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Credit Services LTD
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I'm not sure what you can do as the debt was an overdraft, albeit an unofficial one.
Did you receive anything from Lloyds in the SAR where they had advised you of the interest and charges that would be applied to the account? If they didn't send a letter, then you may be able to argue that correct procedure wasn't followed. Not seen anyone query a default for this before - may be worth asking the question on the consumeractiongroup forum. They may have a better idea - i have seen overdrafts mentioned and the fact that a letter is required to explain the terms of the overdraft. I think for an unofficial overdraft they need to send those details after 3 months, but really not sure.After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110
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