lombard bank loan

candygirl
candygirl Posts: 29,455 Forumite
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in Loans
OH is rubbish with money, and has recently had a letter from Lombard bank saying he owes £4k.The loan was taken out in 2003, and he hasn't paid any of it off.He asked for a CCA off them and they can't provide one.Any help would be appreciated about where he stands with this:o:o
"You can't stop the waves, but you can learn to surf"

(Kabat-Zinn 2004):D:D:D
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Comments

  • geoffky
    geoffky Posts: 6,835 Forumite
    When was the LAST payment...It is statue barred if no payment has been made in the last six years..This means they can not force you to pay but his credit record will show it.
    It is nice to see the value of your house going up'' Why ?
    Unless you are planning to sell up and not live anywhere, I can;t see the advantage.
    If you are planning to upsize the new house will cost more.
    If you are planning to downsize your new house will cost more than it should
    If you are trying to buy your first house its almost impossible.
  • candygirl
    candygirl Posts: 29,455 Forumite
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    geoffky wrote: »
    When was the LAST payment...It is statue barred if no payment has been made in the last six years..This means they can not force you to pay but his credit record will show it.

    Thanks that was what I thought too.No doubt they will keep sending letters though lol:D:D
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004):D:D:D
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    OH is rubbish with money, and has recently had a letter from Lombard bank saying he owes £4k.The loan was taken out in 2003, and he hasn't paid any of it off
    That's some oversight.

    Has he stolen money from anywhere else?
  • candygirl
    candygirl Posts: 29,455 Forumite
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    opinions4u wrote: »
    That's some oversight.

    Has he stolen money from anywhere else?

    Probably:rotfl::rotfl::rotfl::rotfl::D:D
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004):D:D:D
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    And we wonder why firms are reluctant to lend...
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    candygirl wrote: »
    Probably:rotfl::rotfl::rotfl::rotfl::D:D

    Hardly amusing is it
  • ILW
    ILW Posts: 18,333 Forumite
    _Andy_ wrote: »
    Hardly amusing is it

    It is if your a chav.

    It's our culture innit.
  • candygirl
    candygirl Posts: 29,455 Forumite
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    _Andy_ wrote: »
    Hardly amusing is it

    No but what's the point in someone being so judgemental?I know he's made a mistake and so does he:D
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004):D:D:D
  • ILW
    ILW Posts: 18,333 Forumite
    candygirl wrote: »
    No but what's the point in someone being so judgemental?I know he's made a mistake and so does he:D

    Pay back the money then.
  • candygirl
    candygirl Posts: 29,455 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ILW wrote: »
    Pay back the money then.

    Ok if you say so:DJust fishing it out of my back pocket:D:D
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004):D:D:D
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