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ive been out of work for 5 months living on my over draft of £1500

 

 

i always had this under control when i was working and was hardly in it,

 

 

now the bank keeps putting £31 a month interest on top which has now put me in a unplanned over draft of £132.00 totalling my overdraft now to £1632.00

 

I had lloyds tsb send me a letter saying i must settle £132.00 by this day and if i dont they will pass it on to solictiors etc.

 

i phoned them saying i can make a payment of £5.00 per month until i get back into work but they said no.

 

their solicitors want me to pay the full £1632.00 and state daily interest will occur as well

 

 

now i feel there is no way out for me

 

 

what is the point in me making an offfer of repyament if these are sticking daily charges on top of it until it is out of control.

 

Now they are demanding i pay the full amount within 14 days

 

Lloyds TSb even made me fill out an Income and expenditure form then didn't bother replying back to me then i get this letter.

 

What can i do ?

 

 

end of the day they should freeze all interest and charges so this can be cleared.

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Make a formal complaint to the Banks CEO stating that you

were asked for an I&E have sent it and it has been ignored.

Ask for interest and charges to be frozen and repeat your

offer of payment.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Monitoring this thread as I'm in exactly same position

B in touch

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i made a formal complaint to the CEO see if he replies how long does it usally take for them to reply

 

ive also done abit of research to this and it says that SCM solicitors is an in house solictior firm for Lloyds tsb, Halifax and RBS

 

also read that they have no power to do anything and been told that i control how much i pay them back per month not them

 

i actually beleive it is in house because ive tried googling there website and nothing comes up in google also there is no correspondance email on the letter

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Inhouse legal departments can when instructed issue court proceedings,

what you have received appears to be a default notice giving you time to

bring the account back into line.

 

If it is not done then a default will be placed on CRA files.

Have you at any time asked for the interest to be frozen?


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes

Brigadier is correct write a letter recorded delivery requesting the interest to be frozen and charges to be stopped I have done this but no reply

I personally lloyds don't give a damn

Time will tell

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Hi guys

 

Received a letter this morning about a overdraft i have had on payment plan for about a year now,

 

 

They sent me numerous letters over the months telling me i need to amend my payment to them

as i was only paying £5 a month due to my financial circumstances

 

 

with just getting back into work and Christmas coming up

ive had to pay for other things but kept up my payment plan with them until further notice

 

This morning i got this letter saying they have passed this debt on to Moorcroft to recover the full amount

and now i must deal with them even though i have paid the £5 every month without missing a single payment.

 

They have done nothing but harass me lloyds over the past 6 months

 

Do i have anywhere to stand here ?

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if you are comfortable with it, when moorcroft write to you,

 

simply tell Moorcroft, in writing, that you will be continuing with your

 

arranged payment of £5 per month.

 

Do not let them bully you into paying more than you can afford


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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or totally ignore Moorcroft

 

 

they don't own the debt LLoyds do.

 

 

so they cant do ANYTHING to you.

 

 

so the powerless DCA can go away off.

old & new threads merged

 

 

did you write and succeed in getting interest and charge frozen?

 

 

if not I question you paying them anything at all.

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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you could add that you will deal with the matter in writing only and that if you have to deal with too many letters or receive telephone calls, you may have to reduce the fiver ...

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Thanks guys always great advice

 

received this today off moorcrap

 

New_Doc_1.jpg

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if you do contact them, remember in writing only


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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as post 9

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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When you arranged your repayment with Lloyds, did you get it in writing?

 

If so, what exactly did their letter say?

 

Write Moorcroft a one liner, telling them you owe them nothing and are dealing directly with the Bank, Moorcroft are the worst kind of DCA, All bark and no bite. I don't think I can ever remember them taking anyone to court and they have NO legal power at all.

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I didnt get it in writing

 

 

i sent a complaint via email, on my old email address which has now been closed down,

 

 

they phoned me and said they would accept the £5 payment plan

 

 

and passed me their sort code and account number for a standing order which i have kept on top of while i was out of work

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Another letter off these harassing idiotic people telling me i have 7 days to pay the outstanding balance before further action is taken against me

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oh dear the red letter next....

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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oh dear the red letter next....

 

 

dx

 

Haha and that means what exactly they still cant do anything to me ?

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you're learning!!

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Been down this path - my action was - write to Moorcrap stating you are paying the OC as per a payment plan and will continue to do so and will not communicate with them further.

 

At same time lodge a formal complaint to Lloyds for passing to a DCA when you have an agreed payment plan (they have been accepting payment so implicit agreement) and have stuck by it - tell them you will continue paying them and only them.

 

Intend

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