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lloyds tsb overdraft debt


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Hello!

 

I have posted on here before and found it so helpful so I am hoping for more help regarding my lloyds tsb overdaft debt.

 

I had a current account that was passed to ltsb collections about 2 years ago and I set up an arrangement plan with them, which I renewed every 6 months. However I found contacting the collections dept in India stressful and on my most recent renewal sent them a letter instead. They responded by sending me a new I+E form which is done every time I renew the plan, I completed it and sent it back but never had a reply. The account then disappeared off my internet banking and i think they may have sold it onto a DCA but I have had no letters to say this.

 

Is there any way I can find out where this account is without having to phone collections? I have seen there appears to be numerous different DCA who collect for lloyds so i really dont know where to start but i really want to get this debt cleared as its the last one left on my report that i haven't settled.

 

Any help for this would be HUGELY appreciated!!!

 

Thanks !!

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You could try your credit file, the new owner (if there is one) should be updating your credit files in their own name.

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I would also be making a formal complaint to Lloyds and exhausting it, if you had an agreement with them to pay a certain amount each month and they have suddenly broken that agreement, then IMO that would come under BCOBS and argue that point.

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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Yes ALWAYS keep everything in writing, this gives you a paper trail of evidence then.

 

If Lloyds have their name against the marker on your file, then it is likely still with them, so IGNORE their third party goons, deal direct with the bank.

 

Use their own complaints procedure, and if needs be exhaust it so you are able to escalate the complaint further.

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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