Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. #1
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    shane 1 Novitiate

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    Default i have written to llyods tsb for credit aggrement

    hi guys i wrote a letter requesting a copy of the credit aggrement and sent postal order and used the template from this site and sent recorded on the 26march but have heard nothing what do i need to do now they are still ringing me and say that is now in the hands off there soliciter ,i recieved another letter this morning saying that i now have seven days or this will be passed over to some one else


  2. #2
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    shane 1 Novitiate

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    Default regarding credit agreement

    hi guys i used the templates from the site asking for a copy of the credit agreement which i sent on the 26march with a 1 pound postal order and have not heard nothing from them i have sent statment of earnings which they dont reply to they are ringing me 8 or so times a day,today i have recieved a letter saying that if i dont settle the ballance it will go into the hands of there soliciter , when some guy rang earlier i told him that i had sent a letter asking for a copy of the credit aggrement and he said no such thing had been recieved by them i sent it recorded but no reply (it is llyods tsb that i am writing too
    any help would be great


  3. #3
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    Default Re: regarding credit agreement

    What is the debt for ? This is the follow up letter to send if they are in default of your request (12+2 working days after you sent the agreement)....

    Send this recorded too - http://www.consumerforums.com/resour...timescale.html

    PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

    DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk...65-legislation

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  4. #4
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    shane 1 Novitiate

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    Default Re: regarding credit agreement

    yeah srry mate its a credit card and thanks for the link


  5. #5
    JGJ JGJ is offline
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    Default Re: i have written to llyods tsb for credit aggrement

    shane1

    Have you checked that Lloydsicon received your recorded signed for delivery letter.

    Check Royal Mail track/trace site to make sure it was delivered.

    Lloyds are well over the prescribed time to acknowledge your CCA request, time to send the second letter Acc. in Dispute.

    The last thing Lloyds will want to do, is send you a true copy of your agreement, thus the threatogrammes,believe me they are very very good at not receiving Letters etc.

    Do not speak to them on the phone always insist on comms in writing. As I previously stated they do not like to address your requests and they will procrasternate as much as possible, hoping that you will concede your legal request for a true copy of your agreement.

    "EXEMPLO DUCEMUS"


  6. #6
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    Default Re: i have written to llyods tsb for credit aggrement

    seems this is correct it seems that it has not been delivered so what do i do now i have spoken to royalmail and said that they will now look at why they havent delivered the letter, is it just that no one will sign for it


  7. #7
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    Default Re: regarding credit agreement

    have checked with royal mail and the letter has not been delivered so im assuming they havent exceapted it so if this is the case what do i do now


  8. #8
    JGJ JGJ is offline
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    Default Re: i have written to llyods tsb for credit aggrement

    shane1

    1) Either await for Royal mail answer re non delivery,they may have delivered it, but their system has fallen somewhere. Keep at them.

    2) Send another letter, I have always been fortunate in that Royal Mail have always, (up to now) managed to deliver, as long as you have their delivery certificate the time for the bank to reply is 12+2days

    I think I would go for (2) Royal Mail could take to much time and you have to make sure the bank have received your letter, you need to maintain the paper trail as the bank will/could deny any knowledge.


    "EXEMPLO DUCEMUS"


  9. #9
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    Default Re: i have written to llyods tsb for credit aggrement

    I agree, get another s77 request letter sent right away, i would send it by special delivery too, guaranteed by 1pm the following day...


  10. #10
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    Default Re: i have written to llyods tsb for credit aggrement

    got a none delivery from royal mail now they will open a dispute have also sent by special delivery that was also un delivered this is mad the address is validated post code sp10 1re


  11. #11
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    Default Re: i have written to llyods tsb for credit aggrement

    What address are you sending letters to??


  12. #12
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    Default Re: i have written to llyods tsb for credit aggrement

    this was the addess i used Charlton Place, Andover, SP10 1RE,is there another kind regards shane


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    Default Re: i have written to llyods tsb for credit aggrement

    hi,
    just reading your thread with interesticon. I too have had no luck in getting ltsbicon to sign for my CCA request.
    The address That I used is 25 Gresham Street, London,EC2V 7HN (this is their registered office) according to the back of the cc statement, I sent this at the same time to several other companies and so far only 1out of 4 has signed for the letter. (sent 16th April) all of them seem to have mysteriously disappeared????? I was thinking of sending another copy by special delivery but having read your comments it seems unlikely that it would be delivered either, anyone got any ideas how to get round this problem.


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    Default Re: i have written to llyods tsb for credit aggrement

    Just send it to your branch, that's where i sent mine and i got a response from the Charlton Place, Andover address so they must direct it to them...


  15. #15
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    Default Re: i have written to llyods tsb for credit aggrement

    hey thanks for the beavis i never thought of that i have since sent another to Service Recovery Lloydsicon TSB Bank Plc Three City Parkway The Droveway Hove East Sussex BN3 7AU by special delivery and guess what it never got there


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    Default Re: i have written to llyods tsb for credit aggrement

    I got my credit agreement today after lots of messing about but i sent it to the 125 Colmore road, Birmingham address and i finaly got a reply. Saying that, the address on the letter from them was PO Box 43, Peterlee, County Durham, SR8 2YQ. So it might be worth a try there


  17. #17
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    Default regarding cca

    hi all i wrote t0o Lloydsicon tsb on the 1st of april requesting my cca they did recieve the letter cause they signed for it my i never gor nothing back then i sent the second leter on the 22april then on the 19th of may i recieved a letter saying that this is my credit aggrement for my credit card it says on the top credit card acceptence form and aggrement is this what im after and if it is why did it take 50 days to get here any help would be great
    shane


  18. #18
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    Default Re: i have written to llyods tsb for credit aggrement

    Hi, shane.

    I've merged your three threads, please stick to this one now, as it makes things easier for people to help you when they know exactly whats been happening regarding your problem

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

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  19. #19
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    Default Re: i have written to llyods tsb for credit aggrement

    will put a copy up of my aggreement but i guess its right just dont know if the 55 i waited for it make it legel



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