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Credit card Debit despute.Help needed please.
Dear all,
I would be greatful for your advice regarding my ongoing dispute, I had a county claim April 2014 (Lioyds TSB credit card since 1992).account closed 2006 due to severe finincilal crisis,unemplyoment. recently had CCJ in default Oct 2014demanding payment within 14 days. Applied for set aside judgment to gather the facts and defend my self.
In summery:
1. In the year 20006 and due to my severe financial difficulties and unemployment of both myself and my husband, I entered into Debt Management Plan and agreed with the bank to pay the amount of £42.00 a month for a period of Six months to be reviewed afterward. (I do have the original correspondence). No contact with the bank since then.
2. As my difficulties got more severe, I stopped my payments after that period, and then I kept continuously receiving demands for payment from different debt collection agencies and solicitors. I don't recall receiving a default notice for this debt.
3. In an attempt to find a way to solve the problem, I demanded my SAR from the bank in June 2013 and from the papers I received I noticed the following:
Which I don't recall making.
the Debt was sold to Marlin recently who issuued the CCj.
I am in areal strees and needs help to defend my self.
the debit has swollen to£ 21,000 !!!!
Kind Regards
I would be greatful for your advice regarding my ongoing dispute, I had a county claim April 2014 (Lioyds TSB credit card since 1992).account closed 2006 due to severe finincilal crisis,unemplyoment. recently had CCJ in default Oct 2014demanding payment within 14 days. Applied for set aside judgment to gather the facts and defend my self.
In summery:
1. In the year 20006 and due to my severe financial difficulties and unemployment of both myself and my husband, I entered into Debt Management Plan and agreed with the bank to pay the amount of £42.00 a month for a period of Six months to be reviewed afterward. (I do have the original correspondence). No contact with the bank since then.
2. As my difficulties got more severe, I stopped my payments after that period, and then I kept continuously receiving demands for payment from different debt collection agencies and solicitors. I don't recall receiving a default notice for this debt.
3. In an attempt to find a way to solve the problem, I demanded my SAR from the bank in June 2013 and from the papers I received I noticed the following:
- The bank mentioned that they cannot locate a copy of the signed agreement, CCA.
- Did not enclose a copy of the default notice. But there was date of DN in their records dated 21/08/2008, Which I havnt recieved.
- Listed a series of payment they alleged that I have been paying till April 2010.
Which I don't recall making.
the Debt was sold to Marlin recently who issuued the CCj.
I am in areal strees and needs help to defend my self.
the debit has swollen to£ 21,000 !!!!
Kind Regards
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