'premier' joint bank account from 2004. - confusing details.

[stevewayne]

I am so sorry for that, I did white the areas out and saved them so I am not sure whats happened. Thank you for spotting the error. I will get someone to call over today and show me how to do it correctly.

 

Thanks again.

[stevewayne]

Hi.

 

I have now corrected the error and placed them all on one PDF.

 

Thank you again for your advice.

 

Regards.

[dx100uk]

page 3 has a letter ref number

 

ok

 

now see how you get on follow link 1 below

 

and see if you can do the multi ppi calculation

 

the spreadsheet is at the end

 

dx

[stevewayne]

Hi.

 

Many thanks for your reply.

 

I have had a look at page 3 and all the others but can't see where I have left a reference number.

 

I have downloaded the spread sheet and also tried to open it but a box appears saying the programme is unable to run due to missing or corrupt files. I have tried a few times without success.

 

As far as the loan that remains and what Lloyds are chasing, we have had nothing back except a statement of payments made and we don't know what my friend is paying £25 per month for. We did expect some agreements back which would explain what it was but nothing came How does he stand now?

 

Regards and many thanks.

[Wellhellothere]

From what you've said it sounds like the loan is with the collections department. What they would normally do is setup a payment plan for people who regularly miss payments, this is something they do in agreement with the customer. Is it possible your friends wife did this before she passed away?

[dx100uk]

Hi.

 

Many thanks for your reply.

 

I have had a look at page 3 and all the others but can't see where I have left a reference number.

 

I have downloaded the spread sheet and also tried to open it but a box appears saying the programme is unable to run due to missing or corrupt files. I have tried a few times without success.

 

As far as the loan that remains and what Lloyds are chasing, we have had nothing back except a statement of payments made and we don't know what my friend is paying £25 per month for. We did expect some agreements back which would explain what it was but nothing came How does he stand now?

 

Regards and many thanks.

sorry page 2 1st of the statement pages.

 

have you MSOFFICE installed?

 

if not download openoffice its free

[dx100uk]

if there is a current loan

and he thinks this £25 is toward it

and theres no agreement

 

i'd be cancelling the the payment

 

Lloyds will write complaining

 

then send the CCA request

as you'll then know the number.???

 

dx

[stevewayne]

From what you've said it sounds like the loan is with the collections department. What they would normally do is setup a payment plan for people who regularly miss payments, this is something they do in agreement with the customer. Is it possible your friends wife did this before she passed away?

 

Hi. I have my friend with me as I write this reply.

 

He has no knowledge of what this current liability is for.

 

One of his letters say's 'current account loan', he has no idea what that is.

 

The SAR and the CCA requests did quote the reference numbers on the request letter

and given they did include the statement relating to that account in the SAR and CCA request bundle,

suggests that all they do have is just the statement and nothing else.

 

My friend states that any agreement made to pay a monthly amount must of been made by his late wife otherwise he would remember.

 

When she passed away my friend contacted Lloyds and asked about the payment being made to them

in particular what it was for,

they simply said it was a joint account and had to be paid.

 

This was just a few weeks after she had died and not a good time to deal with such matters.

 

Hope that helps?

[stevewayne]

if there is a current loan

and he thinks this £25 is toward it

and theres no agreement

 

i'd be cancelling the the payment

 

Lloyds will write complaining

 

then send the CCA request

as you'll then know the number.???

 

dx

 

Hi.

 

Many thanks again for your help and advice.

I do have open office and will have a go again at opening the file.

 

The original SAR and CCA request did include the reference numbers relating to this debt,

I still have a copy of it and it is the only reference number that I did quote,

do we need to do another SAR or CCA request given that's already been done?

 

I have replied to another post and copied that below which I think covers what your saying.

 

My friend has no issue about stopping payment given he has no idea what it's for

and Lloyds have not come back with any paper work to explain it,

he is just concerned about any potential action that Lloyd's may take.

[dx100uk]

you need to prove what this £25 is going toward.

 

if its not a joint account

 

bob's you uncle.

 

dx

[stevewayne]

Hi DX.

 

Many thanks for your reply.

 

So our best bet is to write to lloyds asking them what the £25 payment is for due to not receiving that information when the bundle came back after the SAR and CCA request?

 

Thanks in advance.

[dx100uk]

if this were me i'd be stopping the payment

 

they'll soon scream, then you'll know what its for.

[stevewayne]

Hi DX.

 

We are now going to write to Lloyds and tell them no further payments

and the reason is he does not know what he is paying for.

 

e will also mention that nothing was in the SAR and CCA bundle to explain it either.

 

If it is the case that they can not give a clear answer what are the chances of getting the payments made back?

[stevewayne]

Hi.

 

Just as we thought Lloyds had sent everything

 

a box arrived with over 4000 pages of data.

 

It all seems to relate to the three loans that were paid off when my friends wife passed away.

 

The only loan still active seems to have no paper work as noted on the scanned letter attached.

 

Could you advise please.

 

Many thanks in advance.

Edited March 9, 2014 by stevewayne

[dx100uk]

if the loan is still active they MUST hold paperwork

 

dx

[stevewayne]

Hi.

 

I will go through all the paper work in detail that arrived and report back.

 

Thanks again.

[stevewayne]

Hi.

 

I have now looked through over 5000 sheets of paperwork

and isolated everything that relates to this one debt.

 

It relates to a 'premier' joint bank account from 2004.

 

The account was started with a £500 overdraft facility and looking through all the bank statements

the account was never in credit up to when it was closed 16 Sept 2009 when it is marked as 'TFR to CDR' with a dept of £3,375.47.

 

Since that time payments were being made via a debt management company up to my friends wife passing away in May 2011.

 

The statements show that every year or so the overdraft was increased in the following amounts:

07/2005 - £1500

08/2007 - £1800

08/2008 - £2500

 

That is everything on file regarding this debt.

Your advice is appreciated.

 

Unrelated, but I also found his original mortgage agreement which he paid off last year with inheritance funds after his father died, nearly £50k

was paid to Lloyds pay off the mortgage.

 

On the agreement, and clear as day, showing the mortgage had full insurance cover.

 

The agreement is now being looked at by a Solicitor,

because looking at agreement the policy should of paid off the mortgage when his wife died.

[fkofilee]

FYI... Tfr to cdr means *transferred to Consumer Debt Recovery*

 

A pain in they arse department from LLOYDS. A word of advice steer clear.

[dx100uk]

Hi.

 

I have now looked through over 5000 sheets of paperwork

and isolated everything that relates to this one debt.

 

It relates to a 'premier' joint bank account from 2004.

 

The account was started with a £500 overdraft facility and looking through all the bank statements

the account was never in credit up to when it was closed 16 Sept 2009 when it is marked as 'TFR to CDR' with a dept of £3,375.47.

 

Since that time payments were being made via a debt management company up to my friends wife passing away in May 2011.

 

The statements show that every year or so the overdraft was increased in the following amounts:

07/2005 - £1500

08/2007 - £1800

08/2008 - £2500

 

That is everything on file regarding this debt.

Your advice is appreciated.

 

Unrelated, but I also found his original mortgage agreement which he paid off last year with inheritance funds after his father died, nearly £50k

was paid to Lloyds pay off the mortgage.

 

On the agreement, and clear as day, showing the mortgage had full insurance cover.

 

The agreement is now being looked at by a Solicitor,

because looking at agreement the policy should of paid off the mortgage when his wife died.

 

the DMC should have had interest stopped as well as charges stopped

then there would be no need for an OD increase

 

i'd also hit Lloyds with an irresponsible lending claim

if they have simply upp'd the OD limit

without consultation

looks like they were in cahoots with the DMP provider

 

who was this?

[stevewayne]

Hi.

 

Many thanks for your reply.

 

The account was overdrawn from day one and continued to be overdrawn for close on 5 years when it was closed.

 

Once the overdraft limit was reached the limit increased over this period.

 

Once it was given to the dept management company charges were stopped, or I think they were.

 

I will find out the answers to your questions and report back tomorrow.

[stevewayne]

Hi.

 

The overdraft was only increased whilst the account was in use and before the debt management company got involved.

 

The debt mamnagement company was 'Lawrence Charlton'.

 

Once they became involved no further charges were made on the account, that would be in 2009.

and the account was closed.

 

my friends wife died in May 2011,

 

Lawrence Charlton had no further dealings when all debts, except this one bank account, were written off.

 

Are you saying to now put a claim for irresponsible lending?

 

I know my friend had no idea of the increasing overdraft and was never consulted when it was clear the account was out of control,

all the banks dealings were done with his late wife.

 

Thanks in advance.

[stevewayne]

Hi.

 

The overdraft was only increased whilst the account was in use and before the debt management company got involved.

 

The debt mamnagement company was 'Lawrence Charlton'.

 

Once they became involved no further charges were made on the account, that would be in 2009.

and the account was closed.

 

my friends wife died in May 2011,

 

Lawrence Charlton had no further dealings when all debts, except this one bank account, were written off.

 

Are you saying to now put a claim for irresponsible lending?

 

I know my friend had no idea of the increasing overdraft and was never consulted when it was clear the account was out of control,

all the banks dealings were done with his late wife.

 

Thanks in advance.

[BRIGADIER2JCS]

The advice given by dx100 uk is spot on irresponsible lending/unfair trading, to continue increasing the OD limit purely to accommodate, fees/charges/interest is wrong.

[stevewayne]

Hi. Many thanks for the reply. Is there a set procedure of informing Lloyds that no further payments will be made due to what you have written?

[dx100uk]

no as said

just cease payment

 

wait for them to scream

 

hows the irresponsible lending route going?

 

dx