lloyds scums

[eryca313]

Re: lloyds scums

that's the thing tho, i never claimed any benefits my partner is unemployed since January and been refused JSA or any kind of help as he was self-employed... not sure he will be able to get anything because he applied a month ago and received nothing yet. I just accepted the redundancy so I am out of work now so dont know how relevant is the IE sheet cas at the moment nothing is coming in.

[eryca313]

Re: lloyds scums

that is my current IE sheet and as I said I do not receive any loans or benefits or any other financial help. I accepted the redundancy as the whole situation made me extremely stressed and depressed and if I d turn down the new job council would make me redundant anyway as I am o the end of the third month. I have small pay off, but no job at the moment.

[eryca313]

Re: lloyds scums

your dog is gorgeous

[Caspar]

Re: lloyds scums

that's the thing tho, i never claimed any benefits my partner is unemployed since January and been refused JSA or any kind of help as he was self-employed... not sure he will be able to get anything because he applied a month ago and received nothing yet. I just accepted the redundancy so I am out of work now so dont know how relevant is the IE sheet cas at the moment nothing is coming in.

VERY RELEVANT! Your creditors need to be able to see exactly what position you are in (and so do we if we're going to help you properly). Don't be embarrassed by it, everyone's in different boats, this site is totally non-judgmental, we just want to help, but to do that we need that facts.

PLEASE redo the I/E sheet and repost it then we can try to help!

David
x

[Caspar]

Re: lloyds scums

your dog is gorgeous

Thanks! That's the REAL Caspar! Just going to look at your I/E sheet again, but got to go shopping in a minute - will be back later!

[Caspar]

Re: lloyds scums

Brilliant! Thanks for doing that.

I've had a quick look and a couple of things HAVE to be changed as it's now making things look worse than they really are. 58 Car Tax needs changing to 12 (it will only work it out monthly not yearly so assumes you're paying £60 a month at the moment). Are you sure that's all your car tax is. I taxed mine on Saturday and it was £115 for 6 months!

Also 61 Car Servicing / MOT needs changing to 8.33 so it is a monthly figure again. At the moment it's reckoning you pay £100 per month for this.

Finally do you mind my asking what the loans mentioned in 66 and 67 are for? Why do I want to know? Because they may be non priority debts so perhaps should be taken out of there and put under creditors as amounts owed in Step 4. I assume the loan is from Lloyds which this thread is all about. You say you've gone over the limit with that, so if you owe the bank money that isn't shown here, it needs to be put down.

David
x

[eryca313]

Re: lloyds scums

thanks I will update the sheet. I think you right I pay about £85.25 for 6months. also £67 is my monthly car insurance and the £98 credit payments are littlewoods £60, barqlays credit card £15, and HFC bank (my laptop) £23....and yes payment to lloyds is £40.

[eryca313]

Re: lloyds scums

I think that's all really if I come across something else I ll let you know

[Caspar]

Re: lloyds scums

Eryca,

Bofore you do anything else, follow the link below, place a tick next to this attachment (and maybe your previous one) and delte them from the forum.

http://www.legalbeagles.info/forums/...ditattachments

Now remove the peronal information in the top left hand corner and repost. It's very dangerous to have personal info lurking around on the internet. That's why I removed mine yesterday - I did the same thing.

[Caspar]

Re: lloyds scums

Hi Again,

Hopefully you've removed personal details now. If you have problems pm Amethyst, Sapphire, Amy or Curlyben and I think they could do it for you if you give the thread reference.

The only thing I can see now is the pet expenditure. Pets are not an essential. Can you lose that £40.00 somewhere else (add a bit here and there to other items) then remove the pet expenditure.

Once you've done that as Amethyst posted, it's a case of writing to the bank with a copy of this explaining your circumstances (and that they're about to become worse). In your situation with no disposable income I'd ask them to write the debt off and see what they say. I did a letter previously for you which was personalised already to some extent. If you take that and personalise it more it should suffice I would think. Then all you can do is not worry and await their response.

Well done you for tackling it all!

David
xxx

[eryca313]

Re: lloyds scums

well thank you for all the help,I have done all those things you told me to do and I will definitely send them the letter as I just got a letter saying I am overdrawn 80£ already.
to be honest my boyfriend is more determined then I am because he wants to bring the whole bank down, I just want to break free nothing more and clear my credit record and I think am done with credit cards.

so I should use the letter what says I am in hardship and need to freeze my account? or which one did you meant?

[Caspar]

Re: lloyds scums

How about something along these lines? Would very much welcome anybody else's input also:

Dear Sir/Mr

Ref: Your Account Number: xxxxxxxxxxxxxxxxxxxxxxxxxx

I wish to inform you of a recent change to my circumstances which mean my already poor financial position is about to be exacerbated as I am about to be made redundant. I am writing to inform you of this at the earliest opportunity in the hope that you will be able to do all you can to help.

Please find enclosed an updated Income and Expenditure sheet which details my present financial circumstances. As is apparent, my outgoings far outweigh my income and as such I am experiencing extreme financial hardship. This situation will obviously get worse once I am unemployed and I do not want to abandon my financial responsibilities.

You will know from your records that I feel I was missold the account in the first place, as I was not informed there was a current account that did not incur monthly payments. In light of this, I would be grateful if you would consider writing the remaining balance off, particularly as the majority of it is comprised of your own charges on an account I believe I should never have had. This would clearly help my current position.

I would like to assure you that it was never my intention to renege on my financial responsibilities, but unfortunately my current circumstances are such that realistically I have no option.

I would also be grateful if any further charges and interest could be stopped in order that I can do my best to get out of my predicament.


I would greatly appreciate any help you can give me and look forward to your comments on this matter. Should my circumstances improve I will, of course, let you know immediately.

Yours faithfully,

[middenmess]

Re: lloyds scums

Good letter Casper.

[eryca313]

Re: lloyds scums

thank you for help Caspar I appreciate it very much. I will make sure I send the letter to Lloyds today along with my IE sheet and see what they ll say.

As You also recommended I contacted Curlyben Spphire and Amethyst to help us.

[Caspar]

Re: lloyds scums

thank you for help Caspar I appreciate it very much. I will make sure I send the letter to Lloyds today along with my IE sheet and see what they ll say.

As You also recommended I contacted Curlyben Spphire and Amethyst to help us.

Out of interest did they say anything drastically different?