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


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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

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

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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 :)

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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 by houseofwallace
ETA: spelling corrections...
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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

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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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 :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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

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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

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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

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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 ;)

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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

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