Llloyds TSB Credit Card and forthcoming solicitor's letter

pinkcowface1

Hello.

It's me again back with yet another debt problem. Firstly have at least 5 defaults now amongst all my credit cards. I am running my own debt management plan since last May with help from CCCS and National Debtline. Am already with a couple of debt collectors - no interest and am on a reduced plan with no interest withvirtually all the others for the next six months again - I owe a really high amount.

However, was okay with Lloyds TSB for the last six months or so. They did not freeze my interest but lowered it and accepted my low payment plan for six months. When the six months came to an end, they bombarded me with letters and harrassing phone calls. In the end I wrote to their customer services and reported them. Then I received a letter from them saying they were putting me on the 6 month reduced interest plan once more. Now I have received a letter from their customer relations office following my complaint. They apologise for the harrassment and now think it is better that I deal with their debt collection section (I think it is inhouse) so they will be sending me a default notice and I will receive a solicitor's letter. Help. This is not what I want at all and I am quite scared about the solicitor's letter what will it say? Lloyds TSB have said that as my situation is ongoing it is for the best and I will end up paying no interest. I am worried that I will be taken to court. I contacted one of the above mentioned charities who have helped me and they have told me to wait and see what the solicitor's letter says. Should I write to them again saying that I would prefer to remain on the low interest scheme? Can anyone else give me any further advice? Many thanks.

DarkConvict

Its to late to send you a default notice, they need to do it within 6 months of you defaulting (i.e. missing the minimum payments)

Dealing with the inhouse collectors probably is a better idea and these are oftern refereed to as solicitors. Lloyds have a reputation of been horrible so getting it outsourced to collections and finally a DCA might be best.

If they do take you to court the charities will not help, you have to defend it ourself and show your on a DMP paying all you can afford, sadly charities just get you to admit the debt which isnt the best course of defence.