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Lloyds Tsb claiming more money?


MissBehave
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Hi,

I am new to this site, sany help you can give is most appreciated. I have a bit of a complicated one here.

 

In October of 2008 I think my bank account got over drawn (£300) through my own mistake and I rang them up asking them for help as if I paid it the following month I would then have no money left out of my wages to pay car insurance etc etc. Anyways I rang them up and spoke to some one while my account was still over drawn, the gentleman on the other end of the phone told me that as I got paid a few days later I would have to ring up then to get it sorted. So I rang back on pay day and they said they couldn't do anything as my account was now in credit(!) I phoned back an hour later after withdrawing all of my money and put it back to being overdrawn. Then they told me that they would help and gave me a temporary overdraft of £300, it didn't cover what they had already gone out and I ended up getting charged more. Now three years on this debt has now totalled over £1600 and it has gone to the in house collections. I was origionally paying them £50 per month and then went on sick leave and ended up having less income so offered to pay them £1 per month

 

Anyways heading back to my point and origional question... I have asked there in house debt agency to send me some statements from when I first started to dispute the account. I haven't received them. And I am totally disputing the fact I owe them so much money as if they helped me out when i origionally asked them too it wouldn't have ended up this bad. Although I do accept the origional £300 was my own fault (I thought that I had more money in my account then I had and a PayDay loan came out of my card afterwards).

 

Is there anything I can do or should I just admit defeat and pay all the monies they say I owe?

 

Thanks

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why dont you SAR them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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