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Full and Final Offer - removal of default help please!


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Hi everyone

 

Lloydslink3.gif Tsb Customer Relations have advised that they will refund all the charges and the interestlink3.gif. The PPIlink3.gif complaint has not even been looked into yet, but told this is separate. The balance now stands at £500.

 

LTSB state the acount was closed 30th November 2011 and passed onto Moorcroft. Who due to the dispute placed this on hold. This was then passed onto Wescot in May who also placed this on hold and ceased collection activity. Have letters stating that they bellieved LTSB were looking into this. More recently though Wescot state this has been passed onto Credit Secuirities who do not have any record of the account. LTSB state this is with Wescot- so we dont know who this is with at the moment.

 

Have asked LTSB for a copy of the default notice, notice of termination or assignment but they wont send out. Know PPI is separate to this. Is there any way we could get them to remove default with a Full and finallink8.gif offer? Not sure if I am getting confused with CCJ's but if after 30 days of the date of the default registering, if you paid in full, this would then be removed. As if this is true, then we did not have an opportunity with the DCAlink3.gif.

 

Any advice on what to do next would be greatly appreciated, thanks.

 

Posted full thread below:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?361362-Help-needed-with-LTSB-PPI-amp-Penalty-charges-reclaiming-amp-subsequent-default&p=3947238#post394

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