McIavelli V Lloyds TSB

[Mistermind]

McIavelli,

 

Lol, Experian already knows what you had for breakfast.

 

If your Experian file does NOT show a Default Notice from Lloyds I am not sure that is definitive proof none was issued. Experian depends for input from banks and cards, and some of the grander banks do not bother to pass on all their info, including Lloyds.

[Mistermind]

If you have a Lloyds credit card as well as bank account, and a Default Notice was issued, you would have known about it. Your card would have been stopped from use. Cards are administered in Brighton old TSB office separate from bank account, so ringing up Brighton with query is unlikely to get back to your bank manager.

 

If Lloyds did or did not issue DN, provided they continue with the policy of not notifying Experian, such an invisible DN would not hurt your credit status vis a vis the financial community outside the Lloyds group.

 

If no answer forthcoming you could check with the second biggest credit reference agency located in Bradford, I forget the name, others will know, for a standard £2, or free online?

[Mistermind]

Experian is in Nottingham, Equifax in Bradford. Between them they have the market sown up. There is a smaller setup in Scotland I think, but minor.

 

It also would cost nothing, to ring Lloyds Bank. You will get through to a Service Centre. If you pose an innocent generalised question, they may not insist on passing the query to your branch, e.g.

 

"I am thinking of a Lloyds loan to buy a flat in the medium future.

But I did go through a bad financial period from which I am now emerging. So that I know what I need to do, could you advise if a black mark has been put on my file to make house loan difficult."

 

"(Now in a nonchalant tone) for example was a Default Notice issued against me? It was? Are you sure? What was the date of issue?"

[Mistermind]

You could go for an indirect proof. If you buy a mobile phone in the high street the shop will try to open an account for you with Orange, T-Mobile etc. These companies will check online, probably with Experian, probably basing their decision to accept/refuse on the absence/presence of a D N. But if Lloyds issued a D N and kept it quiet inhouse, the phone companies also will not see it.

 

I am not quite clear why you want D N removed, if it was ever put on. You would not have anything like sufficient legal grounds to demand removal of D N, unless the D N was triggered EXCLUSIVELY by unlawful charges.

 

I.E. If unlawful charges had not been levied, your account would not have gone overdrawn without authorisation.

 

Good luck.

[Mistermind]

bank charges over £5000

helpingmyson

Yesterday 22:05

by louis wu

111Welcome to our forum What if it looks like my charges total more than £5000 (1 2 3)

yogachick123

18th May 2007 13:47

by yogachick123

40481The Woolwich

 

 

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