CCA Letter Needed

[Trampdog123]

Hi guys,

I'd like to send a CCA request to Lloyds for a Credit Card they hold of mine. Please could someone point me in the right direction.... I can't seem to find one at the moment.....

Thank you for your help.
J

[silverfox1961]

Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully
Mr A N Other

[silverfox1961]

That's the one
fox

[Trampdog123]

Thanks Fox, I've printed.... and posted it recorded delivery..... now the clock starts ticking.... what is the time period Lloyds have before they are committing an offence?... Let's just say I have a feeling they wont respond as the CCA is over ten years old!!

Thank you for your help.
J

[silverfox1961]

There has been a bit of confusion. It used to be said that they had 12+2+30 days before they committed an offence. the 30 days have been struck out as nobody ever got prosecuted but I think once the12+2 days have passed then they are in default anyway.

Could you say whether any payments have been made in the last 6 years. If not then it could be statute barred. If not then ignore that last sentence LOL

fox

	Statute barred In principle, a debt cannot be enforced after 6 years from the date upon which it became due. The 6 years runs from the last time that the debt was acknowledged in any way or from the last time that a payment was made towards the debt. Once a debt has lapsed, it cannot be revived - even through a subsequent acknowledgement or payment. The relevant law is contained within the Limitation Act 1980.

[Trampdog123]

Update - CCA finally signed for at Lloyds Head Office (after I sent three others by recorded mail and none of them got signed!!) I've now done it Special Delivery and have a signature .......... So the clock is ticking down......... My phone hasn't stopped ringing tho with silly random people shouting my name down the phone and then a recorded message on my answer phone ....

PS. Payment have been made upto this year.

[Trampdog123]

Hi guys,

I need some advice please.... A friend of mine works as a solicitor and one of his colleagues is a CCA specialist... He asked for advice for me regarding CCA requests and she informed him that banks don't have to provide 'signed copies' of the Credit agreement only the T&C's to comply with a CCA request.... Now this appears to have a huge impact on some people on going battles if it turns out to be true.....

I'm sceptical about it...... but have no reason not to trust this advise as I have no direct connection with this person.... Apparently once the bank sends us new terms and conditions and we use the card we are accepting the new T&C's.. As such to my view it appears the banks are trying to stick us up again!! Please let me know your thoughts.....

But can the bank opt out of the 1974 CCA with their T&Cs?? Guess that is the real question?!?!