Lloyds tsb/lowell

[gunner-highway]

Hi,

 

I have got Lowell chasing a debt from Lloyds tsb.

 

They have bought the debt it's around 350.

 

This is made up of charges nothing more.

 

The bank made a charge on my account for failed direct debit

they applied the charge while there was no money in the account.

 

They then charged me because their charge put me into an un arranged overdraft

same thing happened the following month they applied their charge then charged me for the charge.

 

I got a new account and ignored them and they kept adding their charges.

 

Back in 2009 they got me on the phone and not knowing any better I agreed to a payment plan,

which . Never paid on.

 

Now it's in the hands of Lowell who no doubt will take it to court eventually

 

my credit report has it defaulted in 2010 by my estimation it should have been defaulted around August 2009.

 

But I have no paperwork to refer to so I could be wrong.

 

I don't see why I should pay thus as its just unfair charges from the bank.

 

What should I do

[dx100uk]

have you all the statements to prove the balance

is made solely of PENALTY charges?

 

dx

[Bazooka Boo]

If it's made up entirely of penalty charges then this will never stand up in court!

 

Although these lot are getting quite litigious of late so it shouldn't surprise you if they attempt it!

V easily defended and thrown out if they do.

[gunner-highway]

No I don't have any paperwork for this only the letters from Lowell.

[Bazooka Boo]

Is this on your credit file?

 

Have you asked Lowlifes to prove you owe this?

 

Did the bank write and tell you they were passing it to these clowns?

[gunner-highway]

Yeah the bank told me that they had sold it. So far I have ignored Lowell.

[Bazooka Boo]

Told you over the phone or written to you with the correct document?

Is this on your credit file.

[dx100uk]

get an sar off to the bank

 

get the PROOF

 

in case it turns nasty

 

dx

[gunner-highway]

I wrote to Lowell asking them for proof of kid debt.

 

After four months they sent print outs from Lloyds showing the account was all charges.

 

I wrote back disputing the account stating it was all charges and I wouldn't pay it.

 

Lowells have just responded to this saying that after the 2010 court ruling in favour of the banks

I have no choice but to pay it and collection activity will start in 30 days.

 

Any ideas on what I should do?

[dx100uk]

when were these charges levied

date period