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Two Lloyds Current Accounts & a Credit Card! Help!


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Hi,

 

I had been intending to fight each bank one at a time and days after attempting to submit two (clerk said I had made a mistake somehwere on the forms) everything changed becuase of the judgement!

 

I ran away for a long time, but am back now to face this. I know nothing anymore, so am starting again from scratch and will be starting with Lloyds. So I post this totally ignorant so that I don't avoid posting at all and will read as much as I can - so links to relevant pages also welcome!

 

My summary

 

- I had a current account with them since 2004 (around!)

- I also had a credit card since 2004. Limit £2000

- Then I became a student and instead of changing my account they told me to open another specifically student account and keep the current for x, y, z reasons.

- After some time, and a few overdraft increases later, on both accounts the agreed overdrafts went up to £1000 and £2000. Some interest free some not.

 

Thats when things get messy

 

I messed up one payment early on and then the charges mounted like an avalanche. £15 for going over and £20 a day for a max of 10 days! Plus a little interest

 

Thats approx £215+ on each account!

 

And WHERE was a I going to get £430 from and in my first year of uni and already very poor. I ignored it and it just kept getting worse for months.

 

They finally agreed to put me on a plan.

 

The £1000 overdraft was set to £1900 and the £2000 set to £2900 to cover the charges and I would be paying back £20 or so a month without any added charges and the overdraft would reduce each month by that amount. I did that for a while, and then lapsed and it got out of hand again.

 

I have been ignoring them ever since, for over a year.

 

As for my credit card. Limit £2000. I had that for years no problem. Then over something like £14 the account got messed up, I was worried with other things, they made it seem bigger than it was and I ignored and ignored. Finally, they agreed to refund charges of £x amount and I would pay £x amount to bring account in order and then put on a plan - but I would still be able to use the card.

 

However, that brought me TO my limit and the month that followed "NON PAYMENT" which took me "OVER THE LIMIT" and then the cycle repeats and it is there that I ignored them for over a year, and the rest just as above.

 

Accounts gone from LLoyds to BLS to Wescot to BLS to all over the place. I moved house and they tracked me down and the same story...

 

If I keep ignoring them how long before they actually try to take me to court or send bailliffs to my house?

 

Will they write to court first, and then court send letter to me and then if I answer at that point no bailliffs?

 

What do I do now? Shall I fight them? Account by account, or altogether, do I have a leg to stand on?

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Anything that you do will give them your address, but presumably you don't want to keep on running for the next few years.

 

Are you still a student?

 

When you are ready,

 

For the Credit card, start with a CCA request & a SAR to get the total of charges / any un-requested or useless PPI

 

For the bank accounts there's with the state of play with reclaiming charges, there's not much to do as I understand things

 

They won't want to take you to court if you have nothing because all that a judge would give them is £1 per month - they will use a DCA to try to get as much out of you as they can with general harassment & scare tactics. That's all you should be paying LTSB anyway.

 

They should have sent enforcement notices & termination notices for the bank accounts & a default notice & a termination notice for the credit card. If you have them, can you scan them & post them up after covering personal details using paintbrush etc?

 

I think that this is part of Lloyds business model - you go overdrawn by a few pounds, they charge you hundreds initially, you can't afford to pay so it goes to thousands in a few months. Then they use DCAs to get their profit over a few years.

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Thanks alot for the response..

 

First, yes I am still a student (but only for another year- or until June 2011). I will then be a graduate, who most probably will be looking for a job for quite a few months.

 

Second, they do have my new address. Lloyds does, and so do BLS their DCA and then all the other DCAs they are using, e.g. Wescot. Did you mean, by answering them, I would be confirming to them my new address?

 

What did you mean by..

"That's all you should be paying LTSB anyway."

 

Also, strangely, on bith accounts my credit file hasnt been defaulted (?!) I've got ...0 0 0 1 2 3 4 5 6 0 .

And it says overdraft balance settled early 2010.

 

Presumably this is a good thing..

 

As for the credit card, defaulted 8 early 2010.

 

I will get those scanned ASAP and post them up shortly.

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First, yes I am still a student (but only for another year- or until June 2011). I will then be a graduate, who most probably will be looking for a job for quite a few months.

So you probably can't afford to pay them much - same as benefits

Second, they do have my new address. Lloyds does, and so do BLS their DCA and then all the other DCAs they are using, e.g. Wescot. Did you mean, by answering them, I would be confirming to them my new address?

It means I misread your post & thought you were trying to dodge them!

What did you mean by..

"That's all you should be paying LTSB anyway."

Someone on benefits can't afford to pay much - generally £1 per month - even though the banks want more. I think that you might be on the same level of income so maybe £10 was too much

Also, strangely, on bith accounts my credit file hasnt been defaulted (?!) I've got ...0 0 0 1 2 3 4 5 6 0 .

And it says overdraft balance settled early 2010.

 

Presumably this is a good thing..

depends on why they say settled - might just mean they have closed those accounts

 

Presumably you have opened an account elsewhere - hopefully not tsb

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