Lloyds Platinum Card

Image via WikipediaHey all, I have a LLoyds Platiunum card, I can't afford to pay it back, and I have gone through all the National Debtline advice on making offers of token payments etc and asking for interest and charges to be stopped and for the debt to be treated sympathetically and positively. Lloyds have repeatedly refused my offers of payment and have pursued the line of 'pay up or else' and have since applied defaults to my account. Last letter I sent them was a CCA request dated September 1st to which I received no reply. Just got a letter this morning from MHA collections 'on behalf of LLoyds TSB' saying I must pay them or they will instigate court proceedings. Should I send them this letter Hi everyone - newbie - any advice? or is there a better approach? Cheers prelude2a - View Public Profile Send a private message to prelude2a Find More Posts by prelude2a 2nd November 2008, 02:42 # 2 ( permalink )

Lula Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Apr 2006 I am in: Hertfordshire Posts: 10,129

Re: Lloyds Platinum Card
Hi, yes, by all means send them the letter, and also send Lloyds this letter (marked N), DO NOT use your normal signature to sign it, better to print your name and enclose a £1 fee by way of postal order, whilst you are waiting for all that I would have a good read of the forum and gather information to help yourself do this, if it transpires that they do not have a properly executed agreement, then the ball really is in your court, you can set the amount you want to pay. Lula View Public Profile Send a private message to Lula Find More Posts by Lula 2nd November 2008, 03:10 # 3 ( permalink )

gizmo111 Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2006 Posts: 9,547 Re: Lloyds Platinum Card For signing letters read here for some good tips. If you have sent you income and expenditure, and can only afford token payments at present then it is not a case of them accepting your offer, rather a case of that is all they are going to get. Make the payments you offered regardless of what they threat. It usually takes a while before they stop interest, as they will try to get higher payments out of you in the interim, and it is also unlikely they will not default you.

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