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  • #31
    Re: Lloyds default

    Thanks very much will send this now.

    Comment

    • #32
      Re: Lloyds default

      Hope the above helps you out a bit, just keep us updated.
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

      Comment

      • #33
        Re: Lloyds default

        Originally posted by Simply1 View Post
        Thanks very much will send this now.
        I have just edited it so refresh the page and then copy it - press F5

        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

        Comment

        • #34
          Re: Lloyds default

          Already sent the other one, they just say they need a fone number to deal with it so had to give them my home number.

          Comment

          • #35
            Re: Lloyds default

            Originally posted by Simply1 View Post
            Already sent the other one, they just say they need a fone number to deal with it so had to give them my home number.
            Nooooooooooooo

            Ok, in future never be so quick - what was the rush to do it immediately?

            Can you do it again....? Use the finished version as above and this time, when they ask for phone number use this --> Free Number to Issue Creditors - allaboutFORUMS

            We give out a free number as we have our own phone number system as well.

            Never give them this info unless you have to
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #36
              Re: Lloyds default

              Bollocks, when they fone will I say I just want to discuss in writing then as clearly now they have the complaint and my number doh sorry I'm learning quickly. Was just trying to be proactive and get the ball rolling.
              Last edited by Simply1; 28 January 2013, 21:28.

              Comment

              • #37
                Re: Lloyds default

                Originally posted by Simply1 View Post
                Bollocks, when they fone will I say I just want to discuss in writing then as clearly now they have the complaint and my number doh sorry I'm learning quickly. Was just trying to be proactive and get the ball rolling.
                Ok no harm done - but as you do not owe anything, whatever you do do not admit to it lol. If they say to you "you owed £80 in 2005" you would say "No I did not, I closed the account in 2005"....

                Are you following....
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment

                • #38
                  Re: Lloyds default

                  Yeah got you ha! So do I ask for all dealings in writing then? Or just deal with whoever phones?

                  Comment

                  • #39
                    Re: Lloyds default

                    Originally posted by Simply1 View Post
                    Yeah got you ha! So do I ask for all dealings in writing then? Or just deal with whoever phones?
                    If they phone you simply say "please respond in writing only"....

                    They may well call you now to establish identity and in doing so may try and trick you into admitting you owe them money - whatever you do, pause and think before responding. You do not owe anything, remember that!

                    As far as you know the account was closed in 2005 - stick to that, you'll be fine.
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment

                    • #40
                      Re: Lloyds default

                      Just want to say good luck with this . Keep us posted!
                      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #41
                        Re: Lloyds default

                        Thanks for the help guys fingers crossed for a positive outcome. Look whatever they say this account had a £200 overdraft limit when it hit this amount in June 2008 then surely that's when I should of been defaulted but no they just kept adding interest until defaulting me in nov 2010. Surely they have to accept they made mistakes on this account

                        Comment

                        • #42
                          Re: Lloyds default

                          Originally posted by Simply1 View Post
                          Thanks for the help guys fingers crossed for a positive outcome. Look whatever they say this account had a £200 overdraft limit when it hit this amount in June 2008 then surely that's when I should of been defaulted but no they just kept adding interest until defaulting me in nov 2010. Surely they have to accept they made mistakes on this account
                          So they defaulted you as a result of you exceeding the overdraft limit? As for how long it took them to default you : arse holes mate!
                          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #43
                            Re: Lloyds default

                            Well they just kept renewing the overdraft even tho there was no activity on the account from 2005, so for nearly six years they just added interest until it reached £312 then closed account and defaulted me. But yeah there was only a £200 overdraft limit and it was past this for nearly three years before they did anything.

                            Comment

                            • #44
                              Re: Lloyds default

                              Well guys can't quite believe it but received a letter today from Lloyds agreeing to remove the default from my credit file, however they have said I must settle the outstanding balance, they have refunded all interest to the account which leaves a balance of £120. Got to say I can't believe they have done it. I haven't checked my credit file yet as I'm assuming it will only be removed once I pay outstanding balance, but it states clearly they will have default removed.

                              Comment

                              • #45
                                Re: Lloyds default

                                Originally posted by Simply1 View Post
                                Well guys can't quite believe it but received a letter today from Lloyds agreeing to remove the default from my credit file, however they have said I must settle the outstanding balance, they have refunded all interest to the account which leaves a balance of £120. Got to say I can't believe they have done it. I haven't checked my credit file yet as I'm assuming it will only be removed once I pay outstanding balance, but it states clearly they will have default removed.
                                Well done mate, beer is in order!
                                Make sure you keep hold of that letter!
                                When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                                Comment

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