court decided that these bank charges could not be assessed for fairness and, therefore, complaints relating to this were closed during the first half of 2010.

Lloyds TSB announced yesterday it received around 2,000 banking related complaints a day in the first half of 2010, but rejected nine out of 10 of them.

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had to post this up

 

bloody shambles lloyds rejecting 9/10

 

Lloyds TSB has admitted it receives around 2000 banking related complaints a day from its customers - but the bank rejects almost 90 per cent them.

lloydstsbbranch.jpg

 

The state-backed bank said it had received 348,700 banking complaints in the first six months of the year but just 12 per cent ended in an apology or compensation.

RS=B09807_10011.B09807_10015.B09807_10017.B09807_10036.B09807_10037.B09807_10002.

 

 

The FSA has ordered banks to publish the data relating to customer dissatisfaction, with Royal Bank of Scotland recently revealing it receives 1,600 complaints a day.

Bank of Scotland, which includes Halifax and Birmingham Midshires, revealed it resolved 246,733 complaints but upheld only 7 per cent of them. Cheltenham & Gloucester rejected 68 per cent of the 2,645 complaints it received.

A Lloyds spokeswoman says: “Our relationship with our customers is at the heart of our business and we take all feedback very seriously. Like every organisation we know there are areas where we can improve and we’re working with our customers to do just that.

 

“With over 30 million customers, the Group has the largest customer base in the UK. We proactively contact one of our customers every 35 seconds to ask them how they rate our service and how we can improve. The vast majority are happy with the service we provide and this is reflected in the low number of complaints we receive relative to the high number of accounts our customers hold.”

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