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LLoyds/Cabot Strange Amounts and Dates REFUND CHARGES

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  • LLoyds/Cabot Strange Amounts and Dates REFUND CHARGES

    This is for a Lloyds Bank Account..Wrote to them on behalf of a friend(as Im trying to settle my own account that I have no reply to!)

    Default registered
    10/01/2011 AMNT `£3074.
    payments of £1 per month.
    Checked CRA today balance is now shown at £2963, (which is more than a £1 a month) (maybe thats the difference the amount they sell the debt on.

    Attached letter says £2936.
    Cabot are updating CRA since April 2014 (2972.00)

    Letter dates/amounts seem very confusing
    No Letter from LLoyds saying they had sold DEBT to Cabot ?

    I wrote to them requesting a breakdown of charges (Martin Lewis said get indivdual amounts) bank say they do not have to send this?
    Surprised at LLoyds letter..seems "Hope" is their fav word!

    Offered to negiotate a settlement (no reference to that in the letter)
    He has a PPI dispute with Lloyds on CC that is being investiagted by FOS.

    Any advice best way forward
    Do they have to give a break down
    How will this amount of refund show on the account if Cabot own the Debt?
    Thanks
    Attached Files
    Tags: None

  • #2
    Re: LLoyds/Cabot Strange Amounts and Dates REFUND CHARGES

    See the attached doc
    Wrote to bank to offer setlement and a list of charges and fees
    first letter reply from bank failed to give breakdown or discuss the settlement

    sent a further complaint....now they say they will refund charges...but did not advise in their first letter that a refund will be received! they also responded with a breakdown of all charges and fees applied to the account after putting pressure on them to do this.

    Confirmed they have SOLD the debt....

    total list 2001-2010 4168.08 all charges!
    Attached Files

    Comment


    • #3
      Re: LLoyds/Cabot Strange Amounts and Dates REFUND CHARGES

      Update

      This is a reply to my offer of settlement ( this is my own account not to be confused with my friends account)

      The charges six pages come to £4589 approx
      the is standing debt is £3200.

      Ive posted as i made the bank do a whole list
      perhaps i should up my offer to £301.05
      help!
      Attached Files

      Comment

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