grossepointblank
Forumite 4 posts
Hi all,
Hoping that the well-informed individuals on this forum may be able to help me with a debt-related issue.
I am in the process of house hunting currently, my credit rating has historically been poor based on my personal circumstances when I was younger, however it's improved immeasurably over the last couple of years and I'm now in a position to look at purchasing my first home, in conjunction with my partner.
My credit report shows a single outstanding debt of around £80ish on an old Lloyds TSB student credit card that I'd long since forgotten about. I initially called Lloyds TSB and was told that the account is dormant and that I would need to go into the branch. I've subsequently been into branch to try and rectify this and was met with a similar response, advised that that the account was dormant and thus they could not access it, and advised to contact card services. Called them again, told they can't access the account and that I need to return to branch again. The problem seems to be that the debt was sold on, however there is no clear idea of who to as the credit report indicates that the debt is with Lloyds TSB and staff don't appear to be able to access the account to advise me of who it might have been sold off to.
I literally just want to pay this debt ultimately so that it will show as settled on my credit report. It's not a major issue in relation to our potential mortgage agreement but our adviser thinks he might be able to find more favourable lenders if I can achieve this so it would clearly be beneficial to do so.
Can anyone suggest as to how I may go about rectifying this?
Hoping that the well-informed individuals on this forum may be able to help me with a debt-related issue.
I am in the process of house hunting currently, my credit rating has historically been poor based on my personal circumstances when I was younger, however it's improved immeasurably over the last couple of years and I'm now in a position to look at purchasing my first home, in conjunction with my partner.
My credit report shows a single outstanding debt of around £80ish on an old Lloyds TSB student credit card that I'd long since forgotten about. I initially called Lloyds TSB and was told that the account is dormant and that I would need to go into the branch. I've subsequently been into branch to try and rectify this and was met with a similar response, advised that that the account was dormant and thus they could not access it, and advised to contact card services. Called them again, told they can't access the account and that I need to return to branch again. The problem seems to be that the debt was sold on, however there is no clear idea of who to as the credit report indicates that the debt is with Lloyds TSB and staff don't appear to be able to access the account to advise me of who it might have been sold off to.
I literally just want to pay this debt ultimately so that it will show as settled on my credit report. It's not a major issue in relation to our potential mortgage agreement but our adviser thinks he might be able to find more favourable lenders if I can achieve this so it would clearly be beneficial to do so.
Can anyone suggest as to how I may go about rectifying this?
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Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
[email protected].
Any views expressed are mine and not the official line of MoneySavingExpert.com.
For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
It's two years away from vanishing I think so keen to get it sorted sooner rather than later. You think it would be worth while to do a subject access request to obtain the information?
Suppose I could phone around some debt collection agencies to try and find out if they hold it as well.
Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
[email protected].
Any views expressed are mine and not the official line of MoneySavingExpert.com.
For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
[email protected].
Any views expressed are mine and not the official line of MoneySavingExpert.com.
For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.