Removing Default From LLoyds

[dazdubai]

Afternoon All.

 

I was searching online and come across this useful and helpful website, so decided to join and post what im in the middle of trying to sort out.

 

I have recently wrote a letter to LLOYDS TSB asking for them to remove my default on my account.

 

which goes like this.

 

 

Lloyds TSB Plc

Customer Service Recovery Centre

Charlton Place

Andover

Hampshire

SP10 1RE

 

Date: 2nd June 2012

 

 

 

Dear Sir or Madam,

 

Account Number : xxxxxxxx

Sort Code : xx-xx-xx

 

After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a “Default” notice against my bank account.

 

Further to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convience.

 

1. You must supply me with a true copy of the alleged agreement you refer. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78(1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxxxxxx

2. You must supply me with a signed true and certified copy of the original default notice.

3. Any deed of assignment if the debt was sold on

 

I would request that this data is provided to myself within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated.

 

Yours faithfully,

 

xxxxxx

 

 

 

Has anyone else had a default put on your account by LLOYDS TSB and managed to get it taken off at all.

 

Many Thanks

 

Daz

[dazdubai]

Also i would like to point out i had a £7000 overdraft limit given to me which i did not ask for or apply for and a premier account was given to me which i had to pay a monthly premium for and got a £500 interest free overdraft allowace, i was also getting charged £120 interest on this overdraft for being over my credit limit which i had fraud come out but LLOYDS TSB still kept putting interest ontop.

 

I wrote 9 letters complaining which i have copies off and still no joy so decided to pay £120 a month until the amount was paid off.

 

I still have not cleared the remaining balance as i feel the rest is now the fraud that come out and charges that they put on.

 

Any help with this would be very grateful, and have i taken the right route to get the default removed.

 

When the default is removed (fingers crossed) then i will write to them again to ask them to remove all charges on the account.

 

Thanks again for your time.

 

Daz

[dx100uk]

bank accounts dont have CCA's

 

fraud?

 

dx

[dazdubai]

what do you mean bank accounts dont have cca's?

 

i have a default on my credit file via me going over my overdraft limit, and this was regarding the fraud that made me go over the limit.

[dx100uk]

if it was fraud

then you need to iinvolve the police

or

actionfraud website.

 

bank accounts are not credit

so , in general terms, there is no Consumer Credit Agreement involved.

 

dx

[dazdubai]

how do i now contact police after the default was put on in september 2009 and now is june 2012?

[dazdubai]

Below is my credit file, click on lloyds to see

 

[dx100uk]

was this to do with fraud or not?

 

ie someone used your bank account ?

 

dx

[dazdubai]

This is my current credit report with the default showing, and i refused and wrote to lloyds on numerous times, to look into the fraud and why they was charging interest and in the end i gave up and agreed to pay a sum of £120.

 

if i knew about this site i would have asked for help and information here but didnt no,

 

do you think they can take the default of the account as i have agreed to pay a sum amount and have been paying ever since?

 

Daz

[dazdubai]

i also remember reading a previous thread that if the default was put on over 6 months after the start date of the case,

 

start date is : 01/04/2008

default : 30/09/2009

 

that they will have to remove the default regardless, is this correct?

 

Daz

[dx100uk]

if these issues are to do with fraud on your bank account

 

that was not of your doing

 

why are you suffering?

 

you need to tell us the story of the fraud

 

if your bank did not sort this out properly

 

you need to get it resolved

 

you should not be suffering because of it

 

dx

[dazdubai]

because after all the letters i gave up in the end, i was fighting a losing battle and thought to purse it i would need a solicitor and go court which i didnt have the money and didnt think about coming online for help to be honest, and i was in debt up to my eyebills, now all my debt is clear and older i want to purse this.

 

So now im gonna fight to get my default removed, then after, get them to wipe the account and claim compensation. (fingers crossed)

[dx100uk]

right

 

ok well you need to contact the fraud dept of the bank then

 

and start from scrath

 

tell them you have now been refused a mortgage or WHY

 

and although you've lef this for a long time

pers circumstances [divorce or something nervous breakdown etc etc]

 

you require this to be investigated fully

 

and at the VERY least your credit file CLEANED

 

dx

[dazdubai]

thanks for your advise, i will wait until i get a reply with my 1st letter i sent and then send another letter to the fraud team for them to also investigate this matter

 

Daz

[dazdubai]

Just checked the post offices track and trace and they still have not sent letter, and i posted it for signed delivery on saturday?

[dazdubai]

Scanned Letter LLoyds.pdf

 

Called the LLoyds TSB number and speaking to a idiot who dont uderstand english and dont get no joy.

 

Im getting sick and tired of dealing with these people.

 

Any help would be appreciated.