Had
a very similar thing with two credit card companies.
I sold my house, phoned them both up to request a final settlement fee (my neighbour had a nightmare trying to pay off a barclaycard in full - he paid the amount on his last statement, yet in the two days in between had added something like 23 pence interest which left him paying interest on the whole 10 grand, so I thought it best to phone for an actual figure) and pay it off in full with some of the money from the sale. Both companies told me that 'that isn't possible sir'. So I asked for a copy of the orig. agreement, so that I could work it out for myself, in writing.
I stopped paying the minimum amount (it was always more than that in any case) until I received either a figure to settle the whole debt, or the agreement so that I could work it out myself.
I had a bloke come round from one of them when I was out about a year later, but since then, not a word from either.
If they hadn't been so greedy trying to fukc me about to maximise the amount they get could get from me, they'd have had all their cash back in full.
Instead, they got nothing.
Turns out, if you request the agreement and they don't get it to you within 12 days, the law no longer sees that as an enforceable debt. I didn't know that at the time mind you.
(dchurch bah, Fri 11 Feb 2011, 19:08, 1 reply)

Nice
For both stories. Lloyds TSB are a bunch of fucktards, offered my sister a final settlement fee (which I was going to pay off to bail her out) then fucked the whole job over to reclamations so she couldn't pay it. Last she's heard from them, as far as I know (she already owes me a shitload more than she owes them mind).
( eXOBeX, Sun 13 Feb 2011, 15:34, closed)