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PLEASE HELP, overdraft default


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Hello everyone,

I really hope someone will be able to advise me in the following incident.


I opened a current account with Lloyd's in 2008.

Never had any issue.



In august 2012, I moved to the states for one year.

My account balance was £0.

I didn't not plan on using my account abroad and therefore did not think it was necessary to make Lloyd's aware of my move (big mistake).


When I moved back at the end of 2013 I tried to get a phone contract and got denied

which is why I signed up with experian.

That's when i found out about a default from Lloyd's against my name.

I was devastated.


default date-summer 2013


Default amount-£201


It seems as if the actual amount I owe was less than £5.

The rest was based was based on penalty fees.



I may or may not have received a notification/default notice/default letter by mail

but since I never changed my address it would have been sent to my old address.

I would have obviously paid the outstanding balance if I knew about this.


After signing up with experian I started receiving letter from debt collectors asking me to pay the owed amount.

I have not replied to any of the letters.


Unfortunately I do not have the actual contract or old statement anymore.

I have sent Lloyd's a letter asking for further information - see letter below.



This letter was sent a month ago. no reply yet.


Could anybody please provide further advice on how to go from here? I really want to try and remove the default, if possible.

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Edited by dx100uk
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