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Hi, I have a Lloyds TSB card from 1983, I have not requested the CCA yet, but wonder whether any one may have any feelings as to whether this is likely to be enforceable. I also have an Egg card from 1999 and have the original agreement, which I believe is probably unenforceable as it refers to "Approved Limit" and "Individual Limit" - not credit limit. Thanks in advance,
From information I've looked at on the site I would say that it is unlikely that Lloyds agreement is enforceable.
You could up-load the Egg agreement I am sure you will hear that its unenforceable, please remove any personal information before you do this.
Andy
Advice is based on my personal opinion, and what I have learnt from this forum.
If you need legal advice please consider consulting a lawyer.
Thanks for the reply, this was what I thought after reading much on the forum. As I have had heart problems I think I will now put this in the hands of a solicitor I have found who will take the worries out of my hands (for a reasonable fee). I have, and will continue to, maintain my payments until it is sorted in order to maintain my credit rating.
Hi, I never thought about that, the original agreement must have been with Lloyds as they were our bank at that time. Wonder if this will make any difference, I was just about to start the ball rolling?
I have one from 1989 if that helps - unenforceable they were just called TSB then although the terms and conditions they put on the back related to Lloyds TSB - hilarious!
Mine is from 1996 and was taken out as part of a current account. The current account was closed in 1998, but I kept the credit card. Hence no separate Credit Card agreement. I've been trying to find anyone else who has a card taken out like this but havent had much luck. Needless to say, the only thing I have had from ltsb is a reconsituted copy, which I am sure is fraud as there wasnt an agreement in the first place so how can they reconstitute it?
There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.
A quick follow up on this. I have put the case in the hands of a no win no fee company and have to day received a letter from Lloyds TSB stating
"As your agreement was before 19 May 1985 we have no obligation to supply you with a copy of your executed agreement. Despite this I have sent the following to *********, who are acting on your behalf.
Despite the fact that we have no obligation to provide you with a copy of the original signed agreement, we are endeavouring to locate a copy, but please be assured we would not have opened a credit card account without having sight of a signed statement.
To sumarise, the agreement you have with us is fully enforceable and we shall continue to treat it as such. We will not be entering into any further correspondence with you regarding the provision of copy agreements."
etc etc.
So I suppose that's me told then, as far as they are concerned I shouldn't bother them any more, or I will be ignored. As I am still paying the full monthly payment on this card and not using it, their response is hardly civil. They have increased my interest payments extortionately without due cause and yet I am a nuisance!!
Have to see what my claims firm says about this. Will post any further info as and when.
Lloyds TSB CCA from 1983
TSB card from 1983, I have not requested the CCA yet, but wonder whether any one may have any feelings as to whether this is likely to be enforceable. I also have an Egg
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