Partner's ex left her in debt, Lloyds TSB uncooperative. HELP!

[houseofwallace]

Hi guys.

 

My girlfriend has been hiding from the phone for a few months, and finally broke down in tears to me last night. Her ex left her with a £3k credit card bill in Autumn 2003, and she had difficulty paying, incurring charges She contacted Lloyds soon after with an arrangement to pay a small amount each month. This ended and returned to regular payments. Later on in 2006 she made another arrangement to pay smaller monthly payments

 

In April of last year, the agreement ended and went back to scheduled payments, in all the time she's been paying, her total balance is still £2850, despite paying over £2500 to them in the time.

She suffers from depression and ME, so is in receipt of Incapacity Benefit and cannot pay very much.

This is driving her up the wall, and putting massive strain on our relationship!!

 

Can anyone give us some advice? She struggles dealing with stress because of her ME. Is there any way I could deal with this in place of her, or would the OC require her to put something in writing?

 

I have a funny feeling that she is paying PPI too... Agreements in 2003 pretty much had it tacked on by default if I remember.

 

 

Many Thanks,

 

CJ

[rebel11]

Hi house

 

Have a read of 1,2,3,4,7 and 8. I think you partner needs to do some fighting back.

If the PPI has been mis-sold claim it back with interest. If there are penalty charges on the account claim them back with interest.

 

http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

[houseofwallace]

Downloading and reading now.

I'll pass them on to her when she's awake and coherent. I plan on taking this as far as I can, seeing her upset is the worst thing for me.

 

Thanks for the advice. I'll keep you posted.

 

 

CJ

[rebel11]

If you need more help just ask.

[citizenB]

Is the debt in your partners name.. or in her ex's ?

[houseofwallace]

In her name. Long story short, he played the "Oh, I've not paid the {insert bill here} can you pop it on your card until I get paid?" line until she was at her credit limit, sadly.

Basically, he spent all his money and left the household broke and she tried to cover it using credit cards. She's paid one off already, and it almost killed her financially.

 

Glad she kicked him into touch I'm much nicer

[houseofwallace]

UPDATE: We're printing off the necessary letters and heading to the post office this morning. Just gone over everything with her, and she wants to pass on her thanks. x

 

We'll keep you updated when we get a response.

Edited August 4, 2011 by houseofwallace
ETA: spelling corrections...

[dx100uk]

yep get reclaiming! and get that ppi back

use the fos complaints forms and read here......

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

dx

[citizenB]

In her name. Long story short, he played the "Oh, I've not paid the {insert bill here} can you pop it on your card until I get paid?" line until she was at her credit limit, sadly.

Basically, he spent all his money and left the household broke and she tried to cover it using credit cards. She's paid one off already, and it almost killed her financially.

 

Glad she kicked him into touch I'm much nicer

 

 

Sadly, this is a problem we hear more and more of..

 

I doubt you will get any sympathy from the creditor.. all they see is that a person has a balance outstanding on the account.. regardless of how it accumulated

 

They should however, be taking into account the circumstances of your partner.

 

I am sure you are very much nicer

[rebel11]

Looks like Lloyds TSB are having a bad day all round:-)

[houseofwallace]

Looks like Lloyds TSB are having a bad day all round:-)

 

haha! Just read this on BBC news. How long before they ask for another bail out?

[houseofwallace]

Okay. The CCA, Charges reclaim (found out she had a current account with them too, and they were charging her upwards of £70 a month whilst she was in receipt of benefits for three years), and the SAR request have all been sent today via recorded delivery.

 

And now we wait.

 

 

Thanks for all the amazing advice on here, I've noticed a significant improvement in her mood since we posted the letters off, seems like a large weight is slowly being lifted.

We'll keep you posted as and when they reply.

 

 

CJ

[matt5983]

Pm's sent

[rebel11]

Hi House

 

This is worth a read:- http://www.itv.com/daybreak/money/martinlewissection/bankcharges/

[houseofwallace]

UPDATE:

 

Okay, so Lloyds TSB have sent us a reconstituted agreement, with a lovely letter detailing all the OFT guidelines on "not having to provide the original", and (to paraphrase) "stop trying to wriggle out of paying, and give us your money".

I'm going over the agreement with a fine-tooth comb to see if there are any errors. However, they seem to be on the ball with this one.

 

They included a lovely paragraph about them "not entering into further communication about this matter" too.

 

Can anyone poke me in the right direction from here?

 

 

Thanks,

 

CJ

[matt5983]

Get my pm's?

[houseofwallace]

Aye. Thanks. Replied.

[sequenci]

Please keep advice on forum, this ensures that advice can be verified for accuracy - and also may help others too.

[houseofwallace]

Okay. Will do.

 

Also, we received a final letter just now from Lloyds saying that they are outright refusing to refund the charges because of the test case, and referred us to the OFT.

Still waiting on the SAR though.

 

Is it worth going through the FOS?

 

 

Thanks,

 

C J

[matt5983]

Okay. Will do.

 

Also, we received a final letter just now from Lloyds saying that they are outright refusing to refund the charges because of the test case, and referred us to the OFT.

Still waiting on the SAR though.

 

Is it worth going through the FOS?

 

 

Thanks,

 

C J

 

We will deal with that another way

[matt5983]

Please keep advice on forum, this ensures that advice can be verified for accuracy - and also may help others too.

 

Sorry sequenci.....i havnt put it on the forum as of yet because as you know "they" read these. If they see the plan etc then they can be prepared and when someone has severe mental health issues the longer this drags out the longer the pain and suffering etc.

 

However, i did put up my case on the other section when dealing with lloyds