Hello,
I have got a couple of letters recently from these bunch of crooks for a current account I had with lloyds around 2008 - the default was registered in 2009 for £1250. Most of the debt was bank charges, I had split up with my partner, had a new born baby, and was barely making enough to cover my bills, hence I had to abandon my account with lloyds as each month i was incurring charges thanks to the previous months charges. I ended up on all sorts of medication and was pretty close to the edge for a while.
Anyway, I'm not sure what to do, I'm in a slightly better financial situation, although couldn't afford much for a monthly payment, i know they would want a fair bit.
I read that s.74 for a CCA doesnt apply to current accounts, I'm worried that they will send me a SD![Sad](https://legalbeagles.info/forums/core/images/icons/icon9.png)
Any help would be appreciated.
FYI - Checked credit file and they have changed the debt to their name 2 months back.
Repayment frequency
Monthly
Date of default
29/06/2009
Default balance
I have got a couple of letters recently from these bunch of crooks for a current account I had with lloyds around 2008 - the default was registered in 2009 for £1250. Most of the debt was bank charges, I had split up with my partner, had a new born baby, and was barely making enough to cover my bills, hence I had to abandon my account with lloyds as each month i was incurring charges thanks to the previous months charges. I ended up on all sorts of medication and was pretty close to the edge for a while.
Anyway, I'm not sure what to do, I'm in a slightly better financial situation, although couldn't afford much for a monthly payment, i know they would want a fair bit.
I read that s.74 for a CCA doesnt apply to current accounts, I'm worried that they will send me a SD
![Sad](https://legalbeagles.info/forums/core/images/icons/icon9.png)
Any help would be appreciated.
FYI - Checked credit file and they have changed the debt to their name 2 months back.
Repayment frequency
Monthly
Date of default
29/06/2009
Default balance
Comment