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Lloyd's defaults - different accounts and different default dates.


Aireborough
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Good morning

 

Help/advice required please!

 

Had a few different accounts (loan, personal account, credit card) with Lloyd's - ran into financial difficulty and stopped paying mid 2018 and entered DMP via StepChange.

 

All but the credit card account issued defaults in Sep-18 but the credit card didn't issue default until Sep-19 - which is now causing an issue with possibly mortgage for me and my partner.

 

Is there a way of asking/getting Lloyd's to amend the Sep-19 default to Sep-18 when the other accounts were placed in default?

 

Thanks in advance for your help!

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Hi and welcome to the forum.

 

I have moved your topic to the Lloyds Bank Forum. Please continue to post here. 

 

With regards to your post...why would you want the date adjusted to Sept 18 rather than Sept 19 ?  I agree it should be the same date as the other debts within the DMP...but fail to see any advantage.

 

Andy

 

We could do with some help from you.

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Thanks Andy.

 

My partner wishes to include me on a mortgage and having a default within the last 18 months is resulting in a higher deposit being required and a higher proposed interest rate. A default aged over 2 years would reduce both deposit amount and interest rate. 

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Thanks...I wasn't aware of that.....I thought a default was default and as it shows for 6 years  it remains as damaging to your credit worthiness irrespective.

 

Have you enquired with SC as to why the differing date ?

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 The National Consumer Service

 

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

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