I owe Lloyds TSB some £7,500 on an unsecured loan in my sole name and have some £1,500 in arrears.
Over a year ago I tried to change payments as I was finding it hard to meet monthly payments, this was refused and now things are really bad hence the arrears.
I have been in correspodence with them over making some form of instalement payments (£35 a month) provided they waive "fines" and interest payments which they have REFUSED.
They are now threatening COURT ACTION seeming not to pass the case to a debt collector.
I have other debts with CCs and these have all accepted monthly payments.
I am aged 66 living on State Pension and Pension Credit and am trying to do "the right thing" by at least paying something.... to be met with such hostility beggars belief..... I have given up trying to phone them as all they want is all the money due and will not discuss offers, and deny having ever had the COUNTLESS letters I have sent.
I took advice and they seem to think I am doing the right things.
What can I do? I do not want ballifs coming in but it seems I will have little choice if they will not listen to offers. I have no savings.
Over a year ago I tried to change payments as I was finding it hard to meet monthly payments, this was refused and now things are really bad hence the arrears.
I have been in correspodence with them over making some form of instalement payments (£35 a month) provided they waive "fines" and interest payments which they have REFUSED.
They are now threatening COURT ACTION seeming not to pass the case to a debt collector.
I have other debts with CCs and these have all accepted monthly payments.
I am aged 66 living on State Pension and Pension Credit and am trying to do "the right thing" by at least paying something.... to be met with such hostility beggars belief..... I have given up trying to phone them as all they want is all the money due and will not discuss offers, and deny having ever had the COUNTLESS letters I have sent.
I took advice and they seem to think I am doing the right things.
What can I do? I do not want ballifs coming in but it seems I will have little choice if they will not listen to offers. I have no savings.
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