Lloyds default to wrong address

[Parbro1159]

Looking for some help

 

Had a lloyds bank account a few years ago which was in agreed overdraft

 

I moved house and informed all my creditors

lloyds decided to cancel overdraft and ask for money back

 

letters were sent to old address so they say and I was defaulted

 

I honestly never received it and only knew about a year later when I checked my credit file and paid account off.

 

I have asked them to for a copy of the notice which they say they haven't got but their computer says it was sent

 

they won't remove default but I was never given opportunity to pay off. Do they have to keep copies of default notice

 

Thanks

[dx100uk]

Short ans is no

All they have to do is note one was sent

 

DX

[Parbro1159]

Have spoken to lloyds again today and now saying letter that was sent was a notice of enforcement is this the same as a default notice

[maroondevo52]

Have spoken to lloyds again today and now saying letter that was sent was a notice of enforcement is this the same as a default notice

 

I'm sure they can only send you notice of enforcement after they had defaulted you.

[Parbro1159]

Seems to be if I mention default notice they say enforcement notice and gave me a date before it was placed on my credit file