Stepdaughter vs DCA & Bank + lots of charges

[5bellies]

Hi,

I wonder if anyone can assist me,

I am now at the end of my knowledge.

 

 

My stepdaughter had a bank account with lloyds-tsb and around December 2007 got into a little muddle.

 

The upshot being the account went overdrawn and they slapped what looks like £100+ per month in charges on (Some months they are £270.

 

From what I can see is in the month of Feb 08 she starts the month 8.57 OD after the charges she is £-140.79. This just then spirals.

 

For some reason after that all activity stops

apart from the odd charge,

and then they keep one Direct Debit running to "LoansDirect"

this of course bounces as she isn't working at this point so no money is going in.

 

She was for a little while paying a monthly amount,

but the debt was still going up rather than down so she stopped paying it.

 

Fast Foward to now and we have what is in all fairness a debt of charges.

 

Is there any way I can pursue this to have some or all of the charges refunded to the account,

which would leave probably a reasonably managble debt.

 

She isn't disputing the fact that she owes money, but more the fact that at least 80% is charges.

 

I have done an SAR and have what can only be described as a forest of paperwork. I have a list of transactions as well.

 

Any advice on how to proceed?

[dx100uk]

they'll never go near a court with this

 

what does her CRA file say?

 

it cant be

1. too far away from being statute barred

 

&

2, probably not that far away from 6yrs from the defaulted date?

 

dx

[dx100uk]

and who is the DCa please

 

dx

[5bellies]

DCA is Credit security Ltd

 

Looking at the statement last payment into the account was £20 Feb 2010 and in Oct 2010 it was transferred to CDR (Consumer Debt Recovery)

 

Where in the SAR will I find the default letter - or do I need to read through it all?

[dx100uk]

they only have to show the system 'sent' one

not send you a copy.

 

got that CRa file yet?

 

dx

[5bellies]

Will get her to set up noddle later today.

 

cheers