Hi All From recent activity and instilled confidence boost - going through all my SAR's and have literally hundreds ££ of charges to be reclaimed. SO - Initially Thinking of reclaiming unfair charges for a Lloyds CURRENT a/c running through Sep 2001 till 2007. The current account is now closed and has been sold to DCA. Just wanted to confirm ( as not many recent threads on this subject ) is the best route to take ( as over six years old claim ) is : - 1 ) Court Action ( MCOL Claim ) ? including Pre-Action protocol. Just read from from an old post c.2013 from Slick132 - Getting charges back on a bank current a/c is not likely unless :- 1. There is Financial Difficulty (or hardship) involved, and there is lending (eg an overdraft) in which case you could use The Lending Code to reclaim charges from March 2011 onwards. Is this still the case ? Many Thanks

Good afternoon all I have taken a very vital case against Lloyds and this time it will be us (consumers) who are in a stronger position than the Bank. I have taken them to court and despite the fact that they have tried everything to drop the case; the Judge has given us a date. They are throwing money at me to stop the case "as a gesture of goodwill" I am a very specialised Financial analyst and I believe that I caught them in a fine line which will potentially cost them millions of pounds hence wise they are trying to close all the back doors for others to follow me and changed their T&Cs in legal phrases. Now can anyone please explain to me what is the difference between "Planned" and "Arranged" in legal terms? the phrase in banking term will be "planned overdraft" vs "arranged overdraft" Secondly can anyone please guide me where it is referenced on Government's websites for the phrase of "Business Days/working days" as well as "Bank Holidays" Thank you in advance for your help Regards

Hi All I have instigated a PPI claim to Lloyd's bank regarding credit card PPI. I have sent paperwork including a copy of my CCA where the PPI box is ticked. They now wish to speak to me on the phone as they need further information Is this a wise move to answer them and can I shoot myself in the foot by answering questions incorrectly. Many Thanks

I have had a Loan, overdraft and credit card with Lloyds bank which they have agreed to freeze the interest on. They’ve had said that from this I will then have 1 default on my credit file on 6 years and within 35 my account will be passed over to the collections team and then the recovery team. What does this mean? It totals about £10K but I’m worried about bailiffs!

Hi all Hope everyone is well. Had this back recently - after months on inactivity on all accounts. For a Lloyd’s credit card This is the one and only sheet sent back from Idem. Looks like an application form to me ? Any help much appreciated. Thanks for looking and Bon weekend ! Here is correct picture Lloyd’s scan 2.pdf

Lloyds issued with legal directions for PPI breaches READ MORE HERE: https://www.gov.uk/government/news/lloyds-issued-with-legal-directions-for-ppi-breaches

Help needed on lowells fastrack 14th sept '18. lowells are chasing me for £15,500 for a non secured lloyds loan. i defended a lowell ccj in northampton ccbc via mcol and aos, i have received notice of assignment but not deed of assignment, lowell are going for the jugular and i have had enough, not just of lowell but the depression i am suffering is stopping everything but work and worry. I have redacted copies that will give details of everything and my poorly advised (i think but not sure) fast track response denying debt which I'll upload either in pdf or jpeg format as needed and an other info prior to the upcoming case. needing best advice available on cag in the final stages please. jazz.

My partner has a llyods loan and has had 2 holiday payment breaks in the last year (contract stated 2 in 1 year) she is at the maximum but is finding it hard financially after having a baby. She ideally would like to put the loan on some kind of a hold until she goes back to work full time (around 6 months time) Is there anything that she can do? it would help massively as the loan repayments are around £400. If not she will just have to soilder on thanks guys

Hello Try to be brief. had a ltd company back in 2005 with an overdraft linked with a personal guarantee. The company is now dissolved and Lloyds obtained a CCJ against me for the bank overdraft of £7900. I did not know about this until I searched Land Registry and saw a charging order on the property. The charging order was dated 2009 I contacted Lloyds who inform me that they no longer have the debt as they sold it and passed liability first to Hillsden and then to Cabot and lloyds. I have requested from lloyds all the copies of the original loan details, Ts&Cs etc. They have refused to pass on these documents as i am "Not Entltled" to these documents as the company does not exist. I have had no communication or updates from Cabot. Lloyds say that I must ask Cabot to release the charging order although in the name of Lloyds. Is all this correct? Any advice appreciated

Hi all Lloyds are a bunch of @@@@@@@@@@@ Early 2004 I had credit cards with Easymoney and Morethan … the card issuer was Lloyds In 2006 Lloyds took both over reissuing their own cards. DX100UK … can Lloyds offset any earlier PPI against the current debt? I submitted SAR on 16 May for both and received a copy of one the agreements no mention of which dated 2004 and Lloyds statements for bothe Lloyds accounts 2006 and 2007 but nothing from 2004-2006. they claim they only need to send last 6 years statements... ive sent a chaser on 21 Jube … so far nothing... I had asked you to provide full account information over 40 days ago and so far have sent me statements for one account for 2006 and 2007 despite the account starting in 2004. If I do not receive a full set of statements for both accounts by end of June I will submit a complaint to the Ombudsman and the FCA. What else can I do? thanks

Does anyone know of a website that I can use to refund my money from a dormant back account as I had an old TSB bank account now Lloyds which has a small amount of money which has since been closed (tried mylostaccount.org before). I've already been in my local Lloyds branch today and they advised to me to reclaim the money. Thanks

Ill start by stating i have never had any dealings with Lloyds Bank in my life but they have registered accounts on my credit report. There is two accounts on my file one mortgage for an address which is not mine and also a credit card again which is not mine. The mortgage is in serious arrears and the credit card is listed as defaulted.I am also receiving debt collection letters. I have had problems with Lloyds in 2010 - 13 where they also had a CCJ against me. They also sent a letter from there solicitors to my address stating i was a fraudster. (see attachment) I managed to get things erased from my credit file eventually through a lot of hard work , and eventually i went to the newspapers and FOS who helped me sort it. I received a disgraceful amount of compensation for what they had put me through and now they have managed to wreck my credit file again. I have sent SAR off and i am awaiting response. Again this is for a person with the same name and DOB as me but this person has a middle name and i do not. Any help or similar experiences with this kind of thing would be good to know so i can again chase them. Thanks. Sorry attachment here from mentioned above. see my other links https://www.consumeractiongroup.co.uk/forum/showthread.php?488056-Barclays-default-not-mine-!!!&p=5129009#post5129009 Lyons Letter.pdf

Hello Caggers Any help surrounding a SAR with Lloyds and HSBC. I've been going backwards and forwards with Lloyds for nearly 4 months," no record of my account in their system,please supply full account no." Raised a SAR and finally they find me in their system but are requesting certified only documentation as proof of name and address. I must add I live overseas so any correspondence is a really drawn out process, it appears to take 5 weeks for a letter to get to Australia from Lloyds. Do the banks normally stipulate certified paperwork only? It feels like the bank are putting up as many barriers as possible. Having the same problem with HSBC who haven't even acknowledged my SAR.

Hi there I am going through my payplan accounts with a toothpick at the moment. And I found a confirmation letter from Apex regarding an old Lloyds account , confirming that the account has been settled thanks for paying blah blah blah....... I paid in full £1000 back in 2012. Yes paid blindly. I do not recognise the account number on the confirmation. I am trying to match the account up. ( I am going to process a SAR with Lloyds after the 24th ) - but want to start this now with Apex. Is there a standard template letter of sorts - that I can send to Apex asking where exactly where has my money gone ? What account was it used to pay off if ANY >????? hope someone can help. Thanks

Hi Peeps Slowly making my way through Payplan DMP..aiming to obliterate them all at last. Lloyds Current Account O/D £900.00dr sorry been paying them £1 month recently payplan. 10 year old debt - fallen of CRF. obviously being fleeced as debt not really gone down. What letter do I send to Akinika ? unsure of this one as current account. Thanks Peeps

Did you know Lloyds Banking Group (LBG) has a Fraud & Frequent Complainers Team? If you make one too many complaints to LBG, they will refer any and all future complaints to this team to complaint manage! I have recently had cause to complain to LBG about a number of issues (e.g. not putting service first and not being treated as a customer fairly). Having contacted LBG to find out about the progress of my complaint, I was informed by one of their Customer Service Advisors (CSAs) that my complaint was taking longer than normal, to be allocated to a complaint manager. When I enquired as to why it was taking longer than normal, the CSA advised me it was because my complaint had been reallocated to one of their specialist teams. I asked for some clarity around what that meant and also what specialist team, they were referring too. The CSA then advised me that my complaint had been passed to the PCA Fraud & Frequent Complainers Team. I have seen internal documentation, which shows LBG refer to this team as the “F&F Team”. So for clarity, if you make several complaints to LBG, at some stage they will stop dealing with your complaint as a normal everyday customer, and start allocating your complaints to one of a small team of Case Complaint Managers, within this “F&F Team. To give you some sort of indication on the possible trigger point for this “specialist team” I have probably put in about 9 complaints over a 20 year banking history with them, so I assume the referral threshold for allocation, to the “F&F Team”, isn’t that high! As a result of this experience, my impression is that LBG must have an automatic flag marker system in place. I would be really interested to know what their policy is on this and whether the processing of this data is manual or automatic. On a separate note, one of the Data Subject Access Team’s CSAs, has recently advised me that LBG customers can now submit SARs online. This is done via an Online DSAR Form. https://apply.lloydsbank.co.uk/personal/a/gforms?formId=F010&prodType=GN PROs You do not have to pay the £10 statutory fee, it’s free! I have used this new service twice and it is much quicker in comparison to the conventional route of submission (i.e. recorded delivery directly to the DSAR Team or via your local branch in person). CONs Once you complete the Online DSAR Form, it moves to the next screen and tells you that you have successfully submitted the Form. However, it doesn’t give you a URN to prove this, and it doesn’t send you a copy of the Form to your email address. You then literally have to wait for the DSAR Team at LBG to write to you and acknowledge receipt of your DSAR. I am not saying this is the best thing since slice bread, but certainly another option for us consumers! They don’t advertise this new SAR submission route, and even there CSAs aren’t aware of it.

Hi All, I applied to Lloyds for an SAR. The SAR was correctly made and accepted by Lloyds. I contacted Lloyds SAR Team via telephone, several times (at least three times) during the 40 day statutory period, and on each occasion, they advised me that there were no issues, and that they would be dispatching the SAR data, within the 40 day statutory period. The day before the 40 day statutory period was due to expire, I contacted them one last time. On this occasion Lloyds advised that because I had phoned them 3 weeks into the SAR period, and asked for specific information (i.e. PPI and Loan information), they had reset the 40 day statutory period, and that my SAR request would now not be sent until the end of this month. When I phoned Lloyds asking for this specific information, I firstly clarified with them, that by asking for this specific data, there would be no delay in the original SAR date. The SAR Team advisor i spoke to confirmed that there would be no delay. The whole purpose of asking Lloyds for this specific information was so that they didn't have to trawl through years and years worth of data. Had i been told at this point that there would be a delay or the statutory 40 day period would be rest, i would have left the SAR request as is, and got them to send me everything. My fault for trying to be helpful towards Lloyds. Lloyds stated that they had sent me a letter advising me that they were delaying the SAR disclosure. They stated that they had sent me the letter on 7th March 2018, yet as speaking to them on 12th March 2018, I had nothing through the post. I eventually received a letter from them on 16th March 2018. My issue here is, if they had known they were delaying my SAR when i originally phoned them (3 weeks into the SAR 40 days), why did they leave it for over 2 weeks to notify me that it was being delayed. Also, i have phoned them on a number of occasions and at no point have they advised it was delayed. The 40 day statutory date has come and past, so i issued Lloyds with a Letter Before Action (LBA), giving them an extra five working days to send me the SAR. They failed to do this so i have now issued an N1 Particulars of Claim for breach of SAR Request. This was done via money claim online. I have confirmed that Lloyds received the N1 Particulars of Claim, via a signature on special recorded delivery. I have also submitted an N215 Certificate of Service in relation to this. I have now received correspondence from Lloyds who have instructed solicitors on their behalf and are defending the claim. I am not sure on what actions i need to take next. I am not legally trained and have limited knowledge of civil court proceedings. Please can i have some advise and help on what i need to do next. Aside from the N1 Particulars of Claim, i have also submitted a complaint to the Information Commissioner's Office, for the breach of data protection.

Hello people, Its been a long time since I've had to do this so I'm looking for guidance. My Partner has received a County Court Summons dated 22 March2018 for a Lloyds credit card. The card was taken out in 2000 and the last payment made was in 2014 - according to the particulars the agreement was assigned to Lowells in March2015. I am presuming there will have been letters from them but my partner WILL have ignored them, which is why I am guessing they have gone down this route - hoping this will be ignored and then gain judgement by default. The total claim is £2126.77 Obviously this is now time sensitive so I need to get moving with it - How do I reply to the summons and then how do I deal with Lowells? Sorry its so sporadic but I do a lot of travelling with my job so sometimes its difficult to get things achieved. Any advice, as always , gratefully received. regards OOT

Hi all, Right! - this could be a difficult one. My wife has a Lloyds bank Trustcard credit card which goes all the way back to 1988 and has PPI on it throughout the 30 years it's been in existence. Now, the CC is still active although the balance is now zero as i managed to finally get it all paid off around June 2013. The card was originally issued as a Cheque Guarantee card for her current account. This was issued when she opened the current account. What wasn't initially obvious was the fact that it was also a credit card with a separate credit card account. I have a quite a few questions - so be gentle with me 1. My wife never applied for a CC only a Current account with TSB and had no idea that the subsequent CC account carried Payment Insurance - is that grounds for a PPI miss-sell? 2. We have scoured the house for monthly statements and have pretty much every one from 2000 to 2013, most of 97-98, some of 96 and some very sparse copies from 91 and 92. We have nothing prior to 91 - except believe it or not the actual original plastic card with issued in 88 on it. So as you can see we have alot of missing years in between. What can we do (if anything) to try and fill in the missing years? Is it even possible or permissible to extrapolate the data. 3. I sent an SAR and received back alot of paperwork but nothing back further than 2000. So that was no real help - is there anything else i can request? 4. If it is a case worth pursuing and bearing in mind that it runs across some 330 months up until 2013 when it was paid off - is there any spreadsheet i can use to try and assertain just how much we might (if successful) get back? 5. Do i make calculations up until the balance was brought to zero or until now? 6. What's the best approach for this - FOS, letters to bank, Resolver?? I've had success with resolver on bank loans with PPI but they were simple things in comparison. I'm a bit clueless as to the best approach on this one as CC PPI seems to be so much more complicated. If anyone could guide me along this path I would be very grateful. Answers on a postcard Thanks in advance Kholo

Hi all, I am new to this and I hope the good people out there can help me. I used to be in terrible debt problems in the second half of the 00's and beginning of the 10's - with many credit cards and unsecured loans. All of which I was paying large amounts of penalties and interest. This was with Lloyds, Natwest, Egg, Virgin and MBNA. A few weeks ago I received a letter from MBNA (relating to a Virgin credit card account) saying the when my credit card account was in arrears they should have sent me a notice of sums in arrears on 21st September 2009 but as a result of an error they didn't. Therefore they have refunded any interest and default fees that were added from the date and the date of this letter (9th Jan 2018). The total (to my amazement) was a £9k refund in the form of an attached cheque. I did not believe it until the cheque cleared which it now has. I have some questions: 1) Should MBNA pay me interest on top of this for keeping this money over the period of time. I think I am right in saying that if this was resolved in court then I would be due 8% straight interest on the refunded amounts. 2) How do I check if I am due refunds from Natwest, LLoyds, Egg? I did not receive anything regarding a sum of notice in arrears at the time as far as I am aware. - What criteria do they need to send the notices of sum in arrears? I have read on line that many of the top institutions failed to do this but could not get any real details. - Does this apply to credit cards and unsecured loans? - Can I do anything to chase this with them or is it a case of wait and see? I have found the odd article on this on line but am struggling to see if I have a case and if so what I need to do. I have rung Natwest and LLoyds and also went into the branch - but all useless and they had no information on NOSIA refunds or investigations. Anyway - it would be fantastic if anyone out there can help me on this. Many thanks and appreciation in advance Charles

Hi all Looking for some quick advice on a court claim from Lowell dated 5th Feb who have a Lloyds overdraft debt sold to them in 2015 although it was around 2013 that Lloyds kept adding more and more charges and fees etc. The POC is as follows : Author Document Debt assigned on 24/11/15 by Lloyds banking group PLC and the claimant claims 1. 3595.98 2.Statutory interest persuant to section 69 of the county courts act ( 1984) at a rate of 8% per annum from 24/11/2015 to 02/02/18 287.68 and thereafter at a daily rate of 0.79 to date of judgement or sooner payment Ref ****************** ( there ref number here ) I will be defending fully but was thinking of using CPR31.14 but the claim does not mention any documentation. Also is it worth sending a SAR request today to help my defence. As stated I know there are multiple charges on the account, I also do not recall receiving and NOA or documents asking me to bring the account up to date in a set timescale. Also as a side not I am currently self employed under contract work until the end of Feb so if it does go to court can I still receive a CCJ for being self employed or possibly unemployed if I do not get any contract work in the coming months .. Thanks...

I have a statute-barred loan originally from Lloyds which was sold to various debt collection agencies over the years. Today I received a letter from Capquest informing me that they are paying a refund from Lloyds into this loan account. They say: "Your Notice of Sums in Arrears, or NOSIA, should have been dated 1/2/2008 and you should have received it by 14/12/2008, so we're including a corrected NOSIA with this letter and refunding you £69. This amount covers the period between 15/12/2008 and 01/02/2018." My questions are, can they do this? Does this mean the loan will become active again? What can I do? Any help most appreciated, hank you.

Hi I had a current account with Lloyds, opened 2002. I stopped servicing this account in 2015, with an overdraft of £1,900. The account was assigned to Cabot 9 months ago. When I was notified of this assignment I wrote to Cabot to verify that they had the rights of the account and were in a position to request payment. I requested from Cabot copies of the original agreement I would have signed when it was set up, the terms and conditions, a full statement of the account, the notice of assignment and the default notice. After a long wait they have written back stating: "we contacted Lloyds for further information. Unfortunately, they have been unable to provide a copy of the agreement as when your account was opened, they were not obligated to retain this information" they include a few statements from 2014 to present there was no default notice they included a copy of the assignment notice Without the original agreement and terms how am I able to proceed , I would like to determine the charges applied etc and understand the terms Can I request the statements from day one of the account, or should I SAR Lloyds? I don't recall receiving a default notice, so I would like to see a copy of this too. What is the best form of reply here? Cabot end their letter: "I believe the evidence provided verifies the outstanding balance. " does it? Thanks

This goes way over my head, I have had a long painful complaint with Lloyds and do not want to bore you to death so will bullet point the occurences: Mortgage taken out as first time buyers 1996 conveyancing solicitor did not perform completion and contracts signed over a receptionist desk no solicitor present. transpires we purchased a property that did not reflect what was explained on the estate agents property description. Lloyds wrote to me in 2003 and advised that the property was not registered with the Land Registry, they advised they would sort out and appointed a solicitor. 2012 I lost my job and later on that year my wife passed away. I was sold a policy that covered "every eventuality" told the advisor I did not want it but he advised "it comes with the mortgage" (subtle) contacted Lloyds 10/2012 to make a claim on the policy. was told they could not locate account and I would have to write to the Cheltenham & Gloucester to recover account they ignored my first letter, sent a second letter this time recorded and copied in the first No response sent a third letter recorded copied all in again still no response. Six months had gone by I stopped my mortgage payment and behold they contacted me, the telephone number was the original office who could not locate my account was advised that the account was there and there was protection on it. I asked to make a claim they intimated I might not be covered but said they would send a booklet out on how to may a claim. No booklet was ever received, Wrote and complained again and transpires I was not covered for these eventualities! Complained about being miss-sold protection, was advised after investigation they sold it fairly. I kept on at them and they then said ok we miss-sold it. they offered full refund of 16 years worth of instalment + 8% interest. told them I wanted what I was told was covered for ("every eventuality") and they should write off the mortgage. They said no. I kept on at them but was getting no where. they failed to respond to a 21 point complaint letter only explaining themselves on 4 of the points and told me to take it to the FOS. In sept 2015 although I kept on at them it was clear they were not interested in responding to the complaint I wrote a letter of an offer to reinstate mortgage payment, they ignored it. The legal letters started coming as I had not made any payment since april 2013. ( why did they not get a possession order) I kept on writing asking why they were ignoring my offer, for months. In the end I called the collections office and said I would not lose the property asked them to give me a monthly figure to pay. This was twice the original mortgage payment I decided on selling the property as I felt their next move may well be possession order and a fire sale. I received an offer on the property, a third below the asking price but accepted it as I felt I would make more than a fire sale would give back. After months of solicitors work the buyer pulled out as there was no tittle on the gardens. My solicitor suggested getting a possessory tittle on the gardens as it appeared the deeds were lost by the solicitors. I have written to Lloyds and again complained as they had instructed a solicitor to carry out the registration who clearly failed and I was left with a solicitors invoice and no sale. They have come back to me and offered to register the gardens and to offer a £500 compensation for this error. I asked what tittle would be achieved the person was not sure as diff. dept. I explained possessory/absolute, as possessory would still take value off the property. She said they had the deeds so there should not be an issue. This was annoying as my solicitor wrote to them October last year and asked if they had the deeds, they never responded. my question is what was holding them back from a possession order and any advice on how to respond to this offer they have made, as I requested the mortgage be made void due to years of issues. you would not believe the amount of failings I have left out but its already a small book. sorry for that

Hi there, first post time and I'm hoping someone with way more knowledge than me might be able to help. I've a Lloyds loan from 2008 that was sold to Cabot they say I still owe £12k on I was making payments towards until April'17 I contacted Cabot for my CCA, waited 40 days then stopped payment, now just a few days ago they have sent me a reconstituted version which they say complies along with various copies of payments made to Lloyds and Cabot themselves. I've attached the CCA they sent me. All signitures and addresses are correct and the debt in no longer showing on my credit file, but I've no idea about the rest of it Can someone who knows about these reconstituted CCA's please take a look and let me know your thoughts as whether this is valid please and what migh optiosn might be? Last part of attachments Sorry, I've compiled them into one pdf an attached here. CCA-Recon.pdf