Lloyds Tsb - Will They Play Silly Buggers?

[Fred Bassett]

Originally Posted by dpick

Hi Fred I got legal advice from my sis in law but she works away wont be back in UK for another 4 weeks, I rang her she said try CAB if you cannot get advice anywhere, they will copy your documents to study and mail or e-mail you the result usually about 1 week.

dpick

Thanks dpick, I might just do that but I think I'll try the Which? people first. I signed up for their legal service - something like a tenner for 6 months, so I'll see what their like.

Cheers.

Fred

[Fred Bassett]

Well guess what, Lloyds finally came up with a copy of my credit card agreement. In my view they broke the law in not getting it to me sooner. Unfortunately I can't read the date on the postmark, so it would be difficult to prove, so that's the end of that. Here it is if anyone wants to have a look:

http://us.f13.yahoofs.com/bc/466afcf...vPmnGBp2Mq5dRR

Personally I can't see anything wrong with it, but if someone with a bit of expertise would care to have a look then I'd be grateful. I didn't expect much to come out of this in terms of it being non-enforceable. What always intrigued me was why I suddenly started paying protection against this card when previously I hadn't. I am as certain as I can be that I didn't sign for payment protection - I never have on any card so how that box came to be ticked is a bit of a mystery. The opportunity is clearly there for somebody to tick it afterwards - if I ever get my Subject Access Request details through then I'll have a better idea.

Regards.

Fred

[Fred Bassett]

Well, I've finally got the information from Lloyds regarding my credit card. To my surprise I find that I've been paying payment protection since day 1 though I don't ever remember signing for this.

Should this be a separate signature on the agreement box?

Regards.

Fred

[dpick]

Originally Posted by Fred Bassett

Well, I've finally got the information from Lloyds regarding my credit card. To my surprise I find that I've been paying payment protection since day 1 though I don't ever remember signing for this.

Should this be a separate signature on the agreement box?

Regards.

Fred

Hi Fred I now have application forms back from 2 cards only 1 agreement anyway I checked on the PPI on what I have one had a tick box for PPI and the other had a signiture required for PPI but they were both on application not agreement.

dpick

[Fred Bassett]

Originally Posted by dpick

Hi Fred I now have application forms back from 2 cards only 1 agreement anyway I checked on the PPI on what I have one had a tick box for PPI and the other had a signiture required for PPI but they were both on application not agreement.

dpick

Thanks dpick. Do you know if a separate signature is required? On my agreement, it is just a tick box which could have been added by anyone at any time. Personally I would question the legality of this but I may be completely wrong. Any idea where I could find this out?

Cheers

Fred

[dpick]

Originally Posted by Fred Bassett

Thanks dpick. Do you know if a separate signature is required? On my agreement, it is just a tick box which could have been added by anyone at any time. Personally I would question the legality of this but I may be completely wrong. Any idea where I could find this out?

Cheers

Fred

Hi Fred me again I cannot help on this one I am claiming on this as mis-sold due to pre existing medical condition so never looked to see if another signature was required.

dpick

[Fred Bassett]

Originally Posted by dpick

Hi Fred me again I cannot help on this one I am claiming on this as mis-sold due to pre existing medical condition so never looked to see if another signature was required.

dpick

Cheers dpick. I'm going to look into this as somehow it just seems wrong. I've had to reupload my agreement because the link was wrong.

I'll let you know if I find anything.

Regards.

Fred

[Fred Bassett]

Good evening everyone. It's been a long time since I posted on this thread. The reason is that I was in a DMP with the CCCS but they refused to stop payment to certain creditors. After a fair bit of dithering and a lot of discussion with my wife, we finally decided to stop the DMP and cease paying some creditors, LLoyds being chief amongst them.

So this is it, I've reached the point where things are now serious and I'll need as much help as I can get.

First off, here is a copy of my 'agreement' with Lloyds:

http://i218.photobucket.com/albums/c...plication1.jpg
http://i218.photobucket.com/albums/c...plication2.jpg

I believe this to be an application form. I'd really like something concrete to go on though, because I've had my first reminder letter from Lloyds today and I'm expecting the hassle to begin soon.

Regards.

Fred

[dpick]

Originally Posted by Fred Bassett

Good evening everyone. It's been a long time since I posted on this thread. The reason is that I was in a DMP with the CCCS but they refused to stop payment to certain creditors. After a fair bit of dithering and a lot of discussion with my wife, we finally decided to stop the DMP and cease paying some creditors, LLoyds being chief amongst them.

So this is it, I've reached the point where things are now serious and I'll need as much help as I can get.

First off, here is a copy of my 'agreement' with Lloyds:

http://i218.photobucket.com/albums/c...plication1.jpg
http://i218.photobucket.com/albums/c...plication2.jpg

I believe this to be an application form. I'd really like something concrete to go on though, because I've had my first reminder letter from Lloyds today and I'm expecting the hassle to begin soon.

Regards.

Fred

Hi Fred looks to be application to me, I have read that some applications also work as agreement but That is all I know as for the T&C as you have posted they are incomplete in that some of the clause's are missing ie see section 11 etc. So though they may have complied with s78 it don't look to me the have sent an enforceable agreement, but as always it needs some of the big bods to have a look. all the best dpick

[Fred Bassett]

Originally Posted by dpick

Hi Fred looks to be application to me, I have read that some applications also work as agreement but That is all I know as for the T&C as you have posted they are incomplete in that some of the clause's are missing ie see section 11 etc. So though they may have complied with s78 it don't look to me the have sent an enforceable agreement, but as always it needs some of the big bods to have a look. all the best dpick

Cheers dpick, the images are exactly as I have them - they haven't been cut off by my scanner. Let's hope one of the experts passes by soon. Thanks for your help.

Regards.

Fred

[elsinore]

I'm not an expert Fred, but I'll ask someone to take a look at it.

Els

[Fred Bassett]

Originally Posted by elsinore

I'm not an expert Fred, but I'll ask someone to take a look at it.

Els

Thanks Elsinore, I appreciate that.

Regards.

Fred

[tomterm8]

Doesn't contain the prescribed terms, so unenforceable IMHO.

[diskmandave]

No prescribed terms, also, not executed...

Unenforceable IMHO too...