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.
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.
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.
Any advice I give is honest and in good faith.
If in doubt, you should seek the opinion of a Qualified Professional.
If you can, please donate to this site.
Help keep it up and active, helping people like you.
If you no longer require help, please do what you can to help others
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 !!
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....
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.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Oldchap v Lloyds TSB Credit Card.
TSB CC and issued formal notice etc several months ago.
Reply With Quote
Re: Lloyds TSB - credit card
Re: Oldchap v Lloyds TSB Credit Card.
Re: Oldchap v Lloyds TSB Credit Card.
