LTSB Mastercard

boo80

I've got 3 debts with Lloyds, the largest is £6300 with their mastercard. I started a payment plan with them nearly 2 years ago, but after 6 months they wrote and said it had ended and I need to go back to paying them the original amount. I tried to talk to them but they were really unreasonable, so I got the hump and stopped paying them (not very mature, I know)

Anyway, each month they send me a statement but no 'demands'. I don't know whether to send them a copy of my SOA and offer them the £34 a month they should be getting on my payment plan, or just leave it and hope it goes to recoveries? It's been about 15 months since I've made a payment on the account.

DancerSupreme

Personally I would either offer the money while I had it or put it to one side so when they demand it, I have it. A token payment will look better on your part than nothing at all and it will pay it off quicker too xx

boo80

But if I don't pay it, will it go to recoveries quicker (and then the interest will stop)? I'm not trying to get out of the debt, I just don't want to give Lloyds any more than necessary!!

boo80

Bump. Does anyone know if it's more or less likely to go to recoveries if I don't pay it while they're not demanding it?