Lloyds tsb cca request - my journey

[angel_1]

hiya all

have requested my cca for the credit card, i await and will update you if i get anything back from them

ciao for now MAZ

[sexon]

hi,

we are in the same boat. i requested my CCA agreement on 4th oct, letter sent by recorded delivery. one request was for credit card, pre 1997, and the other a loan over 25k. i gather the CCA does not apply to credit over 25k

they have finally responded today (the 12th working day after my request). they sent me the terms and conditions "which apply to" my account. they also stated that they are not oblidged to provide me with a copy of my "original application" though one has been ordered and will arrive shortly.

i suspect they will send me my application, but thats not an agreement, its like an offer but only my signature?

have they failed to comply with my request, if so, under what grounds?

i am a newbie, any advice chaps.

regards

[angel_1]

hiya update guys - nothing received upto today

today is the 16th working day after i posted my cca request, i have proof of delivery with signature,

i have paid last months payment, but this month i was rather waiting on the cca,

im tempted to not remind them and not pay and see what happens

i know i can send them a reminder today so should i so then informing them im not obliged to pay until they supply?

its one of my higher ones but also its connected to my complaint in the branch when i went to pay my bill in september, which im still awaiting on a reply!

so over to you see whats best course to take today many thanks

ciao maz

[angel_1]

bumping up any advice on my previous post pls ta muchly maz

[angel_1]

Originally Posted by sexon

hi,

we are in the same boat. i requested my CCA agreement on 4th oct, letter sent by recorded delivery. one request was for credit card, pre 1997, and the other a loan over 25k. i gather the CCA does not apply to credit over 25k

they have finally responded today (the 12th working day after my request). they sent me the terms and conditions "which apply to" my account. they also stated that they are not oblidged to provide me with a copy of my "original application" though one has been ordered and will arrive shortly.

i suspect they will send me my application, but thats not an agreement, its like an offer but only my signature?

have they failed to comply with my request, if so, under what grounds?

i am a newbie, any advice chaps.

regards

hello sexon

like you see ive posted still had no reply from them,,, i would suggest you start your own thread like ive done under the lloyds bank section copy your post you have put here and then you will get more experienced caggers to reply on your thread and you keep all the information on one thread

believe me if you dont have your own thread it starts to get quite confusing, im confused with all my own threads never mind others lol

let me know if you have any problems, i dont know what other advice i can give you as im really new to all this myself, just self learning and being guided by the helpful people who are experienced here,

have you obtained any proof from the royal mail that they have actually received your letter?

cheerio for now MAZ

[angel_1]

update

no cca and no acknowledgement received def over the 12+2 days time,

so im due to pay this months payment, guess i could leave alone see if i can get a payment holiday ,,,,, or even better no cca or an unenforceable one,,,,

its one of my larger ones and im a bit worried about this one

catch up in the week ciao for now maz

[underdog13]

Hi Maz,
Lloyds don't seem to be very good at complying, do they? I've been waiting two months for mine. Like you this is one of my larger debts, so I am worried; even more so today as I received a default notice! Cheeky b's - they've been in default for 6 weeks. To cap it all, when I spoke to them on the phone when they called asking for payment, I told them I had responded in writing, they apologised, said they had a 5 week backlog on letters and to do nothing until I had a reply to my letter. Even told me not to pay the token £1 - I now think they were deliberately setting me up

I just hope that the reason they don't comply with CCA requests is because they know they don't have enforceable agreements.

I'll keep following your thread and pass on anything I think will help

[angel_1]

hiya underdog13

thanks for the update, i was actually wondering what to do on this one, i think maybe might be best to keep a paper trail going - as they have a backlog, (still not had my lloyds complaint resolved, nearly coming upto 8 weeks and after that i can go to the fos) having a paper trail on this cca might just fit in nicely with my overall complaint to the fos if i have to do that ( see my other lloyds thread)

ive got a letter that was given to me before i will use and thus add that as they are in default and not complied, i will be choosing not to pay anything until they comply correctly

will update you if i get anything too ciao for now MAZ

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[angel_1]

hello all

well i need to take some kind of action tomorrow re this, still no cca or any acknowledgment and im getting letters telling me im 2 months in arrears as ive not paid them, just to test the waters as they are def in default of my cca

so - either do i

1. send them a dispute letter and tell them no payments until i get my cca

or

2. dont bother with them, and send my complaint direct to oft and see what i get back from oft

3. or put in a formal complaint to lloyds and tell them not paying

4. or keep quiet...... and wait on default? court action? a dca? or bankruptcy? or a home visit? or what else?

as its one of my higher ones, i really dont want any court action but i feel that as they have not given me what is my legal request, could i be cheeky and send them 1.00 on a postal order as a full and final settlement, if they cash the postal order its as if they have accepted,,,,oh no, could i really get away with it? lol

anyway off to bed, need to have an early start so i await on your good advice as always fellow caggers, keep happy ciao for now MAZ

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[underdog13]

Hi Maz,
I sent the dispute letter to them and missed 3 payments - got a default notice in return; issued whilst they were in default of my CCA request.....

[angel_1]

hiya underdog

well thats my fear now primarly, looking at further threads advising still to continue to pay to give the oc chance to get back to you, at least i know that a default for the missing payments would first need to be sent to me to remedy the breach before they either terminate fully the agreement or continue hassling me,

its what lexis has put on another thread this morning that whilst not paying its helping in one way but in another its giving the oc the chance to place the default, whilst others will not bother with this as a problem, i have to believe we all have to look at our own circumstances

im going to put a formal complaint in, i think this at least shows im giving them the chance to investigate the dispute and advise them to hold all action on this account until they supply the cca which is my legal request and legal right, i can then deal with their responce after and look at all options

i hope that makes sense, ciao for now MAZ

[angel_1]

hiya all

got an interesting letter from them today, that in view of current difficulties, me the world and its dog

made some changes to my cca agreement,

but i still have not had my cca, so going to now send the dispute letter and see what then happens.

has anyone else had similar??

ciao for now MAZ

[lexis200]

Not had the letter maz, but you're on post 666

Hope you're not superstitious!

[angel_1]

hey lexis,,,,the devil is coming,,,,lol

anyway just been told on underdog thread by creditcardmug that lloyds sending out the letter to all and sundry so could be perhaps the meeting they had with government this week? to be fairer to customers in times of difficulty etc

so im off to finalise my account in dispute letter now and sending that off

and there was me feeling all special and loved this morning,,,,,

ciao maz

[underdog13]

We're already dealing with the devil's representatives aren't we?

[Enron]

Believe me, from experience of dealing with a number of banks, some do believe they are a law unto themselves.

[angel_1]

Originally Posted by underdog13

Hi Maz,
I sent the dispute letter to them and missed 3 payments - got a default notice in return; issued whilst they were in default of my CCA request.....

hiya underdog

whats the latets on this then, is the default valid though?? have you checked this

hmme, ive been threatened with this. so i guess, i have to do the dispute letter now just so i have the paper trail and record

any other options, other than sending a cheeky full and final, since they need the money far more than me,,,

and they havent sent me my cca,,,,,,

laters MAZ

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[underdog13]

Hi Maz,

unfortunately the default notice is valid - just my luck, lol. Not heard anything further from them yet and still not received my cca.

Thing is though, I signed an application form for a mastercard card; some years down the line they decided to swop this for a visa card. I don't recall signing any further agreements for the new visa - praying that may have some bearing!

Kind regards,
Underdog

[angel_1]

hello all

just had a very generic letter from lloyds reminding me that they havent had my payment and to pay immediatly, or tell them if im unable to maintain future payments

if i dont contact them or bring payments upto date their special arrangement will come to an end and the t and c payments will then be due (oh yeah when they finally furnish me with an enforceable agreement) lol

if im in financial difficulties or would like free advice - In Addition to what they are providing me with>>> available from other debt agencies cab etc etc

even being called dear sir/madam, my title would have easily given the game away to what i actually was! how rude!!! lmbo

********

So here we go again, another dispute letter and complaint i think now - well that might stir them a bit quicker than my other complaint with them that only took 3 months for a final responce letter,,,,,,,


happy holidays and wish you all a lucky 2009

i will accept any other advice from you all that you think would help

laters angel x

[underdog13]

Merry Christmas and a happy (and lucky) New Year, Angel