Anyone with experience of freezing interest with LLoyds?

KirstyO

I must be very fortunate. (although a tad confused, and you'll see why shortly)

I have been away this past week and got home today to three rather nice letters.

One was from lloyds regarding my CC with them (on my DMP) stating that they would continue to accept my small share of the DMP payment towards my debt and WOULD FREEZE INTEREST IMMEDIATELY!! I was so shocked after reading on here that I could be in for a battle. It also says that my account is on the way to their DCA but I'm not too bothered as CCCS will take care of things anyway.

The second letter was from lloyds and seemed to be a direct copy of the first (so they've told me on two separate occaisions that will freeze interest!)

The third was a letter from the CCCS regarding an account i've held with Lloyds which I believed to be in overdraft by around £285. Because this was unplanned lending they swallowed my card at a cash machine and set MHA onto me. I put this onto my DMP and the letter i received this week from CCCS says that the creditor has refused the offer of reduced payment to this account, reason: account in credit.

Now I'm confused. no money has gone into that account since december. my CC balance has not gone up by the OD amount (ie they've not taken it from my CC balance) and no other accounts I have are linked to Lloyds in any way (I'm in transition on a halifax one, but on wednesday I'm going into Barclays to get all my DDs transferred over once and for all. There was no money in my halifax account until Friday just gone i.e. after I'd received this letter)....so what I don't understand is how i'm suddenly in credit!!!

pure_dead_dopey

I hate to burst your bubble, but this is a well-known Lloyds tactic, loads of letters saying one thing, while they do exactly the opposite. When we started our DMP, they wrote to us saying that there were no accounts with the account numbers and therfore we didn't owe them anything.(and we did, believe me) They told CCCS something different and when i phoned, they hadn't a clue, the supervisor i eventually spoke to actually apologised for her staff saying that they hadn't had time to be trained.....................Normally I would never say phone but in Lloyds/BOS's case, I did, because it was the only way to get any actual sense out of them, and even then you had to work your way up the seniority ladder to get someone with a grain of sense, not a procedure for the faint hearted.