Oldchap v Lloyds TSB Credit Card.

[Oldchap]

I disputed my Lloyds TSB CC and issued formal notice etc several months ago.

They failed to comply and continued to add interest and charges to my account, finally last month they withdrew over £270 from my current account to cover the outstanding payment on my CC dispite the account being in default.

Is this illegal ?

Lloyds TSB sent me documents referring to an agreement although not originals and not clear, they have also made handwritten alterations to these documents.

Is this unlawful ?

Any advice welcome ...

[maroondevo52]

Hello and Welcome, Oldchap.

I've started a new thread for you in the Lloyds Forum.

It's always advisable to only have one account with the same Banking group as they will 'offset' as you have found out, whether or not they can or should do this whilst the account is in Dispute is another matter.

Could you possibly scan what they have sent you, removing all personal details.

Regards.

Scott.

[Oldchap]

Many thanks for redirecting me, I'm new to this but have found many links invaluable.

Please find attached the 'so called' Lloyds c/c agreement although their copy was not clear or legible. The 2 pages were separate sheets and had no numbering to link them i.e. page 1 of etc. I also cannot find any reference to credit limit and am not sure if this is relevant

This asset account was one held many years ago which was closed and changed for a platinum account so the numbers on the top of the agreement (blanked out) do not relate to the c/c in default.

Where I have circled in red, although personal details have been removed, changes have been made to the document and someone has initialled them and this is definitely not me.

Where my signature is at the bottom the date has been altered, again not in my handwriting. The second page is puzzling because the date at the bottom of page one which looks like 28 07 2000 (28 looks to have been changed as does the 1 to a 7) compared to the second page signature date of 24/7/01 (someone I guess from Lloyds) ... this is a year later !!

Any help would be gratefully appreciated.

[Oldchap]

Hi Scott

This time, attached is the letter received from Lloyds (first 2-pages) and a 4-page document, both of which I have never seen before.

The latter includes an unsigned, undated cancellation form but they did enter my details at the top which I have blanked out.

Finally, on the 4-page document in point 15.1 they refer to 17.4. However, there is no 17.4 that I can find.

[Oldchap]

someone please please help I'm not sure what my next steps are or what letters to respond to Lloyds with

[maroondevo52]

Hi, Oldchap.

I've asked someone to have a look at your 'agreement', hopefully they will get back to you shortly.

Regards.

Scott.

[Oldchap]

Thanks Scott

I'm in despair as many others are too I'm sure.

[42man]

What you have to consider also is how a judge potentially sees it too...and they do vary wildly, it seems the prescribed terms are there but, whether a judge will allow the terms to be part of the 'signature' document is another question....

[42man]

I'd also consider opening up a parachute account also as they will offset against a debt from another account.....have you received a default notice ?

[Oldchap]

Thanks, I’ve opened a parachute account and its up and running.

They have not served notice on me but I have on them.

Does the fact that it has been altered without my knowledge have any relevance ?

Does the fact that the counter signature was dated a year later bear any relevance ?

[citizenB]

I would be a little concerned that there have been alterations made to the original document after you signed it.

IMHO, you are entitled to see the original terms and conditions in that otherwise you wont know what exactly has been amended.

There is also a question mark over the document they have provided in that as you say, a reference is made to a clause which doesnt exist.

[Oldchap]

Is there a letter template somewhere I could use to reply requesting such a document ?

I've search but cannot find one.

[Oldchap]

Can anyone tell me what my next steps are Lloyds are now harassing me for an account which remains in default.

Do I send a Subject Access Request ?