LLoyds Bank Account, CCJ and Reclaiming Charges/Fees

[renegadeimp]

The dca cannot add anything. Get a written complaint in. You're being fleeced big time

[oleg]

I doubt it's a case of an odd £500 having been bunged on so bung in a complaint. The story is likely to be more - how shall we say - nuanced.

 

There is an historic S D saga behind all this and other past baggage to be cleared.

[Bazooka Boo]

STOP calling these clowns on the phone!

 

Keep everything in writing ONLY!

 

And if the accounts have been terminated then they cannot add any interest or charges/fees etc, because the account has been terminated and no longer exists as a running account,

[unclebulgaria67]

I had a situation years ago with a relatives debt that was being passed around the debt collection industry. I think it started off at less than £500 and a few years later it had changed to about £2500. What appeared to be happening is that the debt collection agency staff were deliberately changing the debt amounts. When this was challenged through the management of the last DCA who owned it, the debt was reduced to the original sum and written off.

 

I have warned about this before on CAG. Anyone who is chased for a debt which they are thinking about paying or which will be enforced, should ask for evidence of the debt amount. i.e what the original creditor had shown the debt as being and what if anything has been added since, with a breakdown calculation of the debt.

 

The DCA industry is not very well regulated and some of the standards applied would lead to criminal charges been considered if this was being done by banks. No doubt at some stage, they will be investigated.

[Deb T]

This may just be my experience

 

 

but I've always been of the mind that simply signing up for your credit report via the likes of Experian

simply raise your head above the parapet and

 

 

some of those DCA's think 'oh, there they are, lets send them a letter' and

 

 

I say this because I'm pretty sure these DCA's pay to be on the systems of the likes of Experian

and probably have some sort of 'alert' system going on for when a credit file is requested by a member of the public

 

 

and one who just happens to have some sort of issue going on with one of the debtors.

[dx100uk]

old wives tale

[oleg]

Deb T

 

. . your experience - or your mind ??

[unclebulgaria67]

old wives tale

 

I am not convinced that creditors don't get some report of updates to credit records.

 

When people apply for a credit record report, they often have to provide their up to date details e.g new address.

 

There has been enough reports on CAG of being chased for debts, within weeks of updating a credit record. This has apparently following a long period of not being chased.

 

Of course CRA's are not going to confirm what services they provide to DCA's. It would not be in their interests to do so.

[ScarletPimpernel]

old wives tale

 

 

 

I'm not so sure.

 

In July this year I requested my £2 report from Experian, providing my up to date address. Within 3 weeks, I was contacted by 2 different DCAs pursuing SB debts, having had no contact from either for 5 years. I am not inclined to think that this was a complete coincidence.

[dx100uk]

I am not convinced that creditors don't get some report of updates to credit records.

 

When people apply for a credit record report, they often have to provide their up to date details e.g new address.

 

There has been enough reports on CAG of being chased for debts, within weeks of updating a credit record. This has apparently following a long period of not being chased.

 

Of course CRA's are not going to confirm what services they provide to DCA's. It would not be in their interests to do so.

 

 

yes - if you don't change any details upon requesting your file

 

 

the marker that you leave [ that YOU can see]

 

 

is not visable to your creditors or debt buyers

 

 

though if they search you - it is too you [if you pay to be alerted]

or login and see it.

 

 

however, its a debtors duty to inform all creditors of a change of address

else they can quite rightly file claims to your old address.

 

head in sand or want a claimform

 

 

simple choice

[Deb T]

I'm not so sure.

 

In July this year I requested my £2 report from Experian, providing my up to date address. Within 3 weeks, I was contacted by 2 different DCAs pursuing SB debts, having had no contact from either for 5 years. I am not inclined to think that this was a complete coincidence.

 

 

In a nutshell that is exactly the experience I had and I have read countless others that have had the same, nothing for years, apply for your credit file and within a few short weeks you start hearing from your alleged creditors, it's too much of a coincidence for it not to be a possibility.

[L1882]

A little harsh DX

- I faced a simple choice with the SD

- I could challenge it or not.

 

Challenge it and risk losing which would have potentially cost me my house and bankruptcy would have cost me my job.

 

I'm a single parent and I had to balance these very real risks against the possibility of winning.

 

I hated meekly giving in,

I really did but I just didn't feel I could risk losing as I would not have been able to pay in the event I didn't get the SD set aside.

 

I could picture BW doing a little jig when I folded and

nothing would have given me greater pleasure than seeing them lose the argument in court

but for the sake of my son I took the 'safe' option - sorry if that offends you.

 

I don't constantly pick up the phone to these people

- in fact this is the only time I've spoken to them other than calls over the agreed payments

- I haven't spoken to any other debt holder in years.

 

 

Admittedly I saw red when the debt increased and in the flush of temper did what I know I shouldn't by calling.

 

In terms of checking your credit file triggers debt holders to trace you

- I didn't realise that as I assumed it would be illegal.

 

 

I'm already on there but maybe for others it isn't the best advice so my apologies to all.

[dx100uk]

you should always challenge everything

esp where DCA's are concerned.

 

 

the 'threats' are what they have put in your head over the years.

by using the phone every time you get a letters.

 

 

sri but lots of your threads relate to you picking the phone up as the first thing you have done.

 

 

no need to apologise

no need to think my observations are harsh.

 

 

my goal is to get you on the right track

 

 

if my employed tactics sometimes equate to those of the DCA's - then I've done my job!

and exposed them.

 

 

dx

[Bazooka Boo]

If you update your CR file then any powerless goon slightly interested in it will be informed, the same as Royal Mail, when you divert your mail to a new address, they

log this on their system, which DCA's have access to, all under the misused guise of 'fraud prevention', there are a lot of companies out their with access to

credit files and other means of tracking down their 'target'.

 

The voters roll being one, DVLA, RM etc etc etc...

[L1882]

I haven't moved in 12 years and I'm still at the address where all the credit was racked up anyway so in my case it makes sod all difference but I can see now how it would for others - again didn't know they could check royal mail redirects!

 

 

And DX I do agree, challenge everything - I simply bottled it, I know this - hopefully others have more courage but the gamble was a little rich for my tastes.

[L1882]

Hi

 

Just looking for some advice re a bank account and charges added to it. The basic story is this:

 

I had a LloydsTSB bank current account with an overdraft of £500.00. I also had a personal loan with LLoydsTSB.

 

I got into financial difficulties around 2008/9 when I lost my job and had no income.

 

 

Now at this point my bank account was well under the overdraft

- I can't remember the exact amount but it was certainly less than £300.00 overdrawn.

 

 

Now what TSB then did was pay a DD for the loan to themselves,

taking the account over the agreed overdraft then returned a number of other DD's on the same day (utility bills etc)

- and added charges for returning these.

 

I couldn't afford to get the account back below the overdraft limit and this led to LLoyds adding charge after charge, month after month

until the amount owed had risen from circa £300.00 to £2197.00.

This debt was sold to Lowells in September 2013 and they subsequently obtained a CCJ on the account.

 

Now to my real question(s),

 

 

firstly are there grounds under which I can legitimately reclaim the bulk of the charges added and

 

 

secondly, if so can I still do this even though the debt has been sold and subjected to court action?

 

I'm considering SAR'ing them but don't want to waste my time/money if it is a lost cause.

 

Any thoughts gratefully appreciated.

[dx100uk]

you can reclaim them

and if you use BCOBS as these are since nov 2009

you night well get some back.

 

 

tell us about the CCJ

 

 

did you defend it?

 

 

if it was mostly/all PENALTY charges

then this could have been very worthy mentioning

[L1882]

I didn't defend it DX

- it was a poor habit I had unfortunately.

 

 

However I can't change what I did or didn't do but

 

 

if I have a chance to reclaim it now then I will.

 

 

As I've said previously I wish I'd been in a better place at the time then maybe I'd have avoided some of the mess - but cest la vie,

 

 

I'm onto them all now, all been sent SAR's except LLoyds TSB and now I've got them in my sights and intend to get back whatever I can.

 

I presume step 1 will be a SAR?

 

 

Once I have the statements etc then I imagine I can make a claim to the bank

 

 

- but under old rules?

[dx100uk]

couple of threads merged for history.

 

s

o its not a CCJ but an SD you have?

 

 

dx

[dx100uk]

yes get all the statements for sure.

 

 

dx

[L1882]

Gosh dx I've got bits of all sorts.

 

 

Via BW Legal I got an SD for debts that Lowell bought for HBOS credit/credit cards

(interestingly I've just written to them to request statements as I've not had one in years

and they added fees and charges in December that they still haven't refunded or really explained!).

 

 

I've sent a CCA to Lowell on that last Friday and a SAR to the OC.

 

 

I've got a CCJ relating to a LLOYDS loan and this current account as well as one for a Credit Card

- back in the day LLoyds went very quickly to the court and got CCJ's

- bizarrely taking any pressure of me because once they'd done that to my credit no amount of DCA threats made any difference at all to me

 

I said to somebody the other day

- oh to have been my wife so I could just walk away from all this

- I lost my job, wife and family all at the same time

whilst gaining a whole load of crap from banks and DCA's.

 

 

Still I got to keep the house and it's negative equity so it wasn't all bad

[L1882]

This is the SAR I propose to send to LLoyds - have a covered all the points sufficiently - any suggestions gratefully accepted:

 

removed - please don't place our templates in the open forum..read the rules.. - dx

[L1882]

Lloyds kindly returned my postal order today as it didn't have a payee written on it - would have been so much quicker for them to just write their name on it!

 

Anything to delay things I guess - it's now on it's way back to them.