Jump to content


doomsponge

Letter received: LLoyds Credit Card debt - "account now closed - fully paid" But it isnt?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 619 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi everyone.

 

Need some a little bit of help.

 

Got a letter from westcot, saying my account with them had been fully paid, and was now closed. And to stop making more payments to them. Also it said the balance was: minus £303.

 

Phoned them up as I thought there was more to pay on this, and the lovely lady, after putting me on hold for a while, explained that the originator of the debt had informed them it had been paid, then retract that message later. She would contact them, to get an explanation. But there was still £1400 owing.

 

Where does this leave me? I have a letter saying the debt is cleared. Can they comeback and say "oops, mistake, keep paying" or is the letter legally enforceable? In the eyes of the law, is the debt now clear?

 

Thanks

 

doomsponge

Share this post


Link to post
Share on other sites

If they say the debt is cleared in writing, you are entitled to believe that the debt is cleared and if there is record of it on your credit record, to ask the credit reference agencies to correct your record to show it as paid in full

 

Of course the debt owner can come back later to rectify a mistake and if they prove the debt, they have right to enforce it, subject to limitations act and going through the correct process.

 

What is the history of this debt ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Thanks for replying

 

Its an old lloyds credit card. Defaulted just under 6 years ago. Paying thro stepchnage.

Share this post


Link to post
Share on other sites

they will be estopped from claiming more in the future. You queried it and received the same response ans in the letter. It is over so you stop paying and you owe nothing, even if they change their minds later.

Share this post


Link to post
Share on other sites

really? The girl on the phone did say that the letter was a mistake and there was still money owed. Does this letter trump all others?

Share this post


Link to post
Share on other sites

what are you doing blindly paying DCA's and for god sake ringing then up

they are not bailiffs and have zero legal power to demand anything...

 

have you check all the other debts you are blindly paying off via step change are even enforceable??


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 

 

Share this post


Link to post
Share on other sites

Fair point.

I suspect you may already know the answer to your question.

 

Where do I start?

 

From looking at my credit report, some things have dropped off that im paying for.

 

CCA to the owners of the debts, then post up the results?

Share this post


Link to post
Share on other sites

yep


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 

 

Share this post


Link to post
Share on other sites

you didnt say that, you said you got a letter and the girl on the phone had been informed the debt had been paid and unless she wasnt talking to you that seems like a confirmation of the letter.

 

I read it as you thought there was £1400 still due.

 

If you care to rewrite your first post in a suitably worded and chronological manner so it is absolutely clear who said what and when then advice will be given that fits exactly to the question.

 

Now you have me thinking I have given you poor advice because I read your post as having received a letter, queried it and then got verbal confirmation.

 

really? The girl on the phone did say that the letter was a mistake and there was still money owed. Does this letter trump all others?

Share this post


Link to post
Share on other sites
you didnt say that, you said you got a letter and the girl on the phone had been informed the debt had been paid and unless she wasnt talking to you that seems like a confirmation of the letter.

 

I read it as you thought there was £1400 still due.

 

If you care to rewrite your first post in a suitably worded and chronological manner so it is absolutely clear who said what and when then advice will be given that fits exactly to the question.

 

Now you have me thinking I have given you poor advice because I read your post as having received a letter, queried it and then got verbal confirmation.

 

Sorry for any confusion. Here is an edited version, making what the girl said more explicitly clear:

 

Hi everyone.

 

Need some a little bit of help.

 

Got a letter from westcot, saying my account with them had been fully paid, and was now closed. And to stop making more payments to them. Also it said the balance was: minus £303.

 

Phoned them up as I thought there was more to pay on this, and the lovely lady, after putting me on hold for a while, explained: "The originator of the debt had informed them, the debt had been paid, but then retracted that message 3 days later. She would contact the debt originator, to get an explanation. But there was still £1400 owing"

 

Where does this leave me? I have a letter saying the debt is cleared. Can they comeback and say "oops, mistake, keep paying" or is the letter legally enforceable? In the eyes of the law, is the debt now clear?

 

Thanks

 

doomsponge

Share this post


Link to post
Share on other sites

forget what was said on the phone

its inadmissible anyway!


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 

 

Share this post


Link to post
Share on other sites

Ah good old Estoppel - I once went to Court against a Solicitor who paid me a sum of money when they dealt with a will.

 

After they issued a final account and the service was completed they discovered they had overpaid me and sent a begging letter about 2 months later asking for the over payment back

 

I wrote to them and said the principle of estoppel applies and they refused, insisting I pay the money back.

 

I wrote to them several times asking them why they believed the principle of estoppel didn't apply and they refused to answer and took me to Court.

 

In court I showed my letters to the Judge who agreed with me in principle and then explained why estoppel didn't apply in this case, I thanked him for the explanation and offered to refund the money immediately saying that I only ever wanted an explanation.

 

So no win you might think but the cheeky Solicitor piped up about the matter of their costs at which point the Judge virtually bellowed at them that they should be paying my costs as they had ample opportunity to answer my simple question regarding estoppel.

 

That made me smile all the way home, plus I'd earned a bit of interest on the money while I had it and stuck it to an incompetent solicitor who had been useless throughout their service, but whom I was stuck with because of the deceased's arrangements..

 

Estoppel is basically the principle that mistakes cannot be rectified once the account is declared closed, the same reason that shops have notices that say mistakes in change given cannot be rectified once you leave the shop.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...