Lloyds Bank Debt

[Chelle893]

Hi everyone, I've been a member of this site for a while and have read quite a few interesting discussions with regards to Lloyds Bank but have not posted before.

 

I feel like I am at my wits end with Lloyds at the moment!!

 

My father had a credit card with them about 4 years ago which had about £3000 of debt on there when unfortunately 2 years ago he was told that due to increasing blindness he could no longer work as his insurance (self employed mecahnical engineer) would not cover him.

 

He contacted Lloyds bank, told them of the situation and it was agreed that he would make instalments of £20.00 a month and they would freeze the interest.

 

About a year ago they contacted him and increased the instalments to £30.00 a month which he has been struggling to pay but has always paid on time.

 

Recently he has started to receive default notices, I've rang the telephone number on these letters to be told just to ignore them as it is standard procedure,

I requested for this to be confirmed in writing but they refused.

 

I then wrote to the collections centre requesting his CCA (letter used from this site thank you) and requesting confirmation that all phone calls will cease

and that he is making payments as agreed. I also requested confirmation that the default notices will cease.

All we have received in return is the box standard reply to CCA and a copy of the T&C's (not his original one).

 

Now to top it off he has just received a letter from the SCM Solicitors requesting immediate payment of the full debt (who happen to be located at the collections department for Lloyds Bank).

 

As you can understand I am getting very frustrated as well as my father who I have to read these letters to, he's started to get very stressed

and is even considering getting a high interest loan just to get them off his back at which I have had to try and put my foot down

and say no as I know he will end up in a worse situation. I

 

t has now got to the stage where he has gone on to anti depressants as he just can't take it anymore.

Any help you can give me would be much appreciated.

 

Many thanks

Chelle

Edited November 24, 2010 by dx100uk
clarity

[42man]

It might be worth sending this (recorded delivery) - http://www.consumeractiongroup.co.uk/forum/content.php?425-Letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request

[Chelle893]

Hi 42man,

 

I've had a look at the letter but not sure if I can send it as Lloyds will not enter in to any further correspondence with regards to the CCA and the debt itself is not is dispute. We have agreed with the collections department to make monthly instalments until the debt is cleared and yet we are receiving DN's and now a solicitors letter. I have the collections department telling me one thing by phone and another thing by letter. No payments have been missed since this agreement was reached and I'm at my wits end even trying to get them to admit in writing that payments are being made or that there is an agreement in place. The O/S balance is decreasing and the interest has been frozen plus I have proof that payments have been made but obviously I don't want this getting to the stage where my dad ends up in court.

 

I have attached copies of the most recent correspondence (personal details removed) for you to have a look at if it helps.

 

Many thanks

Lloyds to 16.11.10.pdf

[dx100uk]

ok

 

you need to step back from this and look at it properly.

 

the letters from the debt debt/solicitors are , for want of a better word - fake.

 

please ignore them,

 

this is a std practice on longterm lowly paid debts, they try and squeeze you.

 

you keep saying DN's, i assume you mean a defauilt sum notice

not a default notice, they can only send ONE of those.

 

now, these DSN's are hitting your balance.

 

all of the unlawful charges like over limit/late payment etc etc can be reclaimed

 

as can mis-sold PPI.

 

pers i'd ignore the threat-o-grams

 

there is no way anyone will go near court with this

 

the judge would laugh them out the door and probably assign a LOWER repayment.

 

dx

[Chelle893]

Thanks dx,

 

It actually states Default Notice on the letters not Default Sum Notice, from the paperwork I have here he received one on 27th September and one on 26th October. They haven't applied any further costs that I am aware of as the balance has been decreasing by the £30.00 paid each month.

 

We'll ignore the letters for now and fingers crossed they don't try and push their luck by passing it to the courts.

 

Thanks for your help

[dx100uk]

ok well thats not correct

they can only send ONE dn unless you break / change the agreement to pay.

 

you might want to pull them up on this

 

it will give a clear indication that you are addressing the debts in the best light possible and show it is being managed.

 

shame you've got no unlawful charges or PPI or reclaim...

sure there was none levied before the reduced payments stated?

 

dx

[Chelle893]

Thanks dx,

 

The agreement hasn't been changed or broken by him unless they have done something at their end which would put them at fault. He has been paying loyally for 2 years and is still paying on time every month.

 

I don't think he had PPI as I advised him not to get it, I knew what a waste of money it was. As for any charges I will have to go through the rest of his statements to check as I only have the recent ones.

 

In the meantime should I write a letter to the solicitors advising them that payments are being made monthly to clear the debt as agreed and requesting information as to why 2 DN's have been received when he has not broken or changed the agreement?

 

Many thanks

 

Chelle

[dx100uk]

who has sent these dn's?

 

dx

[Chelle893]

Lloyds sent both of the DN's.

 

Have spoken to my dad briefly and it looks like he did pay for PPI which was cancelled when he was unable to keep up with the minimum monthly payments and agreed to pay £20 per month. He's not sure of the charges but believes there were some, we have to dig out his statements to be sure though.

 

Chelle

[dx100uk]

ok well theres a GOOD source of income

if the PPI was charged monthly

then you can get that back & int & THEIR RATE

on EACH MONTHS payment for EVERY PPI payment he made

from the date it was made to today date

 

if LLoyds have sent you TWO DN's then something is funny here

let us see them please

 

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

dx

 

i bet that will clear the debt esp as its 2003

[Chelle893]

Hi dx,

 

I scanned in the most recent correspondence (including 2 DN's) in pdf format on post #3, if you need more then let me know and I'll see what i can dig up.

 

Thanks

 

Chelle

[dx100uk]

sri didnt see those

 

can you confirm what you paid between the dates of the two dn's?

 

dx

[Chelle893]

We paid the £30 and it has reduced the balance by £30 so no additional charges or interest have been added

 

Chelle

[dx100uk]

then you didn't satisfy the first dn

so they have no right to issue a second.

 

dx

[dx100uk]

pers i'd move to reclaim those PPI payments now.

 

do you have all the statements?

 

dx

[Chelle893]

My dad is in the process of pulling up everything that he has on it at the moment so I can go through them. If he can't find them all I can request copies from Lloyds can't I?

 

Should I in the meantime send a letter to the solicitors stating that payments are being made and that an agreement was reached with Lloyds 2 years ago and we have not broken that agreement?

 

Thanks

Chelle

[dx100uk]

no i'd not bother with them at all

 

if you have not got the statements

 

you can SAR lloyds for £10

then they must sent everything they hold in their data systems on your dad.

 

see how you do.

 

dx

[Chelle893]

Hi dx,

 

I've attached a copy of the letter I'm planning to send, can you please let me know if there is anything else I need to mention.

 

Dad has also received another statement this morning from Lloyds showing his payment and no other charges or interest have been added.

 

Many thanks

Lloyds letter 25.11.10.pdf

[dx100uk]

pers i'd just send the std sar fom the library tab top left

 

dx

dx