HI all, My loans were pre 97. I have deferred regularly up until last year when I had an extension built to my house. I forgot the deferment forms because I wasn't receiving my mail regularly at that time. In 2005 i sent SLC my medical records saying that I have a chronic illness, multiple sclerosis, and that it is unlikely that I would work again, well I definetly won't get better. My question is shouldn't these loans be quashed by now and also as I am disabled through no fault of my own shouldn't they be over and done with ? Thank you for your responses, SeTi

I took ambers and your advice xr537 and I have written to Lloyds to get the information corrected as soon as possible. It has caused me no end of stress as I need a basic bank account at least to pay for care. It's awful because I have never acted fraudently but I DO KNOW of the girl mentioned in my credit report as she was a neighbour in a prior address. Do you think she applied in my name or gave my address or something ? I dont' know I just wish the situation could be "magicked" away as I have been battling this now for two years ! Thanks for the advice both its been really helpful and I wil keep you all posted. Sian

Thank you all for the welcome And thank you mahala and amber for giving me that information. I am going to do a dissassociation notice today. I have also emailed Lloyds bank as their branches are um well frankly um hopeless and I am now in the process of them checking out my file and hopefully removing the CIFAS for me too. So it's good news so far ! Thank you all again and I will check back SeTi^

Hi, My name is Sian and I recently had my credit report from experian. I was shocked to discover someone elses name on my credit report under CIFAS warnings. I researched this and discovered that my neighbour from my previous accomadation had applied for credit in the old place. This has appeared on my credit report as me being fraudelent. I have MS and although I don't expect any sympathy for that the CIFAS warning was issued by Lloyds bank and since it's been there I have been unable to open any basic bank account so that I can pay for my care This has caused me no end of distress, huniliation and embarrassment. I can not even get a credit card or a debit card because of this warning. I am not fraudelent have never been arrested as the CIFAS site suggests and am at a loss as to what to do. I have requested that Lloyds TSB investigate this matter. I have also requested that their subsidary Black Horse Finance remove the false information they have about me not paying a loan back. What else should I do ? I will never bank with Lloyds TSB after this. And I apologise if this is in the wrong place. SeTi^