Diceman321
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Anna1s1 started following Diceman321
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Good point! I will send the SAR request to Lloyds tomorrow morning and wait...
- 10 replies
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- cabot
- lloyds bank
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Hi. I cant remember if I did sign anything, not being evasive! just really cant recall I will SAR Lloyds to determine what is available on this account Do I need to inform Cabot I am doing this, as I know it takes 40 days. They currently have put my account on hold for 21 days, I'd prefer to keep the days going as long as possible! Thanks
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- cabot
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Thanks for the replies Yes, the account is shown as defaulted 09/2015. opened 01/2000 Assigned to cabot 04/2017 Thanks for the links, will take a good look at these
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- cabot
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Will upload when back from work. I had researched regarding CCA for overdrafts etc and think I'm there with them not being covered. What I am looking for though are the terms and conditions I signed to originally for 2 main reasons. Firstly I want to determine any unfair charges, what the rate of interest was etc and secondly If I was issued a default notice, what terms did I default on? It must state somewhere a reference to why they are defaulting the account against the original terms - or does it? Also the lack of statements annoyed me, as I am unable to look into where all the charges arose.
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- cabot
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Hi I had a current account with Lloyds, opened 2002. I stopped servicing this account in 2015, with an overdraft of £1,900. The account was assigned to Cabot 9 months ago. When I was notified of this assignment I wrote to Cabot to verify that they had the rights of the account and were in a position to request payment. I requested from Cabot copies of the original agreement I would have signed when it was set up, the terms and conditions, a full statement of the account, the notice of assignment and the default notice. After a long wait they have written back stating: "we contacted Lloyds for further information. Unfortunately, they have been unable to provide a copy of the agreement as when your account was opened, they were not obligated to retain this information" they include a few statements from 2014 to present there was no default notice they included a copy of the assignment notice Without the original agreement and terms how am I able to proceed , I would like to determine the charges applied etc and understand the terms Can I request the statements from day one of the account, or should I SAR Lloyds? I don't recall receiving a default notice, so I would like to see a copy of this too. What is the best form of reply here? Cabot end their letter: "I believe the evidence provided verifies the outstanding balance. " does it? Thanks
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- cabot
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Has there been any further outcome here? I've a similar situation and was wondering how this turned out for you
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