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Lloyds overdraft


mazzy81
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Hi

I have been getting threatening letter from Lloyds bank for an overdraft i didn't take or request. I have tried to talk to them but they don't want to listen. Am so worried because this is affecting my credit file. I am worried i might be a victim of some fraudulent activities because i have been getting the same letter from Next.

 

What do i do? I have been reading through the forum, do i send a SAR or CCA. What is the difference and importance of the SAR and CCA. Am sorry if this is a silly question but i have read through the forum but i cant understand all these terms.

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I have called the bank and told them i never requested for an overdraft and i didn't know it existed until i check my credit file. They didnt want to help and am getting all these letters, the last one i got was from Credit Security Limited demanding payment now.

 

I am worried they might come and take my car which i use for my work.

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Don't worry about your car, they can't touch that.

 

Do you have statements so that you can check when and how amounts have been drawn from your account taking you into an overdraft?

 

If not, then you should sar them so can see the exact amounts and the dates on which they were drawn..

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csl are Lloyds

 

can you not look online via your banking site?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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click the main forum tab top left

 

drill down till you see the named forum of your bank/company

 

look at the yellow/red 'stickies' for the details.

 

next is a catalogue company. either shop direct or JDW

 

see the mail order forums

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

pers I use a postal order

 

that way whilst at the deskj you can get free proof of posting too.

 

1st class will do!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hi

 

I have cca lloyds about an overdraft they claimed i had which i never had from them. It is over forty days now and no statement. They replied that they see the request but am yet to see any document from them. what do i do next pls?

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I do not think there will be any agreement in respect of an overdraft - although it is my understanding that there should have been a facility letter !

 

Are they pursuing an amount they claim is owed to them ?

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I do not think there will be any agreement in respect of an overdraft - although it is my understanding that there should have been a facility letter !

 

Are they pursuing an amount they claim is owed to them ?

Absolutely correct ODs have section 5 exemption from CCA '74.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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p'haps means sar?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yep sar

 

already had a thread running

 

threads merged

 

please keep to one thread per debt.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I meant SAR. Sorry about the mix up. They are still chasing me for the overdraft i never had, now debt collectors are writing to me too. I have not heard back from Lloyds. what do i do next? I just want to know if this overdraft is existing. if i have spent . i think i should remember.

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is this on your CRA file?

 

see below

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what is the listed default date please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok its on your cra file and its default

 

so you are def sure you NEVER had this account?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...
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