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Lloyds Credit Card. 2 years since any correspondence from them....mis-managed by PayPlan


BlueEarner
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Hi there,

 

I have a Lloyds TSB Credit Card debt. Until 3 months ago, they were happy to recieve payments via my DMP Payplan. Despite that, they havent actually written to me for 2 years. No sign of being passed to a DCA.

 

Now my PayPlan account is closed as I have decided to deal with all my creditors myself.

 

Not sure if I should just wait to hear from them or take some other course of action? The outstanding balance is confusing because of PayPlans shoddiness, and my over-reliance on them.

 

For example, I have another bank a/c debt with Lloyds. Payplan said the outstanding was £179. Since stopping with PayPlan, the debt has been passed to Wescot, who say the debt is £451. (This is on a separate thread).

 

So back to the Credit Card debt - I am unsure of the amount outstanding, and wouldnt CCA request them because - as far as I know - Lloyds themselves are still dealing with it.

 

Thanks again in advance

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wait to see who sends you a tree first

then CCA them

 

 

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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How about asking PayPlan for a full reconciliation of the amounts that you paid, the original account balances & amounts paid to each account?

 

If they can't provide that then maybe they should be paying you so that you can send SARs & CCA requests

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How about asking PayPlan for a full reconciliation of the amounts that you paid, the original account balances & amounts paid to each account?

 

If they can't provide that then maybe they should be paying you so that you can send SARs & CCA requests

Now there's a thought! The problem is that PAYPLAN don't know if any of the creditors they are paying actually freeze interest or not, so the balances they tell me are only approximations.

Actually PAYPLAN locked me out so I can't see any account history and so on.

Much better without them. Think it will take time now to repair the damage!

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