the_scorpion
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Anna1s1 started following the_scorpion
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No probs, will do. Thanks
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For some reason I can't get back onto the other thread. I thought it was deleted but yes it's the same account. I've read on other threads that it can't be sold as it's a breach of the cca so just thought I'd check
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I have a bank loan that's been in dispute for about six years due to Lloyds not complying with a cca request. It has now been sold and the new company are asking for a payment plan to be put in place despite being told the account was already in dispute. Can they do this?
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Thanks for that. I wasnt sure since I originally sent a request back in 2008 and still never received the cca
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Hi all, it's been a while and I have an update. It turned out that cca they had sent me was for another account that I hadn't asked for and not this one. At the time I hadn't noticed the account number being different and as I wasn't expecting another I thought it was the correct one and eight years on I'm still waiting for it. I did tell them at the time it was the wrong one but I've never received the correct one. The reason I'm back is for some more advice. I kept my reduced payment up until about two and a half years ago and then stopped it due to being ill and getting next to no money. Last week I received a letter from Lowell saying they now own the account and want payment. Does my dispute still carry onto them or do I need to start again by sending another cca request? Thanks all
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Thanks for that. I will have a read a yours.
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I currently have a loan on a payment plan as I had to give up work due to ill health. A CCA request was made and I eventually received it and it shows PPI was on it. A claim was made on the 1st of June last year through their own team dealing with these claims and at first they said no PPI was on the account when I said I had the paperwork showing it they said they would look again. I’ve never been contacted by then but I have phoned them several times but all I get told they will pass a note to the team. Anyone any suggestions as what to try next? Thanks
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I have a loan through Lloyds TSB that I took out around 2004 and it has PPI included. The account at the moment is on a payment plan through Lloyds and I was getting help in this thread below after hitting problems with first credit. http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/153703-help-1st-credit.html It has been suggested on that thread that I may be able to reclaim the ppi but I don’t have a clue if I can or how I go about it. I pay the loan at a reduced rate just now and they did produce my CCA so I don’t know if that goes against my claim. I have attached a copy of the cca and would appreciate any help. Thank you
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Thanks all for the help and information. I will have a look at reclaiming the PPI.
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Probably a silly question but what would be wrong with the figures (APR)and who would i get to look at it? Do you think I could reclaim the PPI? Thanks again.
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citizenB, This is all they sent me. No terms and conditions. From what I remember the payment plan had to be included in order to get the loan and yes it is included in the payment plan.
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Out of the blue Lloyds have sent me this. Would I be right in guessing that this is my CCA and therefore my account is no longer in dispute? It did have my signature on it at the bottom. Thanks all.
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Thanks for that. I think Lloyds only put you on their internal payment plan so to speak for about a year so when the years up I just assumed they wouldn't be able to send it to a DCA this time as the account is still in dispute. I will just need to cross that bridge when and if it happens. Thanks again
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I think I have achieved what I wanted to be honest. I was quite happy paying my reduced payment until the short term agreement ended and Lloyd's passed it to a DCA. Now that it is back on a payment plan for an amount I can afford I am quite happy to pay it but I just wondered if it was still in dispute so if the payment plan ends again then I know it shouldn't be passed to a DCA due to it still being in dispute.
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Sorry for the delay in answering but I have been unwell. I don't know if i did the right thing or not considering the account is in dispute but I made payment plan arragements with Lloyd's. I had originally been on a plan but they removed me as the time I could stay on it had expired and thats when I hit problems with First cretins and the Apex. I also had a look at my credit file and this account shows as default. should it show as that as the account is/was in dispute. Can that be removed? Does the account still stay in dispute even if i am back on their payment plan as long as they don't come up with my CCA? Thanks all.
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