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Hi all,
Any advice and help you can give me would be gratefully received.
Date the claim was issued from the court - 12 Feb 2014
The full Particulars of Claim as detailed on the form:
"The Claimant's Claim is for the sum of £1192.51 being moneys due from the Defendant to the Claimant under a Current Accounts agreement regulated by the CCA 1974 between the Defendant and Lloyds TSB Bank PLC
under account reference xxxxx and assigned to the Claimant on 30/06/2013 notice of which has been given to the Defendant. The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with.
The claim also includes statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8% p.a from the date of the assignment of the agreement to the date of the issue (10/02/2014) being an amount of £49.72"
- Despite demand for payment, 14078 remains due
- The claimant claims 14368 and interest under s69 county court act 1984 and costs
The amount claimed -
Amount claimed - £1047.51
Solicitors costs - £80
Court fee - £65
Background to the debt/claim:
I grew up with an account with Lloyds TSB but decided to close down the account in September 2007 as I went back to university as a mature student and a different bank offered me a better deal. I was overdrawn at the time but well within the limit. In the closing letter, I explained that I was due to be paid on a certain date and that I would like my account to be closed down and any balance transferred to my new account (my wage bill at the time proved it would have covered it, though not by all that much). I also moved home.
Around 2 years later I received a letter from a debt collection agency advising that I owed almost £1000 to Lloyds TSB and that I was only to contact the DCA, not the bank. I sent a letter explaining that I was unaware of this debt and mentioned all I have as above. I didn't acknowledge the debt and asked for a detailed breakdown of how this amount had accrued. I heard nothing and all went quiet for a while.
Over the last 3 years or so, a number of DCAs have contacted me about this debt. I gave a similar, written response to the first one or two and heard nothing back from them, then stopped bothering as other DCAs sent letters through the door.
I don't have any old statements or correspondance to back up my story, anything that I had disappeared during another house move a couple of years ago.
I've been onto noddle and it says the account was defaulted in June 2009. It doesn't give me any further information or balances before Sept 2013. I don't recollect much from the actual time - I'd started in university, I'd just left home for the first time, I was planning a wedding and working part time and that account was something I never considered.
I will appreciate your help and advice on this matter urgently.
Eric
Any advice and help you can give me would be gratefully received.
Date the claim was issued from the court - 12 Feb 2014
The full Particulars of Claim as detailed on the form:
"The Claimant's Claim is for the sum of £1192.51 being moneys due from the Defendant to the Claimant under a Current Accounts agreement regulated by the CCA 1974 between the Defendant and Lloyds TSB Bank PLC
under account reference xxxxx and assigned to the Claimant on 30/06/2013 notice of which has been given to the Defendant. The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with.
The claim also includes statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8% p.a from the date of the assignment of the agreement to the date of the issue (10/02/2014) being an amount of £49.72"
- Despite demand for payment, 14078 remains due
- The claimant claims 14368 and interest under s69 county court act 1984 and costs
The amount claimed -
Amount claimed - £1047.51
Solicitors costs - £80
Court fee - £65
Background to the debt/claim:
I grew up with an account with Lloyds TSB but decided to close down the account in September 2007 as I went back to university as a mature student and a different bank offered me a better deal. I was overdrawn at the time but well within the limit. In the closing letter, I explained that I was due to be paid on a certain date and that I would like my account to be closed down and any balance transferred to my new account (my wage bill at the time proved it would have covered it, though not by all that much). I also moved home.
Around 2 years later I received a letter from a debt collection agency advising that I owed almost £1000 to Lloyds TSB and that I was only to contact the DCA, not the bank. I sent a letter explaining that I was unaware of this debt and mentioned all I have as above. I didn't acknowledge the debt and asked for a detailed breakdown of how this amount had accrued. I heard nothing and all went quiet for a while.
Over the last 3 years or so, a number of DCAs have contacted me about this debt. I gave a similar, written response to the first one or two and heard nothing back from them, then stopped bothering as other DCAs sent letters through the door.
I don't have any old statements or correspondance to back up my story, anything that I had disappeared during another house move a couple of years ago.
I've been onto noddle and it says the account was defaulted in June 2009. It doesn't give me any further information or balances before Sept 2013. I don't recollect much from the actual time - I'd started in university, I'd just left home for the first time, I was planning a wedding and working part time and that account was something I never considered.
I will appreciate your help and advice on this matter urgently.
Eric
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