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Viv79

Misold loan to myself based on my now ex husband wages.

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In 2004 myself and my now ex husband went into Lloyd's for a consolidation loan, based on a loan and credit card he had taken out.

He was in the navy and I worked part time and was a full time mum.

As he had debt and I did not, we were told for a lower interest rate they could give me a loan based on his wages.

 

The loan was for £22k and paid for his previous loans and an £8k credit card debt he had.

The loan was in my name alone and he made the payments from his account.

 

In 2007 he was medically discharged from the navy, I called Lloyds and attempted to make a claim on the ppi, I was told that as the loan was in my name I was unable to.

I argued that the loan had been in my name alone and that it had all been based on his wages. I ended up going to the financial ombudsman.

Eventually Lloyds agreed to pay the ppi, this only lasted 12 months.

 

At the time we were in no position to pay as he was not working and I was a student.

I came to a repayment agreement with Lloyd's.

All interest was stopped and the agreement plan continued.

This continued until I got a letter from robinsons way saying they had taken over the loan from Lloyd's.

 

In 2013 my ex and I split, leaving me as I see it with his debt and which he refuses to take responsibility for.

I have continued to pay robinsons way whom I receive letters from,

I also get 6 monthly updates from Lloyd's on how my debt repayments are going.

 

I would like to challenge this as a misold loan and I hoping someone reading this can point me in the right direction

 

Thank you for reading.

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who are robbersway's listed client on their letters?

I bet its lloyds

so the debt has not been sold on  its still owned by the OC .

 

stop paying a powerless DCA

a DCA ARE NOT BAILIFFS

and have

ZERO legal powers.

 

as for the loan being missold

interesting that they folded on the ppi and the FOS ruled with you

when in all truth it wasn't PPI to protect him but you.

 

might point to a reason of misspelling of loan

but I doubt it.

 


please don't hit Quote...just type we know what we said earlier..

 

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Thanks,

the listed client is Lloyd's and that robbersway are working on behalf of them,

which I gather means the loan has not been sold to them. 

 

Would it be advisable to deal only with Lloyd's and stop paying robinsons way,

my concern is this loan has now dropped off my credit file and stirring the pot could be costly to myself.

 

Do you think it's worth pursuing, by writing a letter to Lloyd's or are there other avenues I could take.

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pay Lloyds directly

it cant comeback on your credit file

it was defaulted more than 6yrs ago and has been removed


please don't hit Quote...just type we know what we said earlier..

 

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