ACCOUNT DEFAULT

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beachblanket

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Post by beachblanket » Thu Oct 20, 2016 5:27 pm
Hello All,

We finished our joint IVA in 2013 with an early full and final settlement.
Our IVA would have concluded naturally at the end of January 2016 when the final payment was due.

We have now looked at remortgaging to a better deal and following a detailed credit check I have found that LLOYDS have had my old current account (which was included within the IVA) marked as in DEFAULT since 2011 £14 owing.

This is obviously affecting my credit score, how do I get this corrected? Should Debtlifeboat (my IP) have done this?

Many thanks

Beachblanket
 
 

ginger323232

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Post by ginger323232 » Thu Oct 20, 2016 5:28 pm
When did you start your IVA ?
 
 

beachblanket

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Post by beachblanket » Thu Oct 20, 2016 5:30 pm
Hi Ginger January 2010
 
 

ginger323232

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Post by ginger323232 » Thu Oct 20, 2016 5:35 pm
Ok so the default should be dated to the start of your IVA.
So you may need to write to the DATA Controller at LLoyds (NOT CUSTOMER SERVICES) the address you will find on the ICO website. Requested the default to be dated to the start of your IVA - give them 28 days to comply - IF not make a formal complaint via the ICO website
 
 

ginger323232

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Post by ginger323232 » Thu Oct 20, 2016 5:36 pm
And unfortunately its you that has to deal with the defaults on your file NOT your IP
 
 

beachblanket

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Post by beachblanket » Thu Oct 20, 2016 5:40 pm
Ginger thankyou, however looking on the ICO website for LLOYDS brings up these which one do I use?
Lloyds Bank (Branches) Nominees Limited
Lloyds Bank (Colonial and Foreign) Nominees Limited
Lloyds Bank (ID) Nominees Limited
Lloyds Bank (PEP) Nominees Limited
Lloyds Bank (Stock Exchange Branch) Nominees Limited
LLOYDS BANK ASSET FINANCE LIMITED
LLOYDS BANK COMMERCIAL FINANCE LIMITED
LLOYDS BANK COMMERCIAL FINANCE SCOTLAND LIMITED
LLOYDS BANK COVERED BONDS (HOLDINGS) LIMITED
Lloyds Bank Financial Advisers Ltd
Lloyds Bank Foundation for England and Wales
Lloyds Bank Foundation for the Channel Islands
Lloyds Bank General Insurance Limited
LLOYDS BANK LEASING LIMITED
Lloyds Bank Nominees Limited
Lloyds Bank Pension Trust (No. 1) Limited
LLoyds Bank Pension Trust (No.2) Limited
Lloyds Bank Plc
Lloyds Bank Private Banking Ltd
Lloyds Bank Trustee Services Limited
Lloyds Bank Trustees Limited
Trustee(s) of the Lloyds Bank Offshore Pension Scheme
 
 

beachblanket

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Post by beachblanket » Thu Oct 20, 2016 5:42 pm
Is it Lloyds Bank Private Banking Ltd?
 
 

Foggy

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Post by Foggy » Thu Oct 20, 2016 5:47 pm
Lloyds Bank PLC I would have thought -- but no harm in copying in Private Banking.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

beachblanket

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Post by beachblanket » Thu Oct 20, 2016 5:58 pm
Thankyou Foggy
 
 

ginger323232

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Post by ginger323232 » Thu Oct 20, 2016 5:58 pm
There are some letter templates - somewhere on this site that you may find useful - perhaps someone can post the link - if they can remember where they are.
 
 

Foggy

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Post by Foggy » Thu Oct 20, 2016 6:09 pm
They can be downloaded from here:

http://debtcamel.co.uk/repair-credit-record-iva/
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

beachblanket

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Post by beachblanket » Thu Oct 20, 2016 6:22 pm
Thanks Ginger.. found the template its on the forum main list..
 
 

Goosed

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Post by Goosed » Thu Oct 20, 2016 6:31 pm
Hi beachblanket,

The contact address for the correct Lloyd's account department you need will be on the bottom of your standard £2 credit report from whichever CRA you obtained your credit report from.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".

Eric Cantona
 
 

beachblanket

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Post by beachblanket » Thu Oct 20, 2016 6:48 pm
Hi Goosed I used My Credit Monitor which in turn uses call credit.... no contact details are shown.

I will do some googling to see what I can find. Cheers
 
 

beachblanket

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Post by beachblanket » Thu Oct 20, 2016 6:51 pm
25 GRESHAM STREET
LONDON
EC2V 7HN

I believe is the correct one thank you all for your help
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