Lloyds say I owe them 1440

tasandmas

3 years agon I had a current acount with lloyds I then lost my job and my account went into overdraft by about 30 the time ihad the 30 to pay it was over 100 so I thought there not getting a penny since then they have sent me reminders with what I owed them but it was going up and up I ignored them hoping they're go away it was o ly 30 quid when today I revived a form from the courts asking what I earned and if I dnt sent it bcd a could go to jail they now want 1440 what can I do

gfplux

You should complete the form honestly. Make an offer to pay.

chanz4

complete the court form or they will decide for you, which could be more than you can afford. Most of all be honest

MrsTinks

You won't go to jail for a debt - the only debt you can still go to jail for is unpaid council tax and even that is rare (ie not you can't but you refuse to pay).

If this is an official court paper which is stamped etc then DO NOT IGNORE this... Without being in any way funny about it please get someone to help you put together your defence - I don't know if your first post was just extremely rushed but it's very poor english and the last thing you want is any misunderstandings at this stage!

I would suggest you contact one of the debt charities in my signature ASAP as you are under a time deadline and if you don't respond they will win by default if you don't enter a defence. You do NOT want that!

FTW

tasandmas wrote: »

3 years agon I had a current acount with lloyds I then lost my job and my account went into overdraft by about 30 the time ihad the 30 to pay it was over 100 so I thought there not getting a penny since then they have sent me reminders with what I owed them but it was going up and up I ignored them hoping they're go away it was o ly 30 quid when today I revived a form from the courts asking what I earned and if I dnt sent it bcd a could go to jail they now want 1440 what can I do

First of all, what form have they sent out to you, who exactly sent it to you, and what exactly does the letter say?

Don't post up any personally identifying details - just it would be helpful to know more about what their correspondence says.

This wasn't Sechiari Clark and Mitchell (handily abbreviated as 'SCaM') by any chance, was it?

I have a gut feeling that this is exactly what it is, and if so, this is a standard DCA 'frighten and hope for the best' trick that so many people fall for.

And if the entirety of the balance is made up of charges, then something to take into consideration is that the whole 'bank charges issue' hasn't been entirely resolved for one side or another. There's a lot more info on this site about that side of things.

fermi

Please contact the court ASAP and find out exactly what this is and what you need to do.

Sounds like it could be an "order to obtain information" which can have serious consequences if ignored.

One of these: http://www.adviceguide.org.uk/index/your_money/money_management_index_ew/action_your_creditor_can_take_index_ew/how_a_creditor_can_get_information_about_your_finances.htm

MrsTine wrote: »

You won't go to jail for a debt - the only debt you can still go to jail for is unpaid council tax and even that is rare (ie not you can't but you refuse to pay).

True for non payment the debt itself, but not not always true if you ignore an order from the court to attend and provide information. That would be contempt, and as such can be punishable by arrest/jail etc. Very unlikely, but a technical possibility all the same.

KingElvis

eye recon u shuld pay what u owe and fil in frm honest like nd git it delt wiv