Odd Lloyds TSB CC letter.

[deep in the whatsit]

Had health and debt issues in 2006 which caused me to put my head in the sand and ignore them all.

 

Now they should all have been statute barred and gone from my credit file by now. But i have not checked yet.

Still unable to work and now on ESA.

 

I opened some of the threat letters demanding money or else. to sort them in neat piles ready for the bonfire.

 

I opened one dated almost a year old which had my parents address on it. This was from Lloyds TSB and states they are changing my credit card agreement and that my account is currenty in default.

Err i have not been with the Lloyds TSB since it was just the TSB. I left that address some 25 years+, My parents still live there though.

This is the 1st i have heard of any balance owing and a default.

 

It says i need to quote my CC account number with most of it masked out.

 

As its so old should i just file it on the bonfire pile?

 

Also as my current financial situation has not changed, No job no money etc.

 

Is it worth getting my credit report and cleaning it up? Or just ignore it, I am very good at

ignoring stuff.

 

Just wondering if it could affect any future job applications?

 

Thanks

[BRIGADIER2JCS]

Yes certainly get your CRA files, Experian (Credit Expert) and Equifax have free 30 day trials, Call Credit has a free service called Noddle which is free but not always up to date.

 

Indeed in some jobs bad CRA files will not be acceptable. especially if there are CCJ/ Gain data showing and/or a lot of defaults.

[citizenB]

You should establish the status of the debts to see if they are indeed statute barred. 6 years from the first missed payment.

[deep in the whatsit]

Thanks, I have had debt issues from 2006. Which are now statute barred. But this Lloyds TSB letter is not something i knew about.

 

I had a TSB account whilst living at home as a YTS (remember them). A credit card was supplied with something like a £200 limit.

I worked at the placement firm for a while and then I moved home and jobs and opened an account with the same bank as my new

company to get paid faster. The old TSB account i assumed to be pennies in credit on the bank account and clear on the credit card.

Not made any payment to them for 25+ years so must be statute barred a long time ago.

 

I checked my credit file a year or so back and it was only showing the stuff from 2006.

 

I had the free trials so cannot get those again. I did signup to Noddle but it was new and glitched when i tried to

get my report so i gave up. I still get their emails though.

 

No CCJ listed anywhere. Do these drop off the file also or are they a fixed feature? Would the TSB get a CCJ for

a bill that cannot have been for more than £200 as that was the cards limit.

 

Although i am fairly sure it was clear. Owed pennies and they added £££ charges maybe?

 

Very confusing.

 

Thanks again.

[dx100uk]

if a ccj has not been enforced in 6yrs

it will drop off and be very diff to thus enforce

 

i'd say you are totally clear

 

edit that top line isrubbish

 

enforced or not

 

a ccj will drop off after 6yrs [removed from public record]

 

dx

[deep in the whatsit]

Thanks.

[deep in the whatsit]

Another quick Q? if i may.

 

After 6 years its statute barred and they cannot take you to court for payment. Right?

 

But the debt is still a debt and they can ask you for it. Can they do this forever and ever?

 

As long as they dont harrass you with constant letters and calls (been there already). But say a 6 month

or yearly statement saying you owe. Please pay sort of thing.

 

I was still getting calls to contact a debt company (arrow / scotcall), And a letter saying in a final effort to resolve

the debt their client has agreed to negotiate a significant discount.

 

No name or signature on the letter, Just Scotcall Limited.

 

This was 2 months ago. Last payment to the debt was either August or September 2006.

 

I assume the debts to be statute barred around March this year. If going by the default dates.

[dx100uk]

defaults are normally a good few months after the SB date.

 

there is no 'direct' link.

 

my mrs still gets chased for a debt from 1982!!

 

dx

[BRIGADIER2JCS]

Another quick Q? if i may.

 

After 6 years its statute barred and they cannot take you to court for payment. Right?

 

But the debt is still a debt and they can ask you for it. Can they do this forever and ever?

 

As long as they dont harrass you with constant letters and calls (been there already). But say a 6 month

or yearly statement saying you owe. Please pay sort of thing.

 

I was still getting calls to contact a debt company (arrow / scotcall), And a letter saying in a final effort to resolve

the debt their client has agreed to negotiate a significant discount.

 

No name or signature on the letter, Just Scotcall Limited.

 

This was 2 months ago. Last payment to the debt was either August or September 2006.

 

I assume the debts to be statute barred around March this year. If going by the default dates.

 

No payment and/or written acknowledgment in 6 year (5 in Scotland).

 

The OFT Guidance says, a debtor should advise the creditor in writing that a debt is statute barred, the OFT considers it unfair to continue to press for payment once this has been done, to do so MAY amount to harassment.

[deep in the whatsit]

Ahhh so me still ignoring them means they can still send a statement saying you owe please pay.

 

But once i inform them its statute barred and i will not be making any payment they should stop?

 

I read that the debt never goes away. So what are they allowed to do if anything?

 

Yearly statement with a begging letter?

[ims21]

Unless you tell them it is Statute Barred and you will not be paying then they will continue to request payment and they are within their rights to do this.

 

Statute Barring simply means that they cannot enforce in court. In England and Wales the debt still exists but in Scotland it is extinguished (and the limitations period is 5 years).

 

If you write and tell them that it is SB and you will not be paying then they should stop chasing you per the OFT guidelines.

[BRIGADIER2JCS]

The OFT Guidance on Debt Collection is clear that once a debtor has informed a creditor in writing (or DCA) that a debt is statute barred and they will not be paying, it is would be considered unfair to press for payment, to do so may amount to harassment.

[deep in the whatsit]

So as usual it's all my fault for still ignoring them.

 

I will have to sort out my credit report and make sure its all clear and respond to any future letters.

 

Getting some odd calls lately. International/withheld and SMS type calls even though i disabled the sms on my BT line when

the DCA's started sending them at 8:59pm and i was getting them from 11pm to 2am.

 

I managed to answer one and the guy with an indian accent didnt know what to say, Didnt have a clue who to ask for or why

he was calling me.

 

I did wonder if he just wanted to leave the message asking me to phone them on some 0844 number where they make some

money from it?

 

Thanks for your help.

[deep in the whatsit]

Got my experian creditexpert report. All clear.

 

Noticed an old phone account that still open. It was one of those pay as you go

but they billed me directly from the bank for the calls i made. No monthly charges.

 

They used to send a statement for zero which cost them 25 or 27p whatever it cost back then.

But the statements stopped.

 

One issue i have got is they billed me twice because their system doesnt work properly.

Gave me a JAVA error and a page that said no funds were taken.

 

I tried again in a different browser and same problem.

 

Message with JAVA error no funds have been taken.

 

The next day i get 2 confirmation e mails saying they have billed me.

I reply back to tell them it said it failed and wouldnt bill me.

 

I got a reply back asking for a bank statement to prove they took 2 payments. Are the 2 payment references not enough?

 

I do not get statements, Will the Halifax charge me for a statement?

[dx100uk]

sar will get EVERYTHING they hold on you

 

dx