Lloyds loan

[roaringgirl]

Hi

 

sent a cca requestson 2nd and 15th of October. Cheque cashed.

 

sent non-compliance of cca letter 15th December and today received a letter from BLS saying we owe them over 6k!

 

1) they are wholly wrong about the amount

2) they have ignored ALL letters

 

what now?

[dx100uk]

ignore them then

 

dx

 

is this related to:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?371254-lloyds-amp-Reconstituted-copy-of-CC-CCA

 

dx

[roaringgirl]

No, this is a separate account Sorry - should have made that clear

[dx100uk]

ok that clears things up then.

 

if they are ignoring your legal request for a copy of the docs THEY MUST HOLD

 

to demand payment

 

you ignore them and stop payments.as you've alreay sent the failure notice twice

 

dx

 

 

dx

[Bazooka Boo]

Glad I left this bank, [edit]s.

[roaringgirl]

Right - I finally tracked down the amount for the original loan which was taken out October 2002 - it wasfor 19k.

 

24 payments of £399, totalling £9581, were made before my husband went to payplan.

 

He has since made payments of just over 10k - you do the maths.

 

I am furious with them - not only have they ignored all my requests for a CCA and passed me over to their lackeys - they insist he still owes them 6.5k!!!

 

It's the same account - I checked the numbers.

[Guest]

interest? interest should usually stop when it goes to collections. payplan should've ensured that.

consider doing a sar as well.

bls are loyds inhouse collectors, ie are part of loyds.

[roaringgirl]

Ok - they have sent a statement which is hugely inaccurate.

 

1) It lists all payments made from Oct 2004 - Sept 2005.

2) It states we made no payments from Oct 2005 - Feb 2006

3) It states we made a payment of £209.90 in March 2006, none in April and one in may 2006 of £314.85

4) It states we made no payments in June and JUly 2006

5) It then says we made payments by DD of £399.22 fr0m Aug 2006 - Feb 2007 which bounced ( we had no such DD set up)

5) We have been charged interest of approx £100 pcm - and even when we did make payments of £104 pcm the overall amount outstanding increasde rather than decreased.

 

They have been adding interest at a phenomenal rate instead of freezing it like Payplan had said they would do.

At this rate we will never pay them back.

 

Anyway, we have made payments of £9895.26 on an outstanding amount of £12,912.81 which leaves a balance of £3017.55 and NOT ^the nearly 7k they claim we owe.

 

I have SAR'd them and will collect documents tomorrow - but I am furious at the way they are trying to fleece us.

 

Oh and the statement ends in Feb 2007 - eh?!

 

What do I do about the interest they have charged?

[dx100uk]

well lets get the info first.......

 

dx

[Guest]

What do I do about the interest they have charged?

 

 

where there are evidenced financial difficulties, interest/charges should cease (Lending Code for eg). as you were in a dmp via payplan (obvious difficulties) that should've happened. complain to payplan and loyds? see what comes back re the sar. in any event when a matter goes out to collection loyds usually stop contractual interest anyway.

[roaringgirl]

Ok - I have the SAR and it is exactly as I have laid out above. There is a signed copy of the agreement so we have to pay it which is fine However,I dispute the amount. Can anyone help me structure a letter to get to the bottom of this?

 

Thanks

[dx100uk]

so when was you actual last payment?

 

dx

[roaringgirl]

August 2012

[dx100uk]

didn't know you were paying this?

 

so how are you paying now?

 

through payplan?

 

when did this start?

 

dx

[roaringgirl]

Paying through payplan since Oct 2004 - came into some money ( mine not my husband's) last summer and offered a F&F. They refused and that' when I started to dig and found out all this. I am prepared to apy what my husband owes, but not the amount they claim we owe because it is wildly incorrect.

[Guest]

are you still with payplan? when did that cease?

[roaringgirl]

No - we stopped paying payplan last August.

 

We have settled 2 debt, had one written off;

one hasn't responded to any of our letters;

 

Arden are being are difficult and we are trying to pay LLoyds and negotiate a F&F but they are being difficult and won't even negotiate.

 

This particualr debt is incorrect on the amount they say we owe them.

[Guest]

ok, maybe could, if required,

 

also get all info from/query payplan re payments,

case management, etc (maybe some of those 'unknown' payments were made by them) in prep re a complaint.

 

maybe a sar to payplan may not be needed if they are amenable?

 

have a look at Lending Code, also the oft guides re debt collection and irresponsible lending, and dmc guides, etc ready to cite?

 

have you checked your credit files?

what does that say, any default?

see what dx says

arden?

is it now with them?

Edited February 9, 2013 by Ford

[roaringgirl]

I have all the info from Payplan and thus proof of payments made that they said we didn't make.

 

They have charged a load of interest though since my husband went to payplan until they decided to hand over the debt to their collections dept in 2007.

 

Loan was defaulted ages ago - due to come off this year I believe.

[Guest]

also, is your sar request from loyds complete? should get more than just statements

is there any missold ppi involved?

[roaringgirl]

no ppi - and all looks complete, just that the statement misses out the payments I outlined above.

 

Ignore the ref to Arden - that's summat else.

 

The loan and default has remained with Lloyds all the way along.

[dx100uk]

ok full circle to post 2

 

has anyone returned an enforceable CCA?

 

dx

[roaringgirl]

yes - they have. It is totally enforceable.

[Guest]

after bls (their in house) will be either; sent out externally for collection (likely), sold (maybe), or legal action (s/b last resort). in either case, any interest is v likely to be stopped from then.

but, as said, they should've frozen prior.

Edited February 9, 2013 by Ford

[roaringgirl]

my point is that they have it wrong because of this

 

1) It lists all payments made from Oct 2004 - Sept 2005.

2) It states we made no payments from Oct 2005 - Feb 2006

3) It states we made a payment of £209.90 in March 2006, none in April and one in may 2006 of £314.85

4) It states we made no payments in June and JUly 2006

5) It then says we made payments by DD of £399.22 fr0m Aug 2006 - Feb 2007 which bounced ( we had no such DD set up)

5) We have been charged interest of approx £100 pcm - and even when we did make payments of £104 pcm the overall amount outstanding increasde rather than decreased.

 

Anyway, we have made payments of £9895.26 on an outstanding amount of £12,912.81 which leaves a balance of £3017.55 and NOT nearly the 7k they claim we owe.

 

I don't want this to be sold, or to be taken to court - what I want is to pay what I owe - and owe fairly. How do I go about getting them to look again at their figures? If I write a letter is there any point copying to banking ombudsman; OFT and any other relevant parties?