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Hi all and thank you very much for your anticipated help.
My wife has had a credit card debt since 2010 when she had a claim against Lloyds for PPI and this was eventually paid in 2011 although on her behalf I still accepted that payment but argued via letter and telephone calls that these payments had caused her to incurr default charges and extra interest for going overdrawn even though at that time she did not use the card.
Although sending a number of letters and calls Lloyds rejected this and have since sold this debt onto various collectors whom have contacted her via numerous calls and letters all of which we have ignored because we do not recognise that Lloyds had dealt with this matter.
This came to a head on the 11th Feb this year when Lloyds responded to my wife saying that they had finished there investigations in Sept 2011, however they have reviewed there offer and recalculated sending a cheque for a further £185.66.
On the 16th Fed Howard Cohen Solicitors on behalf of Robinson way Ltd stating that if we did not make contact that they would issue Legal proceeding, accumulating in a CCJ from Northampton CC dated 15th March.
i feel that we have a case to defend any help would be appriciated, and do I contact Lloyds or the claimant because how can both of these be communicating with us is this legal??
Thank you. Andrew
My wife has had a credit card debt since 2010 when she had a claim against Lloyds for PPI and this was eventually paid in 2011 although on her behalf I still accepted that payment but argued via letter and telephone calls that these payments had caused her to incurr default charges and extra interest for going overdrawn even though at that time she did not use the card.
Although sending a number of letters and calls Lloyds rejected this and have since sold this debt onto various collectors whom have contacted her via numerous calls and letters all of which we have ignored because we do not recognise that Lloyds had dealt with this matter.
This came to a head on the 11th Feb this year when Lloyds responded to my wife saying that they had finished there investigations in Sept 2011, however they have reviewed there offer and recalculated sending a cheque for a further £185.66.
On the 16th Fed Howard Cohen Solicitors on behalf of Robinson way Ltd stating that if we did not make contact that they would issue Legal proceeding, accumulating in a CCJ from Northampton CC dated 15th March.
i feel that we have a case to defend any help would be appriciated, and do I contact Lloyds or the claimant because how can both of these be communicating with us is this legal??
Thank you. Andrew
