DMP with Lloyds

susieanne

I have been doing my own DMP for 2 years one of my creditors is Lloyds TSB overdraft , i have a standing order which i set up myself to pay TSB everymonth and have done so for the last 2 years no problems . Two months ago i got a letter from them they wanted me to increase what i was paying to them , i phoned them straightaway and explained that i coundnt increase , they didnt put any pressure on me just said thats ok carry on paying what i have to them and my debt would be passed on , so i have . I havent had any further letters from Lloyds for 2 months but today my standing order to them has gone out as usual its for £15, then underneath they have credited it back to my account , im just wondering Why ??
Do you think its been passed to someone else thats why Lloyds have given back this months money ?? I dont really want to phone them but i can see them now saying i have missed a payment

Tixy

It sounds like they may have sold the debt on and so the credit may be automatic as their internal computer probably shows there is no longer a debt.
You could either wait a couple of weeks to see if you hear from a DCA who has bought the debt, or could ring lloyds to confirm its been sold on and ask who to.
If they try to say you have missed a payment you have proof on your bank statement that the payment was made but returned.