LLoyds Bank/Moorcroft/Midascreditservices - help needed

[renifos]

Hi,

My son has an old debt with LLoyds due to going into unauthorised overdraft.

 

He is not working and not claiming benefits, we support him.

 

I have sent all sort of letter and statement of earnings in the past, also have asked them to take the charges away.

 

The original overdraft amount was £280 all the rest are charges.

 

They have at last frozen the account at £429.36 and he is getting letters from Moorcroft.

 

Now he also has received a litigation warning letter from Midas.

 

I would like to make an offer for a lump sum of £300 to get rid of this at last.

 

Do I send this letter to Lloyds, BXT 1LT as I had correspondence from them before?

 

Any idea if they would accept this?

 

Am I doing the right thing?

 

Your advice would be greatly appreciated.

[i hate bailiffs]

i would send a letter to lloyds marking it formal complaint

 

i done so and had a refund of around a grand and a cheque for £60 i complained more than once and yes another £60 cheque

 

saying that i was paying every month and interest they applied was more than i was paying

 

they may do a reduced settlement figure but they may sell the discount on to another bottom feeder

[dx100uk]

well ignore the fleecing dca's thats for sure

 

F&F to lloyds but demand they remove all negative data from his cra file and mark it satsified

 

partial is NO GOOD.

 

dx

[renifos]

I have sent a letter of complaint to LLoyds in April.

 

They replied that they cannot remove fees and so on and would not refund anything but closed account and passed it on to Moorcroft.

 

They said I could contact ombudsman within 6 months.

 

The letter I am planning to send is the offer without prejudice from debtline.

 

It really grieves me having to pay them charges.

 

I did complain that the debt nearly doubled as the original amount was only about £280 for a direct debit payment they made which sent him into unauthorised overdraft.

 

Should I just offer that to Lloyds?

[dx100uk]

dont read this question wrong..

 

bu

 

why are you looking to pay this off?

 

they'll go nowhere near a court which is why they have sold? it on

 

dx

[renifos]

The reason for trying to pay it of was the recent threatening letter from Midascreditservice (stating that they are part of Moorcroft) giving a Litigation Warning if we don't contact Moorcroft by 13/6/12. Basically to get rid of them.

[dx100uk]

aha

 

no dca has ANY legal powers to do ANYTHING to him.

 

dx

[i hate bailiffs]

The reason for trying to pay it of was the recent threatening letter from Midascreditservice (stating that they are part of Moorcroft) giving a Litigation Warning if we don't contact Moorcroft by 13/6/12. Basically to get rid of them.

 

what they mean is we are begging you to contact us and pay us some money before we give up and pass it on to another bottom feeder

[renifos]

Thanks for all your replies. I am now confused. Should I ignore it all and don't pay anyone and just forget about it?

[dx100uk]

yes!

 

unless he needs his cedit file clean IF it shows at all?

 

dx

[renifos]

I will check his credit files. Until then, I will take your advise and not pay anything, thanks.

[renifos]

My son is still getting chased by Lloyds for £429 and they now passed the debt on to CSL.

 

I have offered to pay £300 in full and final settlement and they said they would take £329.

 

Now CSL have contacted me saying that the offer is on for 7 days.

 

I asked them if this will clear his credit file and they said they would put 'settled part payment, satisfied'!

 

I have asked them to confirm this in writing first before I would pay them as they wanted me to pay over the phone by debit card.

 

Does this mean his credit file will be clean?

[dx100uk]

no waste of money!

 

dx

[renifos]

Could you please explain further, dx?

[dx100uk]

PS is as good as a CCJ on a CRA file.

 

also means the rest can be gotten at a latter dates.

 

anyhow

WHY are you even contemplating paying these fleecers

 

I thought this was resolved long ago...

 

dx

[renifos]

My reason and the latest news, dx:

 

I have just complained by letter to Lloyds ( on behalf of my son) again as I am getting constant harassment calls on my home phone

(and my son gets them on his mobile) from Westcott and also letters from CSl.

 

This was after requesting to be contacted by mail only.

 

Lloyds replied and have paid my son a cheque for £50 for the distress and inconvenience!

 

Quote: "We would accept £322 towards the balance.

 

If this payment was made we would accept this as partial settlement and your credit file would be updated to show this.

 

The account would then be recalled and you would not be pursued further for this."

 

I am not sure if this is good or bad?

[dx100uk]

nope getting fleeced

PS is as bad as a CCJ.

 

waste of money.

 

did you get his cra file?

 

have you All the statements..

 

the fees are UNLAWFUL penalties.

 

dx