Im being chased for an overdraft.

[blott]

Im being chased for an overdraft by a company called Iqor the amount is £2,258.24, it was passed over to them from BLS and originated from a lloyds tsb account.

 

The account was a standard current account with no overdraft facility to begin with but i began by requesting £100 overdraft and things have spiraled out of control since then. Not all of the £2,258.24 was borrowed, a good proportion of it is charges, late fees and interest but i am unsure of how much. I haven't paid anything off the account for at least a 12 .

 

It has only just been passed to iqor from BLS and i have already had phone calls while im in work and quite late at night (8pm) to my mobile with long silent voicemails left, they are also sending some very threatening letters demanding money i don't have, all signed by they're "pre-litigation" manager.

 

I have a couple of credit cards that i'm struggling to pay off and i cant afford this too. how can i get them off my back.

[alfwithhair]

When did you last make a payment towards this debt?

BLS Collections is a trading name of Lloyds TSB Bank

 

Do not speak to iqor on the phone.

Has the account been sold or is iqor just 'acting on behalf' ?

All DCA's have the "pre-litigation"dept, it is the next desk along from the pre-phoning and pre-writing.

[jdes26]

Send them the prove it letter

[blott]

I havent paid anything on the debt for at least a year.

 

The letter says on behalf of Lloyds, not sure if it has been sold on.

 

Im going to send the prove it letter tomorrow, what would be the next step?

Thanks for the quick reply.

[BRIGADIER2JCS]

Then the debt has been assigned

for collection only, yes try the prove it letter first,

but I think you need to consider a Subject Access

Request under the Data Protection Act 1998,to

to get all the data they hold on the account

tis will enable you to calculate all the charges.

The SAR costs £10.00 and they have 40 days to comply.

There is a template letter for this in the CAG. library, amend

to suit your case.

 

Brig.

[blott]

Do you think it's possible to claim the charges and interest back that Lloyds TSB added onto my overdraft?Should i be sending my request for SAR to Iqor or direct to Lloyds TSB?Once again thanks for the quick response!!

[BRIGADIER2JCS]

Yes, when you get the results of the SAR you will be able to calculate

the charges accurately.