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Old Lloyds TSB current account- Overdrawn- CCJ- Sold to Lowel

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I opened an account in 2007 with Lloyds bank whilst I was 16 years old and living in the south of the country with my girlfriend at the time.

 

I then moved back to the north of the country but did not change my home address and all my mail was withheld from me for about a year.

 

I had gone overdrawn on my account by £5.40 and did not know of this because my mail was being withheld and had no cause for concern. (I should have changed my address).

 

September 2008 I received a letter from Lloyds TSB demanding I pay £479.03 of the £679.03 balance in full in a couple of weeks. Due to my financial situation I was unable to pay.

 

In October 2008 I received a letter from a solicitors demanding that I pay the full amount £686.69 outstanding balance.

They also state in the letter that if the payment was not paid in full I would receive a CCJ, which inevitably happened.

I chose to bury my head in the sand at this point only being young and unable to make such a massive payment upfront.

 

Later in January 2015 I set up a repayment plan of £5 a week to Lowel and managed to get the outstanding balance of £767.72 down to £162.72 thus paying £605.

On my credit report it states that I have had a CCJ.

 

What I am wondering is, what is the likelihood of reclaiming these charges?

 

What steps do I need to take to reclaim?

 

Will the CCJ be attached to my credit history permanently?

 

Any other advise would be most appreciated.

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what dates the CCJ?

 

 

dx


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January 14th 2015

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so I would guess its lowells that got the CCJ too.

 

not much you can do re the charges of that age sadly.

 

shame you didn't defend it.

 

rarely do OD debts get CCJ's if defended properly.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I see, that is a shame!

 

 

Is there nothing i can do regarding the ridiculous charges i received whilst at a young age?

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