Lloyds TSB Mastercard

[N.P]

Hi everyone,

 

I`ve just been thinking. Has anyone had any dealings with Lloyds TSB Mastercard? If so, do they often show up with a CCA?

 

I was wondering this because this last week I missed a payment to Lloyds Card, even though I put sufficient monies in the bank on the same day. The result was a £35 missed Direct Debit charge and also a £12 missed payment charge on my card.

 

They have recently been calling upto 4 times a day upto 8.00pm at night.

 

Should I throw a spanner in the works and CCA Lloyds Mastercard and also SAR them?

 

I don`t mind causing a stink as they have peeved me off and ripped me off with charges in the past and have started again.

 

I look forward to hearing from you all.

 

Regards

 

 

N.P.

[spiritgirl59]

Hi N.P.

 

I can't speak for Lloyds Mastercard but I have successfully claimed back all my bank charges in full from Lloyds against three different accounts.

 

They are very quick to add hefty charges and as you say they are a complete rip off, so I wouldn't hesitate in claiming all those back.

 

Love Spiritgirl x

[payingonlyencouragesthem]

How long have you held the card? If you have had it for more than 6 years then CCA them. Obviously SAR them too if you think you have charges to claw back.

[N.P]

Hi there,

 

Thanks for the replies.

 

I`m not sure exactly how long I`ve had the card. I think it`s round about 5-6 years. I could have a check on the online banking to see how far that goes.

 

Thanks again

 

Regards

 

 

N.P.

[speedtrip]

whats the significance of the 6 years, ive been Lloyds since leaving school in 1980 so my credit card must be over 20 years old ... will it help me?

[diskmandave]

LTSB don't have a good track record when it comes to providing documentation for 'older' accounts.

 

Regards, Dave.

[N.P]

Hi again,

 

Thanks for the posts speedtrip and diskmandave.

 

I might have only had the card around 5-6 years but I have been with TSB for 22 years, not that that makes any difference, I still hate them!

 

Diskmandave, from what I`ve been reading on CAG you are one of the top boys with regards to DCA`s and debt etc, no offence or joke meant there mind. But, I was just wondering, have you yourself had any dealings with the morons at Lloyds TSB or Lloyds TSB Mastercard?

 

I have a overdraft which I always live in and a Mastercard with them which is maxxed out and I would just like to know what I`m getting myself into.

 

I look forward to hearing from you again.

 

Many thanks

 

 

N.P.

 

 

P.S. This site is so dammed addictive isn`t it? I thought ebay was until I ran out of money buying things that I didn`t really want or would never use

[Having_A_Knightmare]

LTSB don't have a good track record when it comes to providing documentation for 'older' accounts.

 

 

I agree with Dave they sent me a lovely application form:D

[N.P]

Hi Knightmare,

 

Thanks for the post.

 

What product do you receive the application form for? Was it the Lloyds Mastercard?

 

Regards

 

 

N.P.

[Having_A_Knightmare]

Hi

 

Yes it was a mastercard back in 2003

 

Cheers

 

Ro

[N.P]

Hi Knightmare,

 

Ok, thanks for that.

 

I recently missed a payment, so when they send out the snotty letter, I`ll CCA and SAR the muppets, LOL.

 

Regards

 

 

N.P.

[diskmandave]

I was just wondering, have you yourself had any dealings with the morons at Lloyds TSB

 

You could say that! LOL!!

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68852-ltsb-no-agreement-game.html

 

Regards, Dave.

[N.P]

Hi again people,

 

Right, it`s time to launch an assault on Lloyds TSB Mastercard.

 

I received a snotty letter from their Collection Centre in the week, moaning that I`d missed a payment and it was in their T`s & C`s that they can take it out of any other Accounts I may have with them. So, they are going to take it out of my Current Account, as well as next months payment.

 

Looks to me like a good oppotunity to send a CCA to the Collections Centre and a SAR to Lloyds Card Services.

 

Just a quick question, is the CCA letter in the templates library suitable for Credit Cards? I was just wondering as it mentions Consumer Credit Act 1974 (s.77(1) for fixed sum credit.

Do Credit Cards fall under the fixed sum credit?

Just thought I`d check this out before I commit myself.

I look forward to hearing from you.

Regards

N.P.

[diskmandave]

Do Credit Cards fall under the fixed sum credit?

 

No. Credit cards come under Section 78(1), running account credit.

 

Regards, Dave.

[N.P]

Hi diskmandave,

 

Thanks for that. So would I just need to change that particular line accordingly?

 

Also, I sent Argos Card the standard template, which is basically a Credit Card using? Would that make any difference? Morecrap are dealing with that now but haven`t showed up with anything for almost 2 months now? That would also be a running account credit wouldn`t it?

 

Regards

 

 

N.P.

[N.P]

Hi again,

 

If your there DMD, is this correct for a Credit Card?

 

This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78(1) Consumer Credit Act 1974 (s.78(1) for running account credit) – your obligation also extends to providing a statement of account.

Regards

N.P.

[N.P]

Bump please!

[diskmandave]

Looks good to me.

[N.P]

Hi DMD,

 

Ok, cheers, thanks for that.

 

I`ll print it out now and ask my girlfriend to hand it into the bank tomorrow, sealed in a envelope of course.

 

Cioa for now

 

Regards

 

 

N.P.

[make them aktiv runners]

Hi everyone,

 

I was wondering this because this last week I missed a payment to Lloyds Card, even though I put sufficient monies in the bank on the same day. The result was a £35 missed Direct Debit charge and also a £12 missed payment charge on my card.

 

N.P.

Can you expand on the above please. I am a little confused. If there was sufficient funds in your account why has your bank charged you £35 and Lloyds TSB £12? The only thing I can see at the moment is that the direct debit was requested at sy 10.00am but you did not make a deposit until say 2.00pm the same day.

[rory32]

You may also wish to consider moving your current account to another bank so they can't take money out of it.

 

Also, I sent Argos Card the standard template, which is basically a Credit Card using? Would that make any difference? Morecrap are dealing with that now but haven`t showed up with anything for almost 2 months now? That would also be a running account credit wouldn`t it?

Yes it would be running account credit. As long as you didn't alter the template, as it uses both s77 & 78, it will be fine.

[N.P]

Hi guys,

 

Thanks for the last two posts on this thread.

 

We dropped into the Lloyds TSB on Friday evening with 2 letters for them (sealed in envelopes).

 

One was a SAR for Lloyds TSB Credit Card and the other was a CCA for Lloyds TSB Collections.

 

We were going to did it a week ago but we have had some sort of stomach bug.

 

Anyway, I got a receit just as proof of delivery, so that saved me a few pounds on Royal Mails appaling service. So, I`ll just wait and see what happens.

 

Regarding the last two posts:

 

Can you expand on the above please. I am a little confused. If there was sufficient funds in your account why has your bank charged you £35 and Lloyds TSB £12? The only thing I can see at the moment is that the direct debit was requested at sy 10.00am but you did not make a deposit until say 2.00pm the same day.

Yes, that is basically what happened. Looking at the online statement, nothing came out when I looked at 5am before going to work. My girlfriend put some money in around lunch time, but the statement shows the Credit Card withdrawl listed first, followed by the deposit. I still think they are taking the ****, as yesterday morning I received their new Charges guide which states if you go overdrawn and you put the money back in your account the same day before 3pm then you won`t be charged. This actually takes affect from September 2nd, the day after my charges are due to be paid. God! I hate banks! They are so greedy and just rip people off every day of their lives.

 

Lloyds Master Card are now due to take out 2 months next time around, instead of one. So that`s why I decided to SAR and CCA the mo-fo`s.

 

Rory32, I did make a slight edit to the CCA, based on diskmandaves help. It`s in Post 16 on this thread. I simply changed it to a running account credit instead of a fixed rate. Would that be ok?

 

Also, how do you guys copy and paste blocks of text from posts? I mean with the grey/blue background box likes rory32`s just above?

 

Anyway, time for bed.

 

Thanks again guys for your help so far. I keep you posted as to their snotty reply, which I`m obviously going to get.

 

Regards

 

 

N.P.

[rory32]

I simply changed it to a running account credit instead of a fixed rate. Would that be ok?

 

Absolutely fine.

 

how do you guys copy and paste blocks of text from posts?

Have a look here http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

[N.P]

Hi again,

 

Just a quickie as I`m trying the QUOTE reply.

 

Absolutely fine.

 

Have a look here "How do I...?" A Dummies' Guide to this Forum

 

Ok, thanks for that rory32, I think I`ve got it now.

 

Regards

 

 

N.P.

[N.P]

Hi boys and and girls,

 

Just a thought regarding the letters I dropped into the bank on Friday.

 

Do I still give the CCA 12+2 days and the SAR 40+2 days allowing for delivery? Or do I just give them both a straight 12 and 40 days as it was handed directly into the bank?

 

Also, do you include Saturday and Sundays or just Monday to Friday?

 

Just thought I`d check before hitting the launch button on these numpties.

 

Regards

 

 

N.P.