Scooterist007 vs Lloyds TSB (More than credit card)

[scooterist007]

Hi I have decided to reclaim charges from my old more than credit card, I had a card and got into trouble with it reguarding repayments, the account got took over with various debt collection agencys, Last year I paid a considerable sum to a debt collection agency and they are still hounding me for the rest of the balance, but it keeps going up as they keep adding their charges, now I feel that what I have paid is more than enough for what I owe, now I have sent Lloyds TSB a data protection act so I can see what charges I have incured so that I dont have to pay any more charges. does anyone think I have a case?

 

Regards

[thourb]

Yes, you definately have a case - especially if the amount that the debt collection agency is chasing you for is made up of these unlawful charges.

 

When you send the preliminary letter off to Lloyds, write to the debt collectors telling them in no uncertain terms to Foxtrot Oscar, as the account is under dispute. They have no legal right then to continue their pursual of the money until the dispute is resolved. They also will not be able to add any details of this to your credit report.

 

Has the bank put a default on your credit file? If so, you may be able to get it removed if you can prove that the reason it is there is because of the unlawful charges against you. You can check your credit report for free at Experian Credit Expert, check credit rating, credit reports & file alerts - with Experian CreditExpert.co.uk- 30 day trial.

 

Good luck!

[Guest Niklowe]

You'll be able to have all the charges back: don't forget to read these:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

[scooterist007]

When I sent a letter off the debt collectors phoned me up and I told them that I was disputing the amount, do I still need to write to them?

And yes they have put a defult on my credit file, which I will also claim for!

 

Thanks for the replies

 

Reguards

[thourb]

When I sent a letter off the debt collectors phoned me up and I told them that I was disputing the amount, do I still need to write to them?

 

It is probably for the best. If you write to them and they still keep contacting you, you can sue them for harassment.

[scooterist007]

well they are dragging their heels cos i still havnt heard anything form them yet, not even a letter stating they have received my letter and are looking ito my request etc!

[scooterist007]

Hi everybody, I have not heard anything from lloyds, should I contact them to find out why they havnt sent me my list of charges?

Also I am having problems from a debt collection agency called 'Allied International Credit' They phoned me up and said that they dont care that I'm in dispute with Lloyds because I owe them (allied int) the money as lloyds have passed the debt onto them, they said that they could reduce the debt slightly, but i kept saying to them that i was in dispute and all she kept saying was that she wanted the name of a solicitor or she would pursue the debt, and she also said that they will phone me up everyday aswell! I then told her that as I didnt want the company to ring me up anymore, they would be breaking the law and I will see them prosicuted for hassling me, to which she laughed and said what law would she be breaking! so I got their address and will write to them about the harrasment, but what law do I quote in this letter?

 

many thanks

[bearo]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html this is the letter you send for telephone harassment, just hang up whenerver they call do not be drawn into a slanging match or conversation down the phone it will only stress you out even more.

 

As regards Lloyds not sending you your list of charges i am assuming you sent your request on the 5th October? If so they have 40 days to comply, so quite a bit of time yet i am afraid although you could in the meantime try and chase them and ask them for them asap as it is urgent, although chances are they will reply with "everybody's request is urgent" So sit tight, get that letter off to the DCA and Write a letter to Lloyds also along the same lines asking them to tell their DCA that the account is in dispute.... any questions just ask!

[scooterist007]

Hi olliebear, I sent off the dpa letter on the 29th september and I do realise that they have 40 days but i havnt received anything from them at all and appart from the fact I sent the letter recorded delivery, I wouldnt know if it was received!!

[bearo]

If you sent it recorded delivery you can check on royal mail when they received it, the tracking number is on the receipt, although to be honest it doesnt matter if it was sent rec or normal post, a judge will deem a letter served two days after posting, so count your 40 days from 31st. Calendar days not working,

As I said give them a call in that case and see whats happening, copy statement unit in Birmingham may be able to help you here is the number 0845 300 4431

[scooterist007]

Right I phoned up llyods and they said that they havnt received my letter to which i said that i sent it recorded delivery and was signed for on the 2nd october and that i have a copy of who signed for it, so he said that he was going to chase it up and let me know tomorrow!

[scooterist007]

Ok I got a phone call from Lloyds and they said the because my account has been passed over to allied int credit, that the post room manager has passed my data protection act letter to them! so I told the guy on the phone what my letter was about, and he said sorry and could i send in another letter and £10 and he would personally make sure I would get my statements sent through, strange really, he is a really polite and nice guy! lol