Gillytilly v LloydsTSB Loan

[gillytilly]

Jello all, my B/F has aloan with LTSB and sent a CCCA on 19 Jan 07. It was delievered to Peterlee on the 20 Jan 07. The £1 has been cashed 30 Jan 07. but i have not recieved anything back! When do i start action and what action do i start?

Please help

Gilly

[MARTIN3030]

They have 12 days from delivery of it to them to send you the info.After that any debts to which the application refers to remain uncollectable.(But they can still enforce if they come up with the cca request providing the account is not in dispute....attempts to recover monies should be suspended where the account is in dispute although we do suggest that you maintain any agreed payments made by arrangement if you are in a position to do so )
The clock carries on to make 1 calendar month (from their receipt)...if this day falls on a weekend or bank holiday then it moves to the next working day.If they fail to respond with the info by this time,then the debt becomes unenforcable.
There are various lines of enquiry if this happens.
Submit a complaint to the Office of fair trading and question their suitability to hold a consumer credit licence.
Contact your local trading standards and give them originals of all correspondence they will take copies and should take up a case for you.
Or you could file County Court action to force compliance and other things.
The ammended consumer credit act 2006 gives greater scope for addressing issues of consumer credit act breaches and the OFT claim they will come down hard.
Much of it comes into force in April next month.
Have a look in the debt forums for further info or visit the Oft website for recent changes that could assist you further.

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

	Disputed account materials Follow this link to our library of materials to help you try to deal with the problems of defaults on disputed accounts. It is contrary to Information Commissioner guidelines and also contrary to the banking code to default disputed accounts. However, it happens all the time.

[gillytilly]

Right, broadband broken, so using work pc now.... opps dont tell the boss.... opps thats me lol.

Right sent another letter ref the loan stating that they have failed to comply and have contacted for FSA and Information Commissioners Office with a complaint. Just wait and see now.

Gilly