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learner121

lloyds loan, payment holiday issue

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My partner has a llyods loan and has had 2 holiday payment breaks in the last year (contract stated 2 in 1 year)

 

she is at the maximum but is finding it hard financially after having a baby. She ideally would like to put the loan on some kind of a hold until she goes back to work full time (around 6 months time)

 

 

Is there anything that she can do? it would help massively as the loan repayments are around £400. If not she will just have to soilder on

 

thanks guys

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Does she also bank with Lloyds?

If so get her income paid into a parachute account


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yes she has her parttime money going into lloyds account. which is around 30% of what she was earning when fulltime.

 

Ok I will discuss this with her, she may have another account with natwest I believe that sits empty.

 

She would be against this if it meant it impacted her credit record in any way though.... she is very straight down the line and believes anything that the bank would tell her..

Edited by learner121

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Get it out of their hands

They might offset

 

Send them the pro rata offer letter in the debt collection section of our library


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thank you for your reply. This would not impact on her credit records at all? I dont believe it would having read the template letter.

 

just quick update, she has a morgage with lloyds as well not sure if that complicates matters - there is no problem paying that.

Edited by dx100uk
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theres noway she will avoid that being trashed sadly if she doesn't pay whats expected by the expected date each month


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So according to your other thread you have 2 loans and a credit card with Lloyds and are already being chased by Moorcroft.

 

Your partner has a loan and struggling with a Lloyds loan being on maternity leave.

 

She also has a mortgage with Lloyds.


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I setup the seperate account for her (with barclays - it took 5 minutes online and had account no and sortcode within 5 minutes) so no need to even leave the house.

 

 

Just doing the letters for her now.

 

 

Quick question, which address to send to? there head office (this is lloyds btw) they have so many addresses its diffult to know where to send to..

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Should be an address on the statements if having difficulty making payment.


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Their client services are quite excellent in branch, so why not make an appointment and speak to an advisor. They really take their time and help you find the best solution for you

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