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

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.

Hello all, Long time lurker, first time poster. The wisdom and knowledge of this forum has gave me the confidence to ignore all previous calls/threats but this latest letter is something new, that I haven't seen listed before, so feeling a little anxious. ARC have taken over my QQ account after QQ failed to accept my monthly standing order payments and insisted on a DD only (we all know why). I have since moved to another bank and get my wages paid into that new account. The old account still exists. I received this letter this morning. ARC have been phoning me 3-4 times a day but I have blacklisted all their numbers and it goes straight to voicemail. Any advice welcome. I have not sent the 3 letters, choosing to ignore all correspondence instead. Thankyou Kev

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

Starting from 2nd Nov, Lloyds are changing their overdraft fees and rates. There will be no charge for unauthorised overdrafts, as I understand it, but their rates will be charged at 1p for every £7 you are overdrawn, everyday. I will be switching banks, so it won't bother me. However, today I worked out the EAR that the new rates would be equivalent to. If x is your current overdraft, after 1 day you will be charged (x/7)×0.01=x/700. So your overdrawn balance will be x+x/700 after one day, assuming you spend nothing else. Factorize the x out, and this is the same as x(1+1/700). After 365 days that will be x(1+1/700)^365 = 1.68x. Therefore, the effective percentage increase over the year is 100*(1.68x-x)/x=100*0.68=68%!!!!!! Have I made a mistake? That is an obscene rate of interest!!! They say in the literature they sent me that this is to make it easier to understand the charges and control your overdraft, which I find extremely disingenuous. I would argue that it is nothing more than a greedy, profiteering, cynical ploy to profit from people, many of whom (including me) may already be struggling to keep their overdraft under control, and may not realize exactly how much more it will cost them. Moreover, I have not seen anywhere in their literature a statement of the EAR or APR. I even phoned them this afternoon and asked what the EAR of the new charges is, and she could not give a figure. They may be calculating their rates daily, but it does not mean the EAR cannot be calculated, as I have done above. I'm not sure about this, so maybe someone who is well versed in credit law can clarify, but I think that may even be illegal from the quick research I did. I think it is a requirement that lenders provide a percentage EAR or APR rate so that consumers can make meaningful comparisons between lenders. Is this correct? If so, can you give a reference to the appropriate piece of legislation? Apart from my specific questions about the legality of this, I just wanted to warn people. I'm surprised it hasn't been mentioned yet.

Over the last 3/4 years I've had a joint loan with Lloyds. During this time we missed a few payments and they continued to take them and make our bank account very overdrawn, then when it went so overdrawn they stopped taking payments and took monthly bank charges. 12 months ago we managed to come to an arrangement with them, but this is no longer sustainable. The other day we received a new loan offer with a higher APR/interest rate, I called them and declined to transfer the loan over. Today we received a letter confirming they will continue to accept a 'concession' payment of nearly 200 pounds per month (we have been paying this since March 2011 and it is the same monthly amount of the original loan). For one, I never even spoke about the payment arrangement of the existing loan. We have managed to pay the bank charges and have now closed our Lloyds account. We are now going to be struggling to make the payments on the loan and we didnt want them dipping into the account again making matters worse. What is the process for collection from Lloyds and will we be taken to Court? Any advice please.

Help please. I have received a CCJ claim pack from Rentons solicitors in regards to a apparant debt linked to a overdraft I have no knowledge of. I have answered the default questions below. Can someone please offer advice / assistance on what I should do now please. I have completed the Acknowledgment of service on the money claim website so the clock is ticking now. Please help Name of the Claimant ? - Restons / Arrow Global re: Lloyds bank overdraft Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. Date of issue : 04/04/2017 What is the claim for – the reason they have issued the claim? - The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Lloyds TSB dated on or about Dec 30 1994 and assigned to the Claimant on Nov 20 2013 PARTICULARS a/c no xxxxxxxxxxxxx DATE 10/02/2017 ITEM - Default Balance VALUE - 4500 Post Refrl Cr - NIL TOTAL - 4500 What is the value of the claim? £4500 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? - Appears to be a overdraft for a account I have not used since 2011. When did you enter into the original agreement before or after 2007? Yes - appears to be Dec 30 1994 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Appears to be debt purchaser - Arrow Global Limited. Were you aware the account had been assigned – did you receive a Notice of Assignment? No - I have not received any documentation in regards to the debt - didn't know it existed before receiving the CCJ claim pack as I was working out of the country since February 2011 Did you receive a Default Notice from the original creditor? No - Left the country in 2011 so have received no communication from Lloys of anyone in regards to this debt. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - As above - Nothing received. Why did you cease payments? - Left the country - left account open but was completely unaware of any outstanding overdraft. What was the date of your last payment? - Nothing paid into account or account even used since Feb 2011 Was there a dispute with the original creditor that remains unresolved? No dispute. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan - No communication at all ever had. What you need to do now. If you have not already done so – send a CCA request to the claimant for a copy of your agreement (except for Overdraft/ Mobile/Telephone accounts) - This appears to be for a overdraft - shall I still send CCA ? Thanks in advance for any advice guidance given.

I'm doing this on behalf of my other half (she's not on here) and if you have to move feel free Now I don't know the exact history of the account but her brother had a credit card (at least I think it was) Lowell have constantly been on the phone to them telephone harrassment bla bla the usual drill their solicitors (the so called solicitors) sent a letter apparently saying they we're going to go for a CCJ (but not sure if that's just a theratogram) the few other problems the person getting harrassed by them does have special needs (which won't be curable obviously) my other half went to the bank today and did find out that the account was closed on lloyd's end May 2012 so the last payment was god knows when also she said (I not sure) she said she signed a waiver last week apparently adknowledging the debt (which at the moment stands at 2376.32) The family don't have a lot of money so they would not be able to offer lowell a great deal per month (the account was sold on to them and lloyd's not taking anything to do with it)

Hi all : a while since I posted. Had rejected PPI claim from LLoyds TSB : upheld by Ombudsman. However since the Plevin case , in the last few days Ive had a letter from the Ombudsman saying Lloyds are now ready to make me an offer and if the Ombudsman don't hear from me by 12th December they will assume this is ok and close the case. I realise it won't be much but never the less its better than nothing as I had given up on it to be honest. Let's wait and see... thanks

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

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

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.

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 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

Hello. Last week out of the blue i got a letter from Arrows saying i will get a credit card refund due to Lloyds not sending NOSIA in 2010. They have also enclosed a DN It shows a balance and payment received but no payments have been paid at all since that date. As the "refund" has been paid into the Arrow account does that now mean as no money was paid off the debt in 7 years the refund now starts the 6 year rule? It says as the account is in arrears i will have to pay by the end of the year if not then debt collectors will be sent to me. Is this a fishing exercise or a new tactic by these firms?

Have had a letter today from LLoyds Bank regarding my PPI complaint on TWO TSB cards held in the late 1990s. They have rejected the mis-selling of PPI but have made a payment into my bank regarding the commission - a total of £500 However after the breakdown of each card it says total payment is £503 but after that there is a total of appendix i and ii where it says over £6,000 is the amount you will receive for both cards. I dont know where that figure has come from but if they say its what I will receive do I pursue them for it or could they turn round say its a mistake and not pay it

Hi there I have today received court papers for possession of our home and really need some help. A brief outline of the story so far : In 2011 took out a business loan for £143K (£12K of which was an EFG loan) secured on residential property. Business closed in 2012. Lots of issues with Lloyds including the fact they claimed back the EFG and also have tried to claim it back from me. Repossessed the commercial property which was the 1st charge and as a result of 'fire sale' was left with a short fall of £100K which they are now claiming against the house. Statements sent have been incorrect i.e. saying we owe more than we do etc, etc There are too many issues to list but subsequently we have been fighting this for five years. However, received the papers and just want to check a few things as never been through this before. A set of papers have been sent to both me and my partner who is on the joint mortage. There is a defence form (N11M). Do we both fill one of these in ? The information will be the same as it is about income/expenditure etc. Do we send this form back to the court prior to the date of the hearing ? I assume we do otherwise the court will not be aware of the issues we have had. Also, can we add additional pages to the document as the space provided to fill in with information is very small. The times for the hearing are different for me and my partner. I'm in at 12.00 and she's in at 12.20. I pressume we go in together as it is a joint mortgage. So I am a bit confused by this. Also, the paperwork submitted by Lloyds says "this mortgage is of an all monies nature" which I was unaware of. I have also read on various threads that this is a big problem and courts are powerless when it comes to negotiating any repayment. If anyone can help answer any of these questions I would be most grateful.

Hi, I've not been on this site for a while!. Does anyone have any experience with the PRA Group? I have a balance of £1297.80 from an old overdraft with Halifax/Lloyds TSB. The original default notice from the Halifax was 17/8/2011. I have been paying the PRA Group £5 per month as a token payment. PAR Group have now offered a measly 10% discount in full and final settlement. I've recently come to an agreement with another DCA and that was nearly 50% discounted . In the past I have offered to pay 30% of the debt to PRA Group but they have declined. The debt has been passed from pillar to post so they probably have paid peanuts for it. Just wondered if anyone can offer any suggestions as to how to tackle them?

Just had a letter from Lloyds regarding my loan. Now bear in mind I have been in touch regarding this and they refused token payment/syop interest and charges etc. Anyway this letter arrived this morning By the way the account no. on the letter is my current account. Now a couple of questions that someone may be able to answer. As there is no Direct Debit set up (I cancelled it) for my loan on this account why are they adding charges to it ? I downgraded the account and cancelled all overdraught facilities on yhe account, so will they just take it into the red ? Finally, as I don't use this account for anything at all should I close it, or will they refuse due to me having a loan outstanding ? Any other advice welcomed. Pete.

I left lloyds in June 2017, I was made aware that I may not receive my bonus and expected not to. I however did get paid my bonus for 2016 which I worked in full, worked my notice period in 2017 and thankfully left the bank. No one mentioned about this being paid back. Over 2 months after I left I then started receiving letters explaining I now had to pay back my bonus and that lloyds had paid it in error. Am I legally bound to pay it back seeing as they have paid it in error. As it's taken them 2 months to let me know I have now spent the money and am therefore not able to pay it back. Any advice would be greatly appreciated!

need help have had 4 letters from capquest got this one today, threatening door stop call id I do not pay up and the man from scotcall will itemise what I have to cover the debt is I don't pay up. this account has been passed around about 7 different collection agencies and everytime it was passed back to Lloyds I have attached a copy of the letter and would be grateful if somebody could look at it for and advise me what to do I was going to send a cca request but not sure

Lloyds Banking Group is to repay nearly £300m to about 600,000 customers over failings in the way it applied mortgage arrears policies, in the latest scandal to hit the UK’s biggest high street lender. Sky News has learnt that Lloyds will unveil a customer contact and remediation programme on Thursday alongside half-year results that will also be blighted by a bigger-than-expected provision for mis-selling payment protection insurance (PPI). Sources said that the redress scheme would cost Lloyds just under £300m, with more than £50m also set aside to cover administrative costs. The issue is understood to centre on the way Lloyds applied policies relating to financial difficulty assessments, leading to some customers being charged in error between 2009 and 2016. https://uk.news.yahoo.com/lloyds-repay-300m-customers-over-mortgage-arrears-errors-173400189.html

Has anyone experienced glitches in the functionality of these, whereby previous lists pre-populate new ones and the only solution is to log out and start again? Very difficult to explain to online help desk!

Dear All, I've read numerous threads on here of people in a similar situation, and everyone seems to know exactly what to do. Me? Nope, I've turned to jelly and don't know what to do. I received a County Court form on Friday. I've detailed more below: Name of the Claimant ? Hoist Portfolio Holdings 2 Ltd Date of issue – 30th August 2016 Date of issue - 30th August 2016 Date to acknowledge by - 19th September 2016 Date to submit defence - 30th September 2016 What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £419.13 in respect of monies owing pursuant to an overdraft facility under account number XXXXXX XXXXXXXX The debt was legally assigned by MKDP LLP (Ex Lloyds Banking Group) to the claimant and notice has been served. The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account. The claimant claims 1. The sum of £419.13 2. Interest pursuant to s69 of the county court Act 1984 at a rate of 8.00 percent from the 18/05/2012 to the date hereof 1559 is the sum of £143.27 3. Future interest accruing at the daily rate of £ .09 4. Costs What is the value of the claim? £692.40 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Overdraft When did you enter into the original agreement before or after 2007? After 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to MKDP LLC originally, who seems to have then sold it on to Hoist Portfolio Holdings 2 Ltd Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, from Lloyds to MKDP LLC, not to Hoist. Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure, I don’t think so Why did you cease payments? At the time numerous Payday lenders were raiding the account, I requested help from Lloyds TSB (verbally), they refused to help, I abandoned the account beginning 2011, charges from payday lenders' activities causing bank account to go overdrawn started to rise. (If I recall correctly, by overdraft limit was £100). Lloyds TSB started chasing me on phone, I complained that I had requested help, that the amount was purely bank charges - Lloyds TSB not interested, just wanted payment. What was the date of your last payment? Approximately June 2011. Was there a dispute with the original creditor that remains unresolved? Yes, a verbal one though. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No plan entered into with them. Had spoken to them on the phone, they were not interested, just wanted payment for the overdrawn fees. My bank account was being raided, I changed banks as Lloyds TSB were refusing to stop the payday lenders from raiding the account, everytime a payday lender would raid it, it would go over limit, then Lloyds TSB refunded the payment, added their overdrawn charge on it, pushing it back overdrawn, then they'd add more interest and more overdrawn fees. I really don't know what to do here now. I'm about 11 months away from having all traces of payday lenders off my credit file, 13 months away from my last default falling off. I can really do with not having a CCJ on my hands. It makes me so sad/angry how after all these years, payday lenders have come back to bite me in the behind. So, I have a few options if I wanted to pay them: 1. I'm getting my annual bonus at the end of September. I could pay them (Would it be for the total of £692.40?) This would result in no CCJ. 2. Perhaps a Tomlin order? How would I request this? 3. Defend? I don't really have anything to defend do I? 4. Option 4? Is there one? I'm going to be reading even more on the forum, but I'm lost. I'd really appreciate some advice/help.