Lloyds tsb cca request - my journey

[underdog13]

Oh bum, link doesn't work - bear with me

[underdog13]

Underdog v LLoyds

[underdog13]

Still doesn't work - b*gger, b*gger, b*gger

I've tried the permalink thingie and copying and pasting the address, which I was told would work - help! Anyone know how to do this?

[angel_1]

Underdog v LLoyds

the above is i believe your lloyds link was this the one you were trying to do for my thread underdog??


will go and have a gander now

laters angel x

[citizenB]

Yep, that's the one angel

[underdog13]

Thanks Angel - how did you do that? The link I mean.

[citizenB]

Originally Posted by underdog13

Thanks Angel - how did you do that? The link I mean.

Underdog, when you go to a particular thread you will see right at the very top of the screen the http:// address. You right click on that then highlight copy ion the drop down menu. Then go to wherever you want to post the link, click and paste.

If you want to link to a specific post, just click on the Number of that post, then again, right click on the http:// address at the top of the screen, highlight copy, go to wherever you want to pop the link, click and paste.

[underdog13]

Thanks CitB I'm not very technically minded - you'd never guess, would you?

[angel_1]

ta muchly CB - you beat me to it, but your explanation spot on - laters angel x

[underdog13]

Explanation is indeed spot on. CLANG (sound of penny dropping)

Bless you both for your forebearance with a technical div

[citizenB]

Underdog, really there was no technical jiggery pokery involved in my explanation.. I have it written down courtesy of another CAGGer I also have detailed instructions on how to work the video, stereo and doorbell so if you need any assistance in those departments.. just yell

[underdog13]

Funny thing is I can work all my other electrical stuff; even set up, tune in and connect TVs and DVD recorders, etc

Just couldn't get link to work Mind you my computer has decided not to paste properly which doesn't help!?! When I click on paste the cursor just jumps a few blank spaces - very weird. Think my computer is as stressed out as I am

[angel_1]

hello everyone just thought id put up an update

well still no cca and looking at my original request it is some months now, i believe i really need to do a dispute letter now and send it next day special delivery, cos i really dont trust them anymore

they have sent me my statement and advised i need to pay them as i havent !!!

so further from my earlier post number 39 - anything else anyone wants to add or sent me a punchy letter to send them pls?

many thanks and of course they are still adding interest onto the account arghhhhhhhh

laters angel x

[davey77]

Congrats also for passing the 1000 post mark Angel.. seems there are a few milestones being passed on here tonight!

[angel_1]

Originally Posted by davey77

Congrats also for passing the 1000 post mark Angel.. seems there are a few milestones being passed on here tonight!

blimey davey - i really didnt notice, oh many thanks for that i feel quite chuffed, i hope i have given as much good info as ive received, but forever learning lol

hope you are doing okay, im just in a spin with everything at the moment, and feel i need to move things along,,,,

have a fun eve laters angel x

[underdog13]

Hiya Angel,

still haven't received my CCA from Lloyds yet either - last I heard was a letter early December 2008 stating that they were reviewing their response to CCA requests. Guess by reviewing they meant ignoring Have you heard from the delightful SCuM, yet?

I've been defaulted and I'm praying for termination -whilst they are still in default of course Interestingly, they have stopped charging me any interest at all. Curiouser and curiouser said Alice...

[davey77]

Originally Posted by angel_1

hello everyone just thought id put up an update

well still no cca and looking at my original request it is some months now, i believe i really need to do a dispute letter now and send it next day special delivery, cos i really dont trust them anymore

they have sent me my statement and advised i need to pay them as i havent !!!

so further from my earlier post number 39 - anything else anyone wants to add or sent me a punchy letter to send them pls?

many thanks and of course they are still adding interest onto the account arghhhhhhhh

laters angel x

If it's been months since your original CCA request and you don't have anything then i would be going for something a little stronger than just another dispute letter.

An lba for starters or if you prefer perhaps going down the CPR route first as in PT's thread?

I would also start charging them for the time you have spent pursuing this matter with them. I intend to start doing that myself:

Your time's worth £10 an hour if your bank or finance company causes unfair problems - MoneySavingExpert.com Forums

Personally i would say a good letter, after printing, photocopying, research to include legislative quotations and postal costs that an hour for each letter is very reasonable. I have 28 letters since my original CCA request with Halifax = £280 invoice will be included in my next correspondence.

A quick search for 'invoice' on google images reveals several which can be adapted to your own needs with photoshop, replacing details with your own requirements!

[Rathercross Charlie]

Well, I CCA'd Lloyds 3 months ago and still nothing, so have now complained to Financial Ombudsman and local Trading Standards.

Lloyds have sent my card account to their Collections Dept, but all I've had from them is one limp letter a month ago...

[angel_1]

hiya all many thanks for your kind responces

underdog, - so they didnt have you on any plan then, just stopped the interest on your account that is curious, so you havnet paid them so once terminated that then would put you in a good position?

davey - when you said;

"""An lba for starters or if you prefer perhaps going down the CPR route first as in PT's thread?"""


yes ive reading about the cpr on pt's thread but am i getting confused that i would have to start a legal case to use the cpr? or could i now at the postition im at just sent the cpr request isnt it part of the lba?

Rathercross Charlie, - so you didnt both to send any dispute letters just complained directly to fos and ts?

I am actually waiting on my ts to contact me for an appointment im willing to go and see them and get them to record all my dilemmas -

anyway have a fun day and will check later for your kind updates cheers angel x

[Rathercross Charlie]

Angel,

I sent initial CCA, followed by "you haven't responded - you are now in default" letter.

I had a few harassing calls from collections centre, then wrote quoting chapter & verse re harassment on an unprovable debt and have heard nothing since.

Complaint to fos and TS is to try and force their hand....