LLoyds/Cabot Strange Amounts and Dates REFUND CHARGES

[Lowry1234]

This is for a Lloyds Bank Account..Wrote to them on behalf of a friend(as Im trying to settle my own account that I have no reply to!)

Default registered
10/01/2011 AMNT `£3074.
payments of £1 per month.
Checked CRA today balance is now shown at £2963, (which is more than a £1 a month) (maybe thats the difference the amount they sell the debt on.

Attached letter says £2936.
Cabot are updating CRA since April 2014 (2972.00)

Letter dates/amounts seem very confusing
No Letter from LLoyds saying they had sold DEBT to Cabot ?

I wrote to them requesting a breakdown of charges (Martin Lewis said get indivdual amounts) bank say they do not have to send this?
Surprised at LLoyds letter..seems "Hope" is their fav word!

Offered to negiotate a settlement (no reference to that in the letter)
He has a PPI dispute with Lloyds on CC that is being investiagted by FOS.

Any advice best way forward
Do they have to give a break down
How will this amount of refund show on the account if Cabot own the Debt?
Thanks

[Lowry1234]

Re: LLoyds/Cabot Strange Amounts and Dates REFUND CHARGES

See the attached doc
Wrote to bank to offer setlement and a list of charges and fees
first letter reply from bank failed to give breakdown or discuss the settlement

sent a further complaint....now they say they will refund charges...but did not advise in their first letter that a refund will be received! they also responded with a breakdown of all charges and fees applied to the account after putting pressure on them to do this.

Confirmed they have SOLD the debt....

total list 2001-2010 4168.08 all charges!

[Lowry1234]

Re: LLoyds/Cabot Strange Amounts and Dates REFUND CHARGES

Update

This is a reply to my offer of settlement ( this is my own account not to be confused with my friends account)

The charges six pages come to £4589 approx
the is standing debt is £3200.

Ive posted as i made the bank do a whole list
perhaps i should up my offer to £301.05
help!