I do have light bulb moments in the early hours and suddenly twigged on something. I got the 3 CRA reports in October and now have been in this house nearly 7 years decided to see which accounts appeared on them and to deal with them. Reading through posts on here I realise that I have 3 duplicate postings all to do with Lloyds.which have been sold.. Current account 1 Sold to Lowell 08/13 Current account 2 Sold to Marlin 12/12 Credit Card Sold to Hillsden 07/11 Should they be showing up twice on Credit Account Information?

Hi can anyone shed some light - I recently received two letters from Lloyds TSB out of the blue stating that after a review of my account they can no longer run a bank account for me. I have been with them for nearly 20 years, never had any problems, always in credit etc. Cannot find anyone to speak to to find out why, on what basis they made this decision etc. Just get told the banks can do this without having to give a reason. Surely there's a criteria on which they make their decisions??

I have checked my credit file. some of my debt accounts show default amount but are also marked as settled. what does this mean?

Cyber criminals who hacked a branch of Barclays bank have now given themselves up in the face of catastrophic losses on their account. The [problem] was running like clockwork after the gang initially succeeded breaking into the system and stealing £1.3 million of customers’ money. However, things started to go wrong after an unsolicited call from Barclays investment arm offering to double their money through derivatives trading. Despite the plausible sales patter, lead hacker Julian Brown revealed that by the end of the first week the Barclays traders had lost them £4 million. ‘We were then hit with £500,000 in unauthorised overdraft fees. The man rang back and said we should double up as we could make a fortune betting on something called the Libor. It all sounded too good to be true but we were in too far to say no.’ The hackers were shocked to discover that in the second week Barclays traders lost them a further £9 million as someone had apparently fixed the Libor rate. ‘It was just such bad luck, of course we were then charged £1.5 million in overdraft charges, interest and returned direct debits. We nearly had our broadband cut off, which would have been embarrassing for the reputation of an international group of computer hackers.’ To add insult to injury, the hacking group had their identity stolen and a further £4 million was removed from their account while they were on their way to give themselves up. Complained Brown: ‘Our card was skimmed when we got some cash out for the taxi to take us to the police station. It’s disgusting, you just can’t trust anyone these days.’ A Barclays spokesman said: ‘We offer all our customers the same terms and conditions, whether they are legitimate customers or fraudsters. We should remind you that investments can go up and down and we like to think of losses more as commission opportunities. By the way, there is a charge of £50 for the letter we will send out tomorrow to repeat all these points in a slightly less comprehensible way. It’s all in the small print, you know.’

All customers of Lloyds Banking Group, including Halifax and Bank of Scotland, will be unable to access online accounts overnight ahead of TSB bank website launch. All customers of Lloyds Banking Group, including Halifax and Bank of Scotland, will be unable to access their online accounts overnight ahead of the TSB website launch on the eve of its split from Lloyds. The new TSB bank will appear on the high street from September 9 when Lloyds offloads 631 branches and five million customers to meet European competition rules. Customers will be able to log in to the new TSB website, tsb.co.uk, from 8.30am on September 8. The website is currently live but does not offer online banking functionality. Ahead of the full launch, all online banking across Lloyds Banking Group will temporarily close, affecting around 30 million customers. More: http://www.telegraph.co.uk/finance/personalfinance/10272139/Lloyds-Banking-Group-customers-to-be-locked-out-of-online-accounts.html

I am about to come into the 'silly season' regarding some old debts, fallen off of the credit files but last payments in 2008. Not out of stat barred. If I recall under legislation these companies are now required to send you a statement of account every 6 months - non have done so, I also remember that if they fail to do so they cannot claim any arrears. Can anyone advise if they can still bring action for the original ammount. David

Hi Advice needed please. i have been repairing my credit file for a couple of years now and all going well. I log into my Credit expert account at least 4 times a month and keep check on things. i have now no ccjs or missed or late payments. However today when i logged in 2 accounts have gone missing/been removed. Both the accounts were only a couple of years old and both were capital one accounts. One was closed and settled with no late or missed history. The other is a active cap one credit card with no late payments or bad history. Both accounts have been removed ?. The thing is because both accounts showed good history woulkd it not be better to have them showing? Any thoughts as to why they have disapeared?

Hi all, been a while since i last posted about my issues with payday loan companies. Fortunately i have managed to stay away from these companies but i was just wondering if simply having accounts with these companies will affect my credit rating. For example, i still have open accounts with Wonga and Quickquid. I have no active loans out with them but is it worth ringing round each payday loan company (around 8) asking them to close my account? Thanks in advance, PSMITH

If a DCA gives one amount on SOA,,then writes back and said they got it wrong and its this amount ..Which infact would be higher..Are they only allowed the first amount?..

I'm not sure if there's a more appropriate forum for this. Please move if there is. I, with the help of some friends, have just set up a small group. I asked if we were going to charge people (this would be for things like buying a printer, paper, ink, etc) and someone said that it would be too complicated to keep accounts. But is it? Or am I being too naive and it's not just a case of having tables with incoming money, outgoing money and stating where the money has come from and where it's gone to?

Hello all, Just received my credit file back from Experian and found that I have THREE current accounts all with default balances! Natwest Current Account = £837 Santander Current Account = £496 Lloyds TSB Current Account = £1084 All balances were accrued between 2009 and 2010, which matches up to a period of mental health issues I was experiencing. However, to my knowledge, there was no money in any of the accounts and no DD or SO pending to make me overdrawn ... I'm assuming the balances (above) are predominantly bank charges which have escalated! I have approached my local branches of the banks but they have no details of me holding an account with them. A form has been completed find 'lost accounts' but I fear the balances would have been passed onto 3rd party recovery companies. I REALLY do not know what to do about this!

Hi all I hope you can clarify something for me which I remain a bitunsure of. My question is in relation to the treatment of accounts oncethey have been legally sold on to a third party (and a deed of assignment hasbeen produced). What I want to know is as follows: 1) Who’s responsibility is it to produce theoriginal default notice – surely its however currently owns the debt ratherthan the original creditor? If this is the case what legislation will back thisup for me? 2) How should the account now reflected on mycredit file? At this moment in time I have a default to the original creditor,but surely this should now be changed as they no longer own the debt? 3) Also if 2) above is correct how should this nowbe updated? Should it be marked as settled or removed entirely when the newowners put a default on my file? Surely if it is only marked as settled thenthis is an extreme disadvantage to me as to all intents and purposes I have twodefaults (albeit one marked as settled) for one account? Any guidance on the above would be gratefully received. Thanks

Hi all I'm hoping that some of the people around here may be able to help on this. I'm after details of the packaged bank accounts that Lloyds (and Lloyds TSB) has sold. I know that in the past these have included Select, Silver, Gold, Platinum and Premier but I would like more information: Does anybody know when Lloyds introduced packaged bank accounts? Does anybody have any details (such as what they offered, etc.) of these packaged accounts from when they were first introduced, etc. or after? Is there anywhere to obtain this information that anybody knows of (other than from Lloyds!) Any help appreciated! Thanks.

Hi I have a hsbc old loan which is due to come off my credit report jan 14 It has a lot of missed payments on the same as my Halifax loan which is due to come off my file a few mo tha later. Even tho they are 5 years old do you think they are still hurting my score if so how do I remove them?? Or try 2 They are both paid off or settled as you say

Hi all After going into my local LTSB branch and requesting old account history I was supplied with a print out detailing five loans (all closed) that indicated insurance was included. I sent a SAR and now have loan amounts and terms but no details of PPI. The enclosed letter stated that LTSB are not the data controllers for this information and that this had to come from LTSB Insurance Services. Where do I go from here? Is this just a fob off? Can you SAR LTSB insurance? LTSB Insurance is based in Newport, I rang but got nowhere when asking for SAR dept. Big Fish

This is just to inform you that I was looking at my credit report recently and noticed a search had been made by William Hill. I knew nothing about this and do not gamble. So eventually found out someone had set up an on-line account in my name and had purchased vouchers by cash to use on games. William Hill could not confirm to me which date of birth was used or email address. Only that I should contact the police and they have loss money. When I contacted the police they stated I had not suffered any loss, so therefore it is not considered a crime. Still not a pleasant feeling that someone has used your details fraudulently. So it's worthwhile to regularly check your credit report.

Tesco has confirmed that it has called in the police to investigate a possible data breach after a number of complaints from Clubcard members who claim to have had their online accounts compromised. Clubcard holders informed moneysavingexpert.com that they have found hundreds of pounds worth of vouchers missing from their accounts, with vouchers being spent miles away from where they live, as well as some claiming that their account details have been changed. Tesco says that the number of compromised accounts is less than 100 and it is working with the relevant authorities to resolve the issue. The retail giant has 16 million Clubcard members. "We have launched a thorough investigation into a small number of incidents and referred the matter to the police," said a spokesperson for Tesco. "In the meantime, we'd like to ask any customers who believe they're affected to contact us directly so that we can make sure their accounts are up to date." Read more: http://www.computerworlduk.com/news/security/3426928/tesco-calls-police-as-online-clubcard-accounts-compromised/#ixzz2LRmmaY1a

Strange question maybe, but I moved into a shop with flat above it. The Electric and Gas were single suppliers, so one account for each utility for both shop and flat. The water companies have separate accounts, so we get 2 demands for clean water for shop and flat, plus 2 separate demands for sewage/waste water. So for one supply of water to both flat and shop, used by my wife and me, we get two bills, and we get two bills for waste water. The hot water/central heating is fed from the same boiler to both parts of the building, the waste is taken into the same drain.The shop has two sinks and one toilet Can they reasonably charge twice for the same supply ? Or am I being stupid ?

BBC news this morning.... http://www.bbc.co.uk/news/uk-politics-21376915

Hi forum. It's nice to meet you all and to join. I'm looking for a bit of information if anyone at all can help I would be very grateful. without going into too much detail, I'm having to run away from my debts. The problem is that I need a phone for work and I've had Sky for over 10 years. I'd like to take them to my next address but I was wondering if they inform the CRA's of a change of address. If that's the case I'd have to work out something else. i work as a counsellor online and on the phone and without the phone I would have no work. Does anyone know if Sky notifies the Credit Reference Agencies or if they don't do this. Many thanks for your help.

Just wondered if you have any of these accounts connected to your bank account do Banks and Lenders veiw them as a big negative whilst considering offering you a Loan or Mortgage ect.

Have mentioned this before. Following an investigation by the FSA CPP were fined a total of £10.5m CPP was applied to both Associates cards and later Citi branded cards. It seems that CPP have a liability themselves for some agreements,while Citicard themselves have a Liability for others. If you have tried seeking a refund from CPP directly,they may refer you to Citicard,who will send you a letter saying they are investigating. I waited almost 6 months for Citicard to complete their inquiries which then saw them sending a cheque for 1 years CPP membership with no interest added. Their letter stated that this was in full and final settlement. I have demanded to be given a breakdown of what the payment covers and have preliminary accepted their cheque as part payment in settlement. It is therefore important that if you are contacting Citi or CPP in respect of card protection/Identity protection insurance,that you demand full information in respect of any payments they may send to you in settlement,so you are able to evaluate if you have been refunded in full with interest. We have obtained a dedicated address for the department dealing with these claims which is; Complaints Handling Team Citicard PO BOX 53680 London SE5 5PY email citicardsman.customerfeedback@citigroup.com Please share your experiences and progress with claims in your own threads. Here is the statement put out in November by the FSA We have fined Card Protection Plan (CPP) £10.5 million for mis-selling insurance which covered customers against the risk of fraud on lost or stolen credit and debit cards and against the risk of identity theft. CPP has agreed to pay an estimated £14.5 million compensation to affected customers. Find out what this means for you. CPP sold credit and debit Card Protection and Identity Protection both directly to customers and through high street banks. Between January 2005 and March 2011, these products might have been sold inappropriately. For example, we found that customers were told that they would receive up to £100,000 worth of insurance cover against fraudulent transactions with Card Protection insurance. This was often not needed as customers are usually covered by their bank. Furthermore, during the sale of Identity Protection, CPP sometimes exaggerated the risks and consequences of identity theft. Compensation for customers Customers don’t need to do anything at this stage, CPP will contact those who may have been affected and, following a review, will pay compensation to customers where appropriate. However, in the meantime, you can write directly to the firm. CPP has agreed to stop new sales of products (apart from where the insurance is sold as part of a package) and to stop trying to persuade customers who call to cancel their policies to keep them. You do not generally need insurance for fraudulent transactions on lost or stolen credit and debit cards because you are not legally responsible for unauthorised card payments – apart from in exceptional circumstances. Know your rights See more about unauthorised transactions in our Bank accounts: Know your rights guide (pdf) or see our Bank accounts: Know your rights page.

Hi all Long story short, ex husband has a gorgeous son with an ex girlfriend. he's not allowed to see him, SHE insisted that she wants nothing else to do with us as a family or her son to see his dad. We have tried and failed to change her mind. Ex hubby has paid what he can, and looks after our two girls very well...although we both went through bankurptcy in the last 5 years and are still just above the breadline. We have been constantly harassed by the csa, when hubby was on benefits last year and now we are trying to start a business. Its a ltd company and once again we've been served with a csa letter asking for personal returns, profit and loss account, profits from shares and any other income. ALL to be signed by a registered accountant!! (which we don't have! - define registered??) I work for a government agency, so this is all very upsetting. i am also director of the company and we have made no profits for the last 2 years, taken no wages or paid any dividends. We are living off minimal expenses and my part time job. How can the CSA insist on accounts being signed by a registered accountant? Can they insist on the company accounts even though i am majority shareholder? We will happily pay..when we have some money!! At the moment i have £15 in my pocket and £15 in the business account! How can they assess him on money that hasn't and CAN'T be paid out to him?? Any advice would be gratefully received. I'm also being personally harrassed by the woman as she insists on sending me poisonous letters (unsigned of course).

Hi Took 1st credit 16mths to produce 2 sets of T & C for a CCa request no sigs..Today get a letter from connaught say they will pay 60% of the debt and OH pay 40%..me thinks they have no Executed CCa lol..they even said we can only offer this deal for one mth ..take up the oppitunity now lol:)

My son got ripped off by the system some years ago. His college tutor advised him to redo year 2 of his course. So he took the advice, didn't complete the last few weeks of year 2, and intended to restart that year the following Sept (2007). However, the college converted into a university in the meantime and he was told during the Summer holidays that he couldn't retake year 2 as planned. He appealed and was told he could return at the end of the school year to retake only the bit he'd missed. The Student Loan Company (SLC) deemed that would amount to part-time education and so he would not be entitled to continue his student loan. Without the loan, he couldn't continue and so was forced to drop out. SLC then deemed that he'd intentionally dropped out and so was liable to repay the loan in full. I suspect that the SLC decision is perverse, but that's not the point of my post. Since leaving full-time education, he hasn't earned enough to take him over the payment threshold. He's now emigrated to Australia and set up his own business that's making insufficient profit to take him over the payment threshold. Unfortunately, SLC are demanding that evidence of his income be verified by an accountant or lawyer, which would incur significant professional fees. I have to ask why a copy of his tax return to the ATO would not be adequate and whether SLC have the right to demand that my son, effectively, spends a large proportion (more than he can afford) of his income on having his accounts professionally verified/audited when the only reason for doing so is SLC's demand? All help gratefully received.