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Clear all credit card debt in one payment


dreamseller
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I have a fair amount of credit card debt with Lloyds. I'm in a position where I can now pay a large amount of it off in one lump sum. What would be my best way to approach doing this?

 

I know the general consensus will probably be do it in writing. But I'd like to get this wrapped up ASAP. Is there a Lloyds email address I could approach them using?

 

I've heard it's possible to just approach your bank and say, "I'd like to close my credit card account and make a lump sum payment to clear my debt once and for all." My goal here is obviously to forego all the interest etc.

 

Any advice here would be much appreciated.

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Probably zero chance!

 

Is the account current?

Is it in arrears?

Are there any charges on it?

How much are we talking, ball park?

 

I don't see how you will be able to pay off a lump sum, of the total amount owing on the card, of that total is more and is legitimate payments with interest.

Unless there are fees charges then I doubt they would be interested, their sole existence is to make money off you.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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You MUST keep this offer in writing and sent by Recorded/Signed for post.

 

Any full and final payment offer must be conditional on:

1. Removal of all adverse data from credit reference files.

2. Any remaining balance is not to sold or assigned to any 3rd Party.

 

Until you get agreement in writing do Not pay anything.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I don't see how you will be able to pay off a lump sum, of the total amount owing on the card, of that total is more and is legitimate payments with interest.

Unless there are fees charges then I doubt they would be interested, their sole existence is to make money off you.

 

I realise their sole interest is to make money off me.

 

But I have also seen many stories here of people paying off lump sums of their credit cards when closing the credit card account.

 

We also have sample letters here entitled: Full and final payment letter.

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have you all the statements from birth?

 

have you any PPI or PENALTY charges?

 

might give you room to negotiate things better

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what are you going on about now.......

what has debt avoidance go to do with this persons thread?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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