Friends LLoyds credit card CRA file entry question

[nunnyrose]

account was defaulted in nov 2010,

token payments made until early last year then stopped paying as no CCA.

 

Just received letter from Lloyds saying default registered on file in 2010 is to be backdated to 2008

and as this is more than 6 years ago the default no longer applies.

 

Does this mean they can no longer enforce even if they produce CCA?

 

is it SB even though token payments were made up until last year?

 

Thanks in advance

[dx100uk]

no

sb date runs from your last payment

nothing to do with defaulted date.

[dx100uk]

what type of account by the way was it?

dx

[nunnyrose]

Thought that was the case DX just a bit confused as it's now gone from credit file.

its a credit card.

[dx100uk]

blimey you must have loans of cards

as this cant be the 2 already litigated on?

[nunnyrose]

lol, this ones not my card....it's a friend who's asking. I don't mind helping out a few friends as it's all practice and learning for me. (mind you, I do think they should donate to CAG!)

.....and the others are mine and Mr Nunny's so thankfully not all my debt!

[dx100uk]

ah ok great - lets answer the questions properly then..

 

 

account was defaulted in nov 2010,

token payments made until early last year then stopped paying as no CCA.

 

Just received letter from Lloyds saying default registered on file in 2010 is to be backdated to 2008

and as this is more than 6 years ago the default no longer applies.

 

Does this mean they can no longer enforce even if they produce CCA? they can upto SB date

is it SB even though token payments were made up until last year? - no

Thanks in advance

 

 

is this still owned by Lloyds or does a DCA have it?

[nunnyrose]

Still owned by lloyds, though wetcloths were collecting

[dx100uk]

no chance of court then

they'll flog it on.

 

 

dx

[nunnyrose]

Well I'm really surprised lloyds haven't sold it on so far,

my friend started making token payments of £5 pm for about 5 years.

 

 

This time last year I suggested she requested cca, wetcloths couldn't provide so she stopped paying.

They write to her once a month to say account remains on hold.

 

Lloyds haven't contacted her at all until recently,

firstly to say they had refunded to the account an overcharge of interest from 2 months in 2010 (£80)

 

She (me) wrote back asking for more information.

They replied with the details and offered a £75 goodwill payment.

 

We wrote back as the amount of the overcharged interest was wrong...should have been £86.

 

They have now replied saying they will refund to the account the correct amount,

+ a further £12 to the account for a late payment charge

and a goodwill payment of £150 by cheque direct to her.

And backdating the default date as above.

[dx100uk]

brill