Loan Company will not supply original loan document

**Bev77** · 7th August 2006 16:14

My hubby rang Lloyds icon

to try to get a copy of his original loan agreement as we have misplaced ours. They told him that he wasn't entitled to that information, but that they would send out "loan statements" which just show how much they loan was originally for, how long, apr, and monthly payments.

We are in the middle of claiming back charges from Nationwide icon

(nearly concluded), and Lloyds will be next. I've been following Janeyb's thread whereby she managed to get her loan amounts refunded as well as her charges. We were in the same sort of situation and got 2 loans through Lloyds within 1 year of each other. I'm looking to include the original loan agreements with the N1 form when I take in into the court. I'm just waiting to get these before I apply it to court.

I've just been looking through the thread entitled "Loan company cannot supply original agreement", and i noticed Alanfromderby mention that there is a draf template letter in another thread re sending off a CCA request.

I have looked and looked but I just cannot find it. I am no good with legal/technical jargon, so I hope someone can point me in the right direction. As I'm sure this is what I need to do now.

Please correct me if I'm wrong.

Bev

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**lickthewallfatboy** · 7th August 2006 16:23

try this-simple and to the point-

Dear Sir/Madam
xxxxxxxxxxxxxxxx

I am writing to request a true copy of the signed agreement under the terms of the secs. 77(1) and 78(1) of the CCA 1974.

I enclose the statutory maximum fee of £1 in the form of a postal order.

Yours faithfully

xxxx

**Bev77** · 7th August 2006 16:29

Thanks for that. I wasn't too sure of the exact wording of the clauses of the CCA.

I'll get that sent off first thing tomorrow

Cheers

Bev

**Bev77** · 7th August 2006 17:36

Just out of interest icon

, does anyone know why it's only £1 for the info when it's a CCA request but £10 for the info with a DPA request?

What does the CCA request cover? Obviously loans, but what else? Credit Cards? Store finance? (eg, PC World/B&Q/etc)

EDIT: Also, as there are 2 loans, do I need to send 2 letters with 2 seperate £1 fees? Or just 1 letter with 2 fees, or 1 letter with 1 fee?

**pford** · 7th August 2006 19:57

template letter you are looking for is here

**Bev77** · 7th August 2006 21:16

Thanks pford.

Does anyone know if I should send £1 for each loan? in 2 seperate letters, or 1 letter?

Cheers

**pford** · 8th August 2006 08:22

might be better asking this here lots of info on this subject

**noomill060** · 24th October 2006 12:24

The CCA came into effect on 31 December 1974, when £1 was worth a good bit more than it is now.

It would have bought you ten Curley Wurlies or forty Milky Way bars.

**noomill060** · 24th October 2006 12:26

.........or three pints of Double Diamond bitter.

**noomill060** · 24th October 2006 12:26

.....and you still have change for a bag of pork scratchings.

**noomill060** · 24th October 2006 12:30

So £1 in 1974 would buy about the same as £10 does now, its just just the fee has never been increased.

(Werent Curley Wurlies expensive back then?)

**blackrain** · 27th October 2006 13:57

I remember buying 10 JPS for about 40p. Well, trying to. Victoria Wines wouldn't serve me as I was only fourteen!

**noomill060** · 30th November 2006 14:36

Quite right too.

This site does not condone the sale of restricted goods to under age persons.

(Although my local off licence never asked me for my age when I wanted a bottle of Woodepecker and 10 JPS! when I was a teenager! Shocking.)

**thomass1949** · 27th May 2007 12:12

Hi Can someone help me. I have a loan with Lloyds icon

which is still current and one that is repaid. I initiall began chasing LLoyds re PPI's as they have repeatedlyrefused to comply with my claims when I have been unemployed or on SSP. I am now in process of pursuing a claim of mis-selling the PPi's for each loan. I contacted LLoyds and asked for a copy of both loan agreements. I was informed by their department at Peterlees that they did not have copies and that their were held at the branch. I visited the branch and informed them that I had been informed that they had the documents. They told me that they would have to look in the safe and would contact me to tell me when to collect the copies. Two hours later I had a phone call icon

from the manager at the branch. She informed me that they did not have any copies of my loan agreements and that I was to write outline my complaints and issues re the PPI's. She would then ask Peterlees for copies which she knew they didhave as it had already been confirmed by one of her customer service clerks. This apparentlhy would solidify my compaint and work in my favour.!!!!!!. However, having read the above threads I am wondering where I now stand re their inability to find any copies at all. Could someone please give me advise on how to proceed from here. Many thanks.

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