DLC -Lloydstsb

[datxman]

Ha Ha dont worry Neither can I, I had to use a calculator

[BRIGADIER2JCS]

So no confusion on account numbers then?

 

SAR to the bank to find out about the accounts, if you remember only having one, many people have different accounts with the same bank I have 3 .

[datxman]

Hi There,

 

I have received a letter from DLC stating that I owe them money for a debt with Lloydstsb bank.

 

I haven't used the account for over 6 years

however on my credit file it says I defaulted in 2008,

I asked for proof of debt and was sent some information which showed charges for having the account and overdraft charges.

 

No payments in or out, in fact one of the charges was for £165 for an unplanned overdraft fee.

 

The statement they sent me date back to oct 2007.

 

I believe this debt is fictional and if it was true then I believe it would be statute barred.

 

Can anyone shed some light on this for me, and suggest what I should do next.

 

Regards

 

Datxman

[BRIGADIER2JCS]

Hi I think you need to make a SAR to the bank to get all the data they hold on this account.

 

Did you actually go into the overdraft? Above the limit?

 

Probably charges have accrued over the years

 

Default in 2008 would indicate the cause of action being usually 5 possibly 6 months prior to the actual default date., so March/ April 2008 approx.

 

Possibly stat barred earl next year.

 

Only the SAR will clarify this I think.

[datxman]

I have not had any default notice, If I do SAR on the bank, once I have the information what am I looking for ?

[BRIGADIER2JCS]

I have not had any default notice, If I do SAR on the bank, once I have the information what am I looking for ?

Default notices are not archived as hard copy, a creditor annotates the customers file that a DN was sent on a specific date and can rely on this evidence.

 

Yes the SAR should show when the DN was sent.

[dx100uk]

you need to know YOUR last financial use

in or out of the account.

 

dx

[datxman]

Hi There,

 

I have received a letter from DLC stating that I owe them money for a debt with Lloydstsb bank.

 

I haven't used the account for over 6 years

however on my credit file it says I defaulted in 2008,

I asked for proof of debt and was sent some information which showed charges for having the account and overdraft charges.

 

No payments in or out, in fact one of the charges was for £165 for an unplanned overdraft fee.

 

The statement they sent me date back to oct 2007.

 

I believe this debt is fictional and if it was true then I believe it would be statute barred.

 

Can anyone shed some light on this for me, and suggest what I should do next.

 

Regards

 

Datxman

 

I have no firm evidence however I believe it to be around April 2007 any money moved in or out of the account

[dx100uk]

have a look on noddle

they often have good archive info

 

dx

[datxman]

Hi All,

 

I have been getting letters from Hillesden securities saying that they are chasing a debt from Lloyds.

I asked for proof of debt and they sent me statements from lloyds.

 

The statements showed no payments being made just charges for being overdrawn.

 

The account was put in default in March 2008 however I was unaware of this default.

 

I have not acknowledge the debt and I have not made any payments to them for over six years.

It does not show on my credit file.

 

They have now sent the account to a DCA which is MBA, what should I do?

Edited May 3, 2014 by datxman
additional information

[dx100uk]

if the default is mar 2008 [ how do you know?]

 

theniits SB'd

 

dx

[datxman]

if the default is mar 2008 [ how do you know?]

 

theniits SB'd

 

dx

 

It was in their letter when they replied to my proof of debt letter

[dx100uk]

silly beggars

 

then write back thanking then for the statements

that prove no payments have been made for +6yrs

and that this is confirmed by the defaulted date

 

thus the debt is statute barred.

 

the matter is now closed.

 

dx