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Hi guys new to this site but looks really helpful. Here's my problem I have been defaulted on my credit report by llyods tsb therefor can't get any credit. I had an overdraft with them in 2005 but moved house and banks, the overdraft limit was £200 and when I changed banks I was about £80 into he overdraft, stupidly I left this open and its built up through interest and charges over the years. I haven't acknowledged or paid anything to llyods since may 2005. Last year I got letters and phone calls from several different debt collectors and have ignored them all. Anyway lloyds defaulted me in November 2010 more than five years after any contact, this is causing me huge problems as getting turned down for any credit despite being debt free. How do I get lloyds to take this default for £312 off my credit file? Any thoughts or ideas on this much appreciated.
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Re: Llyods overdraft debt help?
Well they sure won't volunteer to remove it!
Lloyds shouldn't have defaulted you five years after the debt was created. There should have followed a few months of attempts to contact you, then default you. Four months is recognised as the accepted timeframe.
First step is to send Lloyds a Subject Access Request under the Data Protection Act. We have a template somewhere, shout if you need help finding it.
We need to find out what happened between 2005 and 2010.
The debt itself is possibly statute barred under the Limitation Act. ARE YOU SURE YOU WALKED AWAY FROM IT IN 2005, not 2006??
However, registering a default is not deemed 'enforcement', so technically the default itself is correct but it's the timescale that raises the issues here and could open up a pathway to challenging the default."Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012
)
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Re: Llyods overdraft debt help?
http://www.legalbeagles.info/forums/...ur-information
Subject Access Request (SAR) templates"Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012)
I am proud to have co-founded LegalBeagles in 2007
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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Re: Llyods overdraft debt help?
Thanks Celestine. Yeah I have paperwork proving no payment on account since 17th may 2005. Several debt companies have offered 50% off if I pay the latest being a company called westcott. What does an SAR mean or do? Sorry I have no knowledge on these subjects. I have a good credit record apart from this one thing and its really affecting us.Comment
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Re: Llyods overdraft debt help?
Forgot to say I live in Scotland so this debt was stattue barred in may 2010 but was only defaulted by lloyds in November 2010?Comment
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Re: Llyods overdraft debt help?
A subject access request is a letter you send bank to force them to send ALL data they hold on you. You have to pay a £10 fee.
It should reveal all letters sent, default notices and of course statements."Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012)
I am proud to have co-founded LegalBeagles in 2007
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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Re: Llyods overdraft debt help?
I have all account statements as I made debt company prove debt was mine and they sent me them proving it was indeed stattue barred. Ok will send off SAR letter with £10 postal order and see what they come up with. Do I just send it to my local bank? Once again thanks for the help CelestineComment
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Re: Llyods overdraft debt help?
You will need to send the Subject Access Request to Lloyds Data Controller Address which is:
25 GRESHAM STREET
LONDON
EC2V 7HN
SEND RECORDED DELIVERY
Provide the relevant account number/s
They have 40 days to respond.
In the meantime, I suggest a very strongly worded letter demanding an explanation for this behaviour.
Ignore Wescott et al, we don't know yet whether they formally 'own' the debt or not; but irregardless of the default, the debt itself IS statute barred and is unenforceable. So they can basically take a long walk off a short pier.
Do you want help with a letter?
I've just spent 2 years suing Lloyds for a very similar situation, Judgment is due within hours, so I may be back smiling or weeping! Regardless of the result in that case, you are protected from such behaviour by legislation such as the Data Protection Act s.13.
What so far has this default cost you? In terms of rejected credit applications etc?
"Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012)
I am proud to have co-founded LegalBeagles in 2007
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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Re: Llyods overdraft debt help?
Yeah some help would be much appreciated Celestine thanks. In terms of money who knows how much this has cost me but I have tried to get several car loans credit card and different mortgage which have all been declined because of this default, also the stress on family life as my wife can't get any credit because we are linked at same address its a nightmare.Comment
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Re: Llyods overdraft debt help?
OK, well draw up a list of the various attempts to get credit and a little summary of what impact each decline has had.
e.g. forced you to use sub prime finance, higher interest rates, loss of opportunity etc
If you prefer, PM me this list and I'll do a letter for you."Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012)
I am proud to have co-founded LegalBeagles in 2007
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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Re: Llyods overdraft debt help?
Tried tesco finance car loan rejected for default oct 2012.
Argos credit card rejected
Not much else to be honest as I realised there was no point in applying for credit. The impact hasn't been huge so far as my mortgage has moved onto standard variable rate however if interest rates rise I could be in a difficult position and since this default will remain till nearly 2017 it's a worry.Comment
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Re: Llyods overdraft debt help?
OK, no worries, that'll do for starters.
Got to go pick up kids, will look again after supper and do a letter."Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012)
I am proud to have co-founded LegalBeagles in 2007
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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Re: Llyods overdraft debt help?
Thanks Celestine been a great help I'm determined to get this sorted!Comment
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Re: Llyods overdraft debt help?
I'm afraid you'll need to be against Lloyds....they are in legal parlance...absolute gits to deal with!"Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012)
I am proud to have co-founded LegalBeagles in 2007
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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Re: Llyods overdraft debt help?
Well I'm not going away I feel I have a good case for wrongful entry on my credit file and this default was 100% placed on my credit file after it became stattue barred so if it takes months and lots of letters then I'm prepared to give it a good go. Hopefully you can point me in the right direction of action to take seeing as you have been dealing with something similar.Comment
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