Lloyds 1978 cc

[nightwatch]

Re: Lloyds 1978 cc

niddy
we owe about 5000 to lloyds
yes it was that well known site that told me to pay. all they kept pushing for was ppi, but we didn't take any on our cards so they lost intrest in my postings for advice and i gave up till i found this site
we owe around 95k+in total, it started at 100k+ in 2002
so it will be 3001 when its all paid off
we have 20 cc and store cards between us
all accounts are still having some payment made to them and all have been defaulted so mayas well start on all of them
will start a diary tomorrow but will need lots of help
as i start off confident and then start to doubt if im doing right thanks

would welcome any template that would get them to clear the file and bugger off

nw

[Never-In-Doubt]

Re: Lloyds 1978 cc

we are still paying a small payment as was told on another site i should and hubby was worried about going to court

but thinking i may now stop payments as they have pissed us about and conned us by saying thet would have an agreement

where do you thimk it could go from here
NW xx

WHAT????? Was this other site CAG?

Stop all payments, seriously - quit paying this debt - christ! I presumed you stopped paying in 2008

It'll go nowhere as they cannot satisfy s.78, they cannot satisfy s.87 or s.88 - in fact they cannot satisfy anything as the whole thing is unenforceable......

You really gotta start playing the game now......

what is the actual balance of the debt? Do you have other bad debts?

[nightwatch]

Re: Lloyds 1978 cc

we are still paying a small payment as was told on another site i should and hubby was worried about going to court

but thinking i may now stop payments as they have pissed us about and conned us by saying thet would have an agreement

where do you thimk it could go from here
NW xx

[Never-In-Doubt]

Re: Lloyds 1978 cc

letter sent I asked for clarification of the DN issued as they had defaulted and closed the account in 2002 pointed out i was not in arrears as i had made payments that they had agreed to, and why it had taken them 8 months to contact me,
I pointed out that to mark the account with AP markers since the default was removed was unfair and that i wanted all adverse markers removed from the file also asked of they had a signed copy of the agreement and quoted CPUTR 2008 got the letter attached post 4

sent CPUTR 2008 received letter saying they can't add anything further to my complaint
sent sar

thats where i found the internal email saying the cannot find it.

Hiya

Ok, well weird as it is - I just (yesterday) did two letters for another user here that has the EXACT same problem so all you need to do is follow the support I have sent his way - see this thread and you'll see my two templates on page 2 - I will need to edit them slightly as this debt was SB'd - but the basic principle is the same, if you're interetsed in using them? Just give me a shout and I'll amend to suit for you......

After those, we can then threaten legal action and get heavy but to start you need to give them the chance to sort things.....

Thread here: ---> Recently entered default on very old account - allaboutFORUMS

Letters here:

Bank ---> allaboutFORUMS - View Single Post - Recently entered default on very old account

CRA ---> allaboutFORUMS - View Single Post - Recently entered default on very old account

[nightwatch]

Re: Lloyds 1978 cc

Just seen this, classic - how was the hangover then?

the hangover was a corker.

hubby says they maynot call again as i put her in her place very well. but i don't remember, pity

[nightwatch]

Re: Lloyds 1978 cc

to continue
2010
nothing till April letter rec saying agreement was at an end letter sent with new prorata offer
May statement asking for £120 letter sent with copy of aprils letter offering prorata payments
june letter received saying account is on way to consumer debt recovery team thought account was already with recoveries and they will accept the offered payment
statement asking for missed payments
july formal notice of missed payments for june and july
statement asking for missed payments
Aug default notice received dated 17th ,asking for payment of arrears by 6th sept

Sept letter from SCM asking for full ballance, cards returned not had one since 2002
or else court
letter sent enclosing copy of junes letter accepting payment and asking them to pass it to the next desk,consumer recovery, as i would like to know whats going on
statement asking for missed payments
CCA sent attachment in post 2 received
oct statement rec asking for missed payments
nov notice of none payment of arrears
Letter rec accepting the payment offered in april for 6 months
dec sent for copy of CRA file
no recent default showing, but they have been marking the account as AP and have also marked all the months they had agreed to the lower payment as missed.
2011
letter sent I asked for clarification of the DN issued as they had defaulted and closed the account in 2002 pointed out i was not in arrears as i had made payments that they had agreed to, and why it had taken them 8 months to contact me,
I pointed out that to mark the account with AP markers since the default was removed was unfair and that i wanted all adverse markers removed from the file also asked of they had a signed copy of the agreement and quoted CPUTR 2008 got the letter attached post 4

sent CPUTR 2008 received letter saying they can't add anything further to my complaint
sent sar

thats where i found the internal email saying the cannot find it.aldo the one saying they can remove markers but payment has to be maintained as cannot be reapplyed

[Never-In-Doubt]

Re: Lloyds 1978 cc

Sorry not has time today, the world and his wife called today.
#I hate his wife with a passion , and so the bottle of christmas sprit i keep for emergencys has been opened.

you will get very little sense out of anything i type today, hubby may well be dining alone tomorrow, as a self inflictded, unexpected illness may be on the cards

will get to it once i have sobered up

Have a verry merry christmas every one xxxx

Just seen this, classic - how was the hangover then?

[nightwatch]

Re: Lloyds 1978 cc

ok niddy as requested from the begining

Hubby opened an account with TSB 1968.when we lived in manchester
was offered a TSB visa in 78 and took it.cannot remember signing anything,
1982 was changed to LLoyds tsb cc

2002 account was defaulted and default regestered with CRA have copy of cra file 2006 with it on
prorata payments set up and agreed to

2003 new prorata patment agreed to and paid every month
Letter saying they were dissapointed that we were not keeping yo agreement and asking for arrears letter sent asking what arrears as paying
8 th aug letter thanking us for contacting them and telling os the account was closed
27th aug Default asking for arrears ignored
sept letter from SCM asking for full amount as we had ignored Default and reminder,If we don't pay court action MAY be taken letter sent to say we dont owe any arrears we are making payments
oct letter from MHA they want the arrears or they will instruct SCM to look at starting legal prceedings letter sent, we have spoken to SCM piss off

2004
jan letter from lloyds demanding full payment or else letter sent we are paying what we can, you agreed to it, please take us to court if you think you can get more
march letter thanking us for keeping to arrangement and they now want more,
letter sent saying, ask for what you want but you wont be getting it. new lower prorata payment offered and agreed to

2005/6/7 payments made, statements received, no letters

2008 this is received but no idea what it was about cannot understand it

[nightwatch]

Re: Lloyds 1978 cc

Its a long story and have to go out soon but will give all details in order tomorrow' Guides honour x

Sorry not has time today, the world and his wife called today.
#I hate his wife with a passion , and so the bottle of christmas sprit i keep for emergencys has been opened.

you will get very little sense out of anything i type today, hubby may well be dining alone tomorrow, as a self inflictded, unexpected illness may be on the cards

will get to it once i have sobered up

Have a verry merry christmas every one xxxx

[nightwatch]

Re: Lloyds 1978 cc

Its a long story and have to go out soon but will give all details in order tomorrow' Guides honour x

[nightwatch]

Re: Lloyds 1978 cc

part way down

[Never-In-Doubt]

Re: Lloyds 1978 cc

I have the print out in front of me as i type

would you like to see it ??

Oooh yes please.... have you actually sorted this or what? I have not been following things but seriously, if you can get time to explain things then I'm sure we can kick some arse etc....

Basically what is happening and whats the status of the account? Are you chasing UE, are you paying, is there a live complaint, did you miss the complaint, what?

try and explain things to us as though we'd never spoke about it before - then i'll come back to you with anything you could do to sort things once and for all....

[nightwatch]

Re: Lloyds 1978 cc

I have the print out in front of me as i type

would you like to see it ??

[Never-In-Doubt]

Re: Lloyds 1978 cc

just found something else

I wrote to them2010 asking for them to remove markers from CRA file as payments had been sent and they had ignored previous letters, also pointing out that they had sent a Default and had said they were going to apply it to the cedit file, but as they had regestered a default in 2002 they could not enter another one
the reply was , more or less 'yes we can'

but have found this 26/04 ; email; cr manager to check how many defaults on file as customer querying default being applied-advice given await response

28/04, email; to adv on points given in ds letter-advised that we can remove default and adverse however payments must remain incoming as default can not be re-applied await outcome

they never sent me that one!!

Sorry, can you elaborate? Please tell me you have this in writing?

[Never-In-Doubt]

Re: Lloyds 1978 cc

As I thought so what they are saying in the letter above is bullshite and that in it's self tells me that they are holding back and not truthful.

Clearly trying to stop a complaint to the FOS me thinks so what are they hiding.



Last paragraph hmmmmm

No, what they're saying is kinda true but I am saying that you can get round this by creating a new complaint incorporating the previous one.

A lender may well give 6 months to go to the FOS but you may be awaiting other info or anything so to alleviate their unfair processes (the FOS rarely allow extensions) we just start a new complaint, easiest way is to send a SAR and fish for anything else that you feel is pertinent.