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Hi all new here and a bit confused
quick details
old creditcard account with lloyds, taken out in 1982, when it was just TSB,
got into financial difficulties and offered them prorata payment about 2002
they closed the account (i have the letter) asked for full payment, and recorded a default with Experian, I have a 2006 copy of my report showing this.
they have sent me statements every month since and letters asking if i can increase payments, all of which have been replied to and I have not missed any payments
they then sent a letter (2009) with some form of agreement in it saying they were going to make the reduced payments legaly binding to them and i need do nothing except pay the £13 a month that I was paying to them till the payment was at the minimum payment ammount and then the account would revert to normal,
2010, statement received with letter enclosed saing the agreement had come to an end and i was to revert to normal payments, told them It was not possable and sent an I&E and new offer of payment, kept paying them £13 while I awaited reply, nothing
wrote again and got a letter saying it had been passed to recoveries,
in the mean time Lloyds kept sending statements and letters saying i was in arrears, then sent a default and then letter demanding full payment from their
solicitors
I sent for my equifax credit report in jan, and although there is no default recorded, I found they had been recording the account as AP and had registered 3 missing payments,
I have Complained and asked for an explanation for this as I think this is unfair, and asked them to remove any unfair marking on the CRA file , this was in Feb as yet I have had no reply
can anyone suggest what to do next
MissP
quick details
old creditcard account with lloyds, taken out in 1982, when it was just TSB,
got into financial difficulties and offered them prorata payment about 2002
they closed the account (i have the letter) asked for full payment, and recorded a default with Experian, I have a 2006 copy of my report showing this.
they have sent me statements every month since and letters asking if i can increase payments, all of which have been replied to and I have not missed any payments
they then sent a letter (2009) with some form of agreement in it saying they were going to make the reduced payments legaly binding to them and i need do nothing except pay the £13 a month that I was paying to them till the payment was at the minimum payment ammount and then the account would revert to normal,
2010, statement received with letter enclosed saing the agreement had come to an end and i was to revert to normal payments, told them It was not possable and sent an I&E and new offer of payment, kept paying them £13 while I awaited reply, nothing
wrote again and got a letter saying it had been passed to recoveries,
in the mean time Lloyds kept sending statements and letters saying i was in arrears, then sent a default and then letter demanding full payment from their
solicitors
I sent for my equifax credit report in jan, and although there is no default recorded, I found they had been recording the account as AP and had registered 3 missing payments,
I have Complained and asked for an explanation for this as I think this is unfair, and asked them to remove any unfair marking on the CRA file , this was in Feb as yet I have had no reply
can anyone suggest what to do next
MissP
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