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benq

Lloyds credit Card debt now with Wescott

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I've been advised that as I have been making payments to this debt, I will never get it statute barred. So it's now time to try and pay it off before they send me a PAP.

Before I do anything (like sending of an SAR) I just want to check in with the megaminds on CAG.

 

My plan would be to:

  1. Send an SAR to Lloyds
  2. Find out how much of the balance is charges and interest
  3. Start a repayment plan/pay the remaining balance.

 

Details of the debt:

  • Credit card
  • £3100
  • Wescott last contact Mar 16
  • Lloyds last contact June 18, advising they've credited me with £200 as 'they did not always take the appropriate course of action'
  • last payment was 2 weeks ago

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whom are wetcloths client please


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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

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Posted (edited)

Wecotts Clients are Lloyds Bank PLC.

I have already asked for a CCA, which they responded to in the correct time, this is in May 2016.

Edited by benq

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I am making a £1 a month token payment. Should I cease all payments, or continue?

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as the card is still owed by the OC, and as you've seen, they usually are able to comply, then its enforceable.

so no don't cease payment.

 

however get an SAR running.


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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because they sent the CCA back within the allotted time, I am to keep payments going.

 

SAR sent to Lloyds, second class today

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SAR from Lloyds received today, what do I do now? Total up the interest and charges?

 

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you should have been reading up on charges reclaiming in the down time.

 

 

CISHEET

enter every charge on the date it was levied

put their avg int rate in D15.

 

 

 


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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Do i put down 'Cardholder protection plan' as well?

Obviously this is PPI. on a seperate note, i did claim for this many years ago but they refused to pay out.

 

On my statement, ive got 'date of transaction' and 'date entered', which date do i put down?

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CPP was an annual card protection policy administered  by a sep company ..not levied by the original creditor.

your claim was against CPP but you are now out of time I suspect.

 

https://www.consumeractiongroup.co.uk/forum/260-cpp-group-plc/

 

 


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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Sorry, in my SAR, Lloyds sent info on a previous credit car i forgot about.

I'm now going through the statements that relate to this topic.

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I've filled out the form. I've included interest, as well as late charges, is that correct?

For the claim from and to, do I put the date of the first and last transaction?

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Nope ppi only

Claim from date 1st ppi

if the card is still active there is no claim to date


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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There is no PPI on this credit card.

The card is not active.

 

What does this mean for me?

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Hi Guys, whats the next step?

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so was this annual CPP or you did find monthly PPI charges?


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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Hi dx,

 

There was no CPP or PPI at all.

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