recieved solicitors letter

[leomnrose]

My daughter & I have a joint acc. with Lloyds, we have stopped using the acc but they still want charges from us, they keep added more every month.I wrote a letter saying the account was in dispute recieved no reply, so waited 14 days and wrote again request prevoius charges back,we both signed the letter. I did not mention the charges that they say we owe, should I have done?.I received the standard rely saying no way, it was only addressed to me. This week my daughter received a letter from Lloyds solicitors demanding full payment of charges in 7 days and saying if it was not paid they would take her to court. Also that they would give info to Experian & Equifax. In my next letter should I state that we are not going to pay what Lloyds are asking for and do I write to solicitor or head office? Please can anyone help.

[gizmo111]

Hello and welcome to CAG,

 

To start with you need to get all your back statments and find out how much you have been charged over the past 6 years.

 

Have a read here http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

and learn how the process works. If you have written to LTSB and stated that your account is in dispute the nthey should not default you under the banking code. Is ti purely charges that you are being defaulted for or is the debt made up of something else as well?

[sweetpants]

Hi

I wrote back to LLoyds following a similar letter from their solicitors.I used a brilliant letter set out for me by GaryH.Im sure he wont mind you using it .You will just need to modify it to your situation.Its on my thread ...Help ..Enforcement notice

 

S.P

[leomnrose]

Thanks will check it out and let you know how I get on.

[sweetpants]

Glad to help.Good luck

 

S.P

[GaryH]

Hi

Im sure he wont mind you using it .

Not at all, here it is - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/29826-help-enforcement-notice.html. It would be a good idea to copy it to the FSA (Financial services authority) too. Put a line at the bottom which lets them know you are doing this.

 

As SP's thread has shown, Lloyds are just bullies - stand up to them and they don't like it. They're trying to scare you and its directly as a result of your own claim against them, which is contrary to the FSA statement of 6th July. Also, to close your account and pass the info to credit reference agencies would be a clear breach of the Banking Code section 13. Fight back and don't let them put you off - its you who's in the right here both legally and morally.

 

Good luck, let us know how you get on.

[leomnrose]

I am still bit confused, Lloyds are not threanening to close the acc., they are just demanding payment,should I write to Llyods or their solicitor & should I put both our names on the letter? Sorry for all the questions never done anything like this before. I have read lot of infdo & other peoples threads. I am angry that lloydstsb are treating me this way, I have bank with TSB for 40 odd years,

[Mindzai]

is the amount Lloyds are demanding less than or equal to the amount of charges they have taken? If so, write to them again, referencing their letter demanding payment, and explain in simple terms (they're not very bright) that the amount is in dispute. Tell them that unless they repay you, you will be starting a claim against them at the County Court.

 

One of two things will heppen next. They will either apologise and pause any attempt to reclaim the debt (unlikely) or they will continue to bully you (more likely). This is where it becomes important that you stick to your guns. Do not be intimidated by them. They can be very underhand and devious. You are doing the right thing by posting here before acting if you are unsure - if you continue to do so you will find plenty of support and advice from those further down the process that have had to deal with them.

 

If they apologise and cease action, all well and good but make sure you keep a copy of the letter.

 

If they want to bully you, stop talking to them on the phone so you have written evidence of everything they say as they are not above lying (see my thread in my sig!). This will also be useful for forawrding to the FSA, banking Standards Board, the OFT etc. Ensure all of your correspondance is sent recorded and include a reference number with each of your letters to make things easier to keep track of. Have a read through the thread in my sig as we have had to deal with many of their bully tactics.

 

An important thing to remember when it comes to dealing with their bullying is to absolutely not let it interfere with your schedule for getting your charges back. If you are not fully familiar with the process, read through the step by step guide in the FAQ section and write down a plan of what you need to do and on what date. Do not be put off from this - that is the point in their bullying. You've sent your prelim, so in 14 days from then send your LBA then in 14 days submit your claim. Do not be deterred from this schedule!

 

Good luck, remember there are plenty of people here to help so dont be concerned about asking lots of questions

[leomnrose]

Thanks Mindzai