Lloyds credit Card debt now with Wescott

[dx100uk]

whom are wetcloths client please

[dx100uk]

as the card is still owed by the OC, and as you've seen, they usually are able to comply, then its enforceable.

so no don't cease payment.

 

however get an SAR running.

[dx100uk]

you should have been reading up on charges reclaiming in the down time.

 

 

CISHEET

enter every charge on the date it was levied

put their avg int rate in D15.

 

 

 

[dx100uk]

CPP was an annual card protection policy administered  by a sep company ..not levied by the original creditor.

your claim was against CPP but you are now out of time I suspect.

 

https://www.consumeractiongroup.co.uk/forum/260-cpp-group-plc/

 

 

[dx100uk]

Nope ppi only

Claim from date 1st ppi

if the card is still active there is no claim to date

[dx100uk]

so was this annual CPP or you did find monthly PPI charges?

[dx100uk]

not been passed, read the letters properly, it's been SOLD.

 

2 entries are quite normal and as long as the fleecers dont change the OC's registered defaulted date, its not double harming your score as its the same debt.

 

yours is not the next move.

 

were you still paying anyone?

 

[dx100uk]

yours is not the next move as long as the address link have from lloyds is your correct and current one.

don't move without informing your creditors in writing

protect against backdoor CCJ's

 

dx

 

[dx100uk]

No it vanishes totally.

 

Give it another month