Child’s account & overdraft

Brookec2117

EssexHebridean said:

Is it worth the OP just following the usual "Prove it" letter protocol on this? I'm genuinely wondering whether the fact that they bank with Lloyds now might be a red herring here, just a straight coincidence? 

OP - I take it that the current account you are using now is that same account as the one you originally opened as a child, yes?

The young saver account was closed due to being over the age of 18 and a current account was then opened. We did this via help from Lloyds - I’m now 24 so I’ve had my account for 6 years, with no mention of any overdraft from my previous youth account. 

ManyWays

It may just be someone else's account not yours.
Who is the debt collector, is it clear if they are collecting on behalf of lloyds or if lloyds have sold/assigned the debt to them? 

Brookec2117

ManyWays said:

It may just be someone else's account not yours.
Who is the debt collector, is it clear if they are collecting on behalf of lloyds or if lloyds have sold/assigned the debt to them? 

It’s definitely for me, I thought it was possible it was someone else’s account/debt but Lloyds was defiant it’s mine. 

PRA group have bought the debt. Until they contacted
Me I had no knowledge I owed anything as I can’t remember doing so, it’s very confusing. 

sourcrates

OK, stop "talking" to debt collectors, and bank staff, you do this correctly, in writing, a good old fashioned letter, with a few very simple sentences.

You send one copy to the debt collector and another copy to the bank, refrain from speaking to either party on the phone as you will get not find it productive.

The letter should say something along the lines of:

To whom it may concern, 

In regard to the debt you have written to me about on (insert date) with the reference number (insert ref).

In the UK, a legal presumption exists that entitles anyone to enter into a contract unless an exception applies.
One of those exceptions is in the case of a minor.

Contracts where the minor may avoid the effect of the contract are for the acquisition of a legal or equitable interest in property, and various other matters, including contracts for debts, the debtor was 15 years old at the time this agreement was signed, thus rendering the contract unenforceable.

Please confirm no further action will be taken in regard to recovery of this debt, and that this matter is now closed.

Brookec2117

sourcrates said:

OK, stop "talking" to debt collectors, and banks, you do this in writing, a good old fashioned letter, with a few very simple sentences, you send one copy to the debt collector and another copy to the bank, refrain from speaking to either party on the phone as you will get no where.

The letter should say something along the lines of:

To whom it may concern, 

In regard to the debt you have written to me about on (insert date) with the reference number (insert ref).

In the UK, a legal presumption exists that entitles anyone to enter into a contract unless an exception applies. One of those exceptions is in the case of a minor.

Contracts where the minor may avoid the effect of the contract are for the acquisition of a legal or equitable interest in property, and various other matters, including contracts for debts, the debtor was  years old at the time this agreement was signed, thus rendering the contract unenforceable.

Please do not contact me again about this matter.

Thank you for your reply! I have written a letter to Lloyds as well as a complaint. The letter was sent over 6 months ago so I will make another on as well as q letter to the debt company. 

But I will not be making no more phone calls as you are right, I’m not getting no where. 

moneytorques

Brookec2117 said:

sourcrates said:

OK, stop "talking" to debt collectors, and banks, you do this in writing, a good old fashioned letter, with a few very simple sentences, you send one copy to the debt collector and another copy to the bank, refrain from speaking to either party on the phone as you will get no where.

The letter should say something along the lines of:

To whom it may concern, 

In regard to the debt you have written to me about on (insert date) with the reference number (insert ref).

In the UK, a legal presumption exists that entitles anyone to enter into a contract unless an exception applies. One of those exceptions is in the case of a minor.

Contracts where the minor may avoid the effect of the contract are for the acquisition of a legal or equitable interest in property, and various other matters, including contracts for debts, the debtor was  years old at the time this agreement was signed, thus rendering the contract unenforceable.

Please do not contact me again about this matter.

Thank you for your reply! I have written a letter to Lloyds as well as a complaint. The letter was sent over 6 months ago so I will make another on as well as q letter to the debt company. 

But I will not be making no more phone calls as you are right, I’m not getting no where. 

Good luck with the complaint, be sure to keep us updated of the steps and outcome as this is a very unusual set of circumstances!