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8 years after F&F settlement can I claim overcharges?

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Hi all,


i hope you can help help with this.


Lloyds have written to say that they failed to issue me with correct statutory late payment notices in 2010 and so they owe me £52.47 which they have used to reduce my balance.


The account was paid off in 2011 by way of a 40% full and final settlement and the account marked with the credit agencies as partially satisfied.


As the overcharging occurred prior to the 40% F&F agreement am I entitled to claim a partial refund paid directly to me or would that contravene the F&F settlement?  Do other factors come in to play?






Edited by sarinder

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you still owe them their money regardless to a PS via an F&F.

now if they'd sold the debt on

things might be different.


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


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