LLoyds, PENALTY charges+False CRAs marking **WON + COMPO**

[Paul1954]

Hello to all.

 

New and don't want to tread on the toes of anyone by posting in wrong forum.

 

I've looked and searched - honestly! - but can't find the one I need - I think.

 

In brief,

 

I owed £12 on a TSB visa card.

I paid it.

Unfortunately they got it a day late and charged me £15 interest.

 

Unfortunately again, I had then moved, never to used the card again.

 

36 months later a debt collecting firm have contacted me saying I now owe £64 with the accrued interest on the £15 interest,

and it's gone on my credit rating thing.

 

So, could anyone direct me to the correct sub-forum please to ask for advice.

 

Thank you. Paul.

[AndyOrch]

Hi Paul and a warm welcome to CAG

 

I will direct your thread to the appropriate forum.I have also amended your thread title.

 

Regards

 

Andy

[Bazooka Boo]

Wow! A poxy late payment fee and they have default marker on your CRF!!! This will be fun....

 

Welcome by the way.

 

Who is the parasite who thinks they are going to get ANY money out of you? You can name them.

 

Ignore them totally for the time being, lets deal with LTSB first, as they're the ones in the wrong here.

 

You need to enter into their complaints procedure first http://www.lloydsbankinggroup.com/customers/complaints_H1_2013.asp

[dx100uk]

you owed £12 and that cost £15 in interest, something not right there!

 

can we have some dates please

 

it might pay you to SAR Lloyds and get all the statements.

 

as for the dca

 

stay off the phone if they ring you.

 

can you also tell us the details of the debt from the cra file too.

 

dx

[Paul1954]

Many thanks, Andyorch.

Thanks to Bazooka Boo and dx100uk for the response.

 

The TSB complaints procedure seems to be a call-back form?

Do I just say I don't agree with the charges/interest and that's enough to start the ball rolling?

 

I'm looked out of my credit report until 3:45pm. Wrong password! However, I have a basic print-out with dates.

 

Took out the TSB credit card on 1/1/79. (loyalty, eh?)

Moved to present address in April 2011. Paid for mail forwarding for 6 months.

 

Got my paper statements monthly, and

around September 2011 queried the £15 charge for being one day late with the £12 payment.

 

Explained I'd been with them 32 years, and the payment was only a day late.

They said rules is rules.

I told them to close my account.

 

As far as I am/was aware I paid the £15, but I could be wrong.

 

The mail forwarding ceased, at which point TSB may have been sending me reminders to my old address.

Letters were never forwarded by the buyers of our house. Nice of them.

 

On 22/8/13, Wescot wrote here asking I contact them to confirm my address.

I discovered they were some kind of DCA. Intrigued, i rang, because as far as I was aware,

I was fortunate not to owe a penny to anyone.

 

They told me about the £64:41 I owed.

I asked them to send me a statement showing why.

They said they'd get TSB to send one.

 

I checked my credit report and found that TSB had added interest to the £15 for several months

until it reached the £64:41 mark, at which point they froze it.

 

On 11/9/13 I got a letter from both TSB and APEX.

TSB just stated the figure, with no breakdown, and that in future I had to deal with Apex, which the APEX letter confirmed.

 

I waited for the promised statement from TSB.

 

Last week APEX wrote threatening court action, bailiffs and attachments of earnings etc.

 

I rang them and explained I still hadn't had a statement from TSB.

I said they could be anybody demanding money, or it could be a [problem] for all I know without a statement.

 

He said he'd get TSB to send me one.

 

That's where I'm at.

 

it's not a fortune I know, but there's a priciple involved, plus my damaged credit rating.

 

I can't give you any more detailed info on dates and figures until after 3:45pm, as I said.

 

Thank you.

Paul

[dx100uk]

no that's great

 

ok so they levied an unlawful £15 PENALTY fess for being one day late

then the interest just arose from that.

 

now they've sold the debt to APEX.

 

ok firstly stay off that phone!!

 

never ever ring a DCA

they are NOT BAILIFFS

and have no such LEGAL POWERS.

 

the balance is solely down to THEIR unlawful PENALTY charges

 

you can either ignore apex

 

or write to them

 

stating the balance is solely made as a bove and you are reclaiming it.

 

then put in a reclaim to Lloyds for it.

 

see no.3. below

 

what if you want to do anything about the 'damage' to your CFA file

is up to you

 

dx

[Paul1954]

Thanks for that, dx.

 

Read the point 3 stuff.

 

Just finished on phone with LTSB, and quoted extracts.

 

I couldn't complete the online complaints form because it requires the card number, which I don't have, just the account number.

 

Lady says they have no information about my account, as it is closed and been passed on to APEX, and I have to deal with, and pay them.

 

I said she was wrong and gave her the reasons I got from here.

 

She's adamant they have no details and can't supply me with any.

 

Not sure how true that is, given that APEX said they are asking LTSB to send me a statement?

 

I've asked for the address to make a SAR for a copy of the call, which she gave me.

 

What do you suggest I do now?

 

Thank you.

Paul.

[dx100uk]

sar them then.

 

they are wrong but never mind.

 

I certainly would not be paying them anything

 

dx

[Paul1954]

Thanks for that.

I'll wait for the statement, which has every chance of not arriving.

 

If it does, I'll SAR TSB (with £10!) and ask for a copy of the phone call,

and then I can ask why I was told there was no information about my closed account.

 

Information they must keep for 6 years, or so the PPI claims tell me.

 

Once I start the ball rolling, I'll use the info you and Bazooka Boo gave me, plus the other stuff on this site.

Thanks very much to both of you.

I'll be back!

Paul

[Bazooka Boo]

Correct, all info regarding the account MUST be kept for 6 years from the closure of the account under the money laundering regs, if they have said they haven't got this info then you should inform them that you will report them to HMRC, bet they suddenly find the info then!

[Paul1954]

Result!

Can't believe it!

 

I rang the Financial Ombudsman Service, as APEX hadn't replied to me in over a month.

The lady said it was something they could help with.

She contacted APEX.

She rang me and said APEX said it was Lloyds TSB she needed to contact.

She said she had just written to them and was letting me know. Impressed!

 

A nice man from Lloyds eventually rang me.

He apologised profusely for all the problems I'd had.

Turned out it was a £12 payment to WHICH that I'd cancelled,

but one final payment was taken off

which I didn't know about due to moving and paper bills etc.

So, it was my fault, really. (My words to him, not his.)

 

He said it was a misunderstanding, not a fault, and

Lloyds would be recalling the debt from APEX,

clearing the bad credit rating completely,

wiping the debt out and paying me £100 compensation!

 

I've had the cheque, and a letter confirming all this.

 

Over the moon!

 

So, thanks to all for the advice I was given.

 

In the end,

I didn't need to go down the route many other unfortunate people on here have to follow.

 

But to know so many of you give your time freely is a comfort to all.

Thank you.

Kind regards,

Paul

[dx100uk]

hey great result!!

 

dx

 

The Consumer Action Group needs help to cover itsexpenses.

You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate

[DumbRottie]

Well done you!

 

 

But, a word of warning.

 

 

Keep all the paper work in a nice safe place and hang a copy of your cheque, nicely framed, on the wall.

 

 

Then when in a few weeks or months time, Lloyds debt collection process bursts in life again, you have all you nedd to give them a good spanking.

 

 

I have two cheques - £200 + £50 - and letters from a number of DCA's chasing a closed account - including Apex.

 

 

Do have fun

 

 

DumbRottie

[Bazooka Boo]

Excellent news well done!!