I have a friend who emailed me this. Its not my area of expertise being bank charges/renting somewhere.....
"I had this Lloyds TSB account which I stopped using 7 years ago with £0 balance (so I owed them nothing). I should have closed the account but I needed it for a while whilst I changed over at the time to the equally evil HSBC. So I then didn't close it down (which I should have done but I forgot about it).
"Anyway last month I had a letter from a debt collection agency saying that I owed them £155, and the debt had been passed on from Lloyds. So I phoned them and said "you'll have to try harder than that sonny jim - where is your evidence'? So they put it on hold to get some. They came back with Lloyds bank statements saying that a derict debit of £25 went out in 2010, and continued every month until my overdraft ran out (which was only £60) and then they charged me £100 for going over my overdraft limit and then passed it on to the debt ****ers. Well I certainly did not authorise this direct debit (I have not used the account in over 7 years), so this is clearly a case of identity fraud.
"I know that I should have closed the account or at least updated my address etc. so they could contact me about it, but I did not authorise this spending. I'm going to phone them again tonight to try and sort this **** out, but I'm worried that I might not be able to get it sorted.
"The other ****er about it, is that I will be moving into a nice flat. But today I've got to sign the disclaimer and it says 'Do you have any dodgy credit history'? Well for years I did, but for the last 5 years I've been totally clean, but now just as I'm moving in I get this **** from Lloyds. So I really need it sorting as you can imagine.
"Do you think I should mention it on the disclaimer, or should I not as this would be an admission of guilt, and as I am not guilty of this because it's fraud, why should I have to mention it?"
"I had this Lloyds TSB account which I stopped using 7 years ago with £0 balance (so I owed them nothing). I should have closed the account but I needed it for a while whilst I changed over at the time to the equally evil HSBC. So I then didn't close it down (which I should have done but I forgot about it).
"Anyway last month I had a letter from a debt collection agency saying that I owed them £155, and the debt had been passed on from Lloyds. So I phoned them and said "you'll have to try harder than that sonny jim - where is your evidence'? So they put it on hold to get some. They came back with Lloyds bank statements saying that a derict debit of £25 went out in 2010, and continued every month until my overdraft ran out (which was only £60) and then they charged me £100 for going over my overdraft limit and then passed it on to the debt ****ers. Well I certainly did not authorise this direct debit (I have not used the account in over 7 years), so this is clearly a case of identity fraud.
"I know that I should have closed the account or at least updated my address etc. so they could contact me about it, but I did not authorise this spending. I'm going to phone them again tonight to try and sort this **** out, but I'm worried that I might not be able to get it sorted.
"The other ****er about it, is that I will be moving into a nice flat. But today I've got to sign the disclaimer and it says 'Do you have any dodgy credit history'? Well for years I did, but for the last 5 years I've been totally clean, but now just as I'm moving in I get this **** from Lloyds. So I really need it sorting as you can imagine.
"Do you think I should mention it on the disclaimer, or should I not as this would be an admission of guilt, and as I am not guilty of this because it's fraud, why should I have to mention it?"
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