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furnitman2003

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  1. Yes, I'ts Their head office, Lloyds have so many different departments, that whichever dept. you right to they could write back and say 'we don't deal with this, you need to write to....' This way head office have (or should) pass it to the relevant dept., let them do the work why should we Alan
  2. Update Sent this Hi I've sent this 'Home Visit' letter today (monday). ammended slightly. (see below) also enclosed letter BLS sent ( threatening visit ) also enclosed copy of original 'Harassment letter' sent back in January 08 lets see if that stops the calls, Incidently I had another call Friday, I was out, message left, "This is for Mr Alan C_________ (First name terms, I don't think so) please ring to discuss a business matter" No chance! ---------------- To Lloyds TSB 25 Gresham Street London EC2V 7HN 30th June 2008 Re: Credit Card Account. ---- ---- ---- ---- BLS Collections Ref. Number ------------ Dear Sir/Madam Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me, yourselves and via your internal 'Collection' departments namely MHA Collections and in particular BLS Collections by telephone over the past few weeks/months most of which have been duly logged by time and date. Be advised that you have already recieved an 'Harassment by telephone' letter dated 27th January 2008. ( I have enclosed a copy of that letter for your attention, take note, the contents of that letter also applies to your internal collection departments whatever they choose to call themselves). In view of the fact you have chose to ignore it, I am now informing you that your continued harassment of me by telephone has put you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. You are also in breach of the Wireless Telegraphy Act (1949). Therefore, as you were warned, you have left me no option than to send a report to both Trading Standards and The Office of Fair Trading, Furthermore, should it be your intention to arrange a “doorstep call”, or in the words of BLS Collections a personal visit, ( I take that to mean a Home Visit), please see enclosed copy of the letter from BLS, (I've circled the relevent 'threat'). Please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. or anyone acting on your behalf. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Yours faithfully A R C-------- ----------------------------- Ive also phoned Trading Standards who put me through to Consumer Direct, They have given me a Ref.Number,The Oft are sending me a Complaint Form, as I could not find on on their Site.Alan
  3. Just to clarify This is the last letter I sent to Lloyds, and the one I am still awaiting a response to. To Lloyds TSB 25 Gresham Street London EC2V 7HN 2nd April 2008 Re: Your Response to my CCA Request. (Made by myself, on 3rd January 2008 and recieved by you on the 4th January 2008) which you sent to me in a plain brown, hand written, addressed envelope, without so much as a covering letter apologising for the delay. Dear Sir/Madam Re: Account number: xxxxxxxxxxxxxxxx 8726 I am in receipt of your 'letter', which I recieved on Thursday 13th March 2008, the contents of which are noted. Thank you for sending me what you have confirmed to be a true copy of the credit agreement that exist in relation to this account. As you have sent this document in response to my requests under Section 78 (1) of the Consumer Credit Act 1974, then this statement by you is now binding on you as per section 172 of the Act. Section 172 states: 172 Statements by creditor or owner to be binding (1) A statement by a creditor or owner is binding on him if given under- section 77(1), section 78(1), section 79(1), section 97(1), section 107(1)©, section 108(1)©, or section 109(1)©. This means that the document you have sent is the only document you may now rely on in any attempt at enforcing these alleged debts. Any further documentation you may present is irrelevant as you did not provide it in response to my lawful request. I maintain that these alleged debts are completely unenforceable under Section 127 of the CCA 1974. The CCA 1974 is clear on what agreements must contain in order to be enforceable, even in court. For full details I refer you to the excellent guidance from the Office of Fair Trading. For cancellable agreements, you can find the guidance at: For non-cancellable agreements, you can find the guidance at: For your further convenience, I also refer you to the guidance on Debt Collection here: Page 1 of 2 At the very least, an agreement must contain the following within the signature document to be enforceable, even in court: A credit limit or a statement as to how this will be determined. An APR. A schedule of repayments. These are the prescribed terms as required by the Act and subsequent Regulations. There are also many other things, which are called required terms, that should be in an agreement. These include: Details of default charges. Statements of protection for customers. The agreement you have sent me fails to include all of the information needed to make it enforceable, and therefore it is completely unenforceable under Section 127 of the Consumer Credit Act 1974. For your information, you can find a copy of the CCA 1974 here: I am aware that Section 127 was repealed in the Consumer Credit Act 2006 but this is not retrospective and applies only to agreements signed after 6th April 2007. For information on this, you can see the 2006 Act here: I refer you particularly to the Transitional Provisions outlined in Schedule 3 which confirm that the repeal of Section 127 is NOT retrospective. You deny that the document you have sent me fails to comply with the CCA 1974. In that case, given the FACTS I have outlined above, perhaps you could direct me to all of the prescribed and required terms in the agreement you have sent me. I think you will find that they are not there. Once you have confirmed for yourself that they are not there, perhaps you would be so kind as to point me in the direction of the relevant legislation that allows you to enforce an agreement that is clearly unenforceable under Section 127. Again, I think you will find that this legislation does not exist. The case law in these matters is clear. The case of Wilson and others v. Secretary of State for Trade and Industry makes it clear that if a creditor does not have the correct paperwork to comply with the CCA 1974, then they cannot expect to benefit from this. Under these circumstances, the creditor loses all rights within the agreement, including the right to money already given out. You can find the full judgement of this case here: Once again, I challenge you to give me an example of case law that supports your view that you may continue to seek to enforce an unenforceable agreement. At the risk of repeating myself, I think you will find that there is none. In light of all of this information I have given you, I do not see how you can possibly maintain that this agreement is enforceable. Should you wish to try and construct a case (that has a basis in law) then I would be most interested to read it. If you cannot construct such a case, I expect you to confirm (within 21 days) that all collections activity on this account will cease. I await your response with interest. Yours sincerely Mr A R xxxxxxxxxxxxx Page 2 of 2 Alan
  4. Thanks for that. The Text was in paragraphs when I typed it into 'Wordpad', but when I copied and pasted it into the reply it came out as a block, I should have typed straight into the reply, sorry. I have sent them the Harrassment by phone letter, but not the Visit me Letter, will get it sent off asap Thanks again for your help. Alan
  5. UPDATE, The Story so Far.Hi allI still have had no response to my Letter sent to Lloyds on the 3rd April, (In which I Challenged them that what they sent me is just an application and not an enforceable Agreement, and that what they sent me is all they can now rely on if it goes to court,).MHA collections have stopped contacting me however I am now recieving calls and letters from BLS Collections of Oxford. I recieved one on Sunday afternoon(22nd June) I was out. So rang them Monday and told them I will not discuss it with them as account is in dispute, they offered to reduce balance by £600 pound, I told them to put anything they have to say in writting as I am now going via the FOS route and compiling a complaint to the OFT. I then recieved this Letter today (Tue. 24th) from BLS Collections:-Dear Mr xxxxxWe have been instructed by our client, Lloyds TSB Bank Plc, to recover the balance due of £1.169 under their reference number 43---------We would advise you to make telephone contact immediately with your proposal to clear the debt.Falure to do so may force us to make contact by telephone or advise Lloyds Tsb Bank to consider whether a personal vist is required.If you wish to make a payment today using either your Debit or Credit Card then please contact us on the above telephone number.Your sincerelyBLS CollectionsCollections DepartmentYet another In-house department of Lloyds I Believe.I'm Getting just a little bit P-----d off with them nowparticularly in view af the fact that when I did ring back following on of the phonecalls, they would not discuss details about the account unless I signed up for Phone Banking and had a password in place. what a Joke.By the way, They are still adding Interest and Charges to the accountIt is now obvious that I'm not going to get a 'final responce' to my earlier letter.As it's gone beyond the 'Charges' issue, and the dispute is based on CCA unenforceable agreement, I'm not quite sure what to do now, apart from persuing it with the FOS.Any thoughts anyone?Alan
  6. Thanks Andrew, I intend to try and find out.alan
  7. I'm not interested in Clarkson Hill, I just want to know if Cabot are selling my details on to others, I'll have them if they are.Alan
  8. Hi,Andrew, At the bottom of the letter Their Head Office address is Alexandra House, Alexandra Road, Wisbech, Cambs PE13 1HQ, Reg. in England 4310108.I did a webcheck on this address and the Company Number is 04310108.Previous Names: 20/11/2002 The Clarkson Hill Group Limited27/08/2002 City & Merchant Financial Services LimitedB3rty and Seahorse, It is, in my opinion too much of a coincidence, I dont trust Cabot, I'm tempted to ring Cabot and ask them outright, (not that they would own up), Alan
  9. UpdateCabot still have not complied with my CCA Request, well over the 12day + one month deadline, they just keep sending me letters ever fortnight, saying they have requested the infomation from the original creditor (monument), and that I may request it from the original creditor myself if I wish, in the meantime as a gesture of goodwill they have put my account on hold. I recieved this letter today, from a company called The Clarkson Hill Group PLC. Independent Financial Advisers Suite 20, 40 Churchill Square, Kings Hill, West Mallimg, Kent, Inviting me to a Free Inheritance Tax Planning Seminar at the Conningbrook Hotel, Ashford, (nothing to do with my Cabot/Monument dispute) but I find it interesting that Cabot have given them My Name and Address without my permission, I know that they are all part of the same group, and will do a webcheck shortly to confirm this.As I understand it, If my account with cabot is currently subject to an uncomplied with CCA Request, cabot are not allowed to pass my details on to a third party, even if its within the same group of companys.Has anyone any views on this Alan
  10. Update While waiting for Lloyds to comply with my CCA request (made on 3rd Jan 08) I decided to accept their offer of a full refund of the £314 charges ( which I had requested to be refunded, before I made the CCA request ) but made it clear in the letter, sent 25th Feb 08, that it is not in full and final settlement as my dispute has not been resolved. I also stated in the letter that Lloyds have still not complied with my CCA request and as of 22nd of Feb 08 they are now committing a criminal offence. Despite Lloyds eventually sending me the alledged true copy of the credit agreement (which I still believe to be just an application and which I recieved on the 13th March 08, Thirteen days over the '12 days+one month' deadline). I recieved a letter today from their Solicitors, Sechiari, Clark & Mitchell informing me that they are instructed by Lloyds that despite several reminders including the issue of a Default notice my account still remains out of order, "This Letter, therefore, makes a Formal demand on you to repay the account dalance as quoted above." (which is now £1,101. ) The Letter also goes on to say that "you should , however, be aware that interest continues to accrue on a daily basis. I have decided to take up the whole issue with the FOS, and, if and when Lloyds take the matter to court, I feel I have enough 'amunition' to take them on, Alan
  11. Thanks curlyben, he was about to make his first payment soon, he's going to cancell his direct bebit asap. you will soon have a new member Alan
  12. Hi all, I've just been talking to my brother-inlaw about debt matters and what I am doing at the moment regarding my debts, he has just admitted that he is in a similar position, however he said that he is using a company called Debt Release Direct, who want to take a set amount each month from his bank by direct debit and will deal with all his creditors, I have said he could do it himself with the help of this site. Any thoughts on this would be welcome. Alan
  13. Hi Their still unclear ain't they I'll have to get my Scanner sorted out thanks for the tip though, Alan
  14. Hi I have photograped the two pages Lloyds sent me, here are the links to the two pages, I hope it works, I've never used photo bucket or even uploaded photo's on a computer before. Hows That Alan
  15. Hi Brassed off, I've just been going through my Statements, The last payment made to Providian wase made on 31st july 2003 and was told account is overlimit and £11 in arrears,(Current Balance £352 ) "do not use the card in the meantime". Then in November Providian became Monument. 17th March my account was closed by monument. 3rd June 2004 I recieved a letter from RMA (Risk Management Alternatives) saying that Monument have instructed them to collect the full overdue balance of £626, I made one payment to them £75. then had no more contact from anyone untill the debt was sold to Cabot in June 2006 I made one payment of £55 in October 2006. I then Disputed the whole debt and started the Penalty Charges process (but that's another story, very interesting one though) Alan
  16. Hi All, Lloyds have sent me something, at last. It was sent in a hand written addressed envelope with just a 'with Compliments' slip with it, No Letter or anything. I cant scan it, as for some reason the scaner wont work with my computer ( Windows 98 operating system, Installation disc wont install it). Any way I'll try to discribe it. Two Pages. First Page Asset Application Form and Agreement Credit Agreement Regulated By The Consumer Credit Act 1974 seller id 2541055 selling branch sort code 309321 Signature for Lloyds TSB Bank plc Gimm y-- nil Date 7-11-01 1 Choice of Card Visa 2 Your Personal Details My details 3 Your Financial Details My Bank Details 4 Your Employment Details Self Employed 5 Your Additional Cardholder ------------ 6 Optional features Ticked Yes for Asset Payment Protection Your declaration and authorisation I Signed but no Date in Date box Second Page Lloyds Tsb Bank Credit Card Condition - Bank Copy Information for lloyds TSB credit card customers who have existing Sopecial Balances and converting to Asset These conditions are effective from 1 September 2001 Credit Agreement Regulated ETC Parties To the Agreement: ETC 3 Lost and Misused Cards And Cheques 4 Main Financial Particulars Credit Limit (see also conditions 5(f) and (g)) a) We will set and notify you of a credit limit. We may change the credit limit from time to time, and we will notify you. Charges (see also condition 9 for default charges) b) There is a charge of 2%(minimum £2) for cash withdrawals, and for each cheque (-------etc) Your Payments (see also condition 7) c) Statements will show the minimum you you must pay and the payment date.(------etc) d) The Minimum payment is the larger of £5 or 2% of the ordinary balance(----etc) e) We may sometimes let you know that you may omit a monthly payment.(------etc) Variations (see also condition 11) f) We may change the interest rates, charges and your payments. This includes changing the basis on which they are charged or calculated, or introducing new interest charges (------etc) Rates of Interest and APRs (condition6 tells you when and how interest is charged) g) All these interest rates are variable. The APRs below do not take any variation into account. h) Our current rates are: {The box containing these figures only show the headings, the actual figures are missing (did not copy properly)} Interest on ordinary Balance - Monthly rate - APR on Purchases - APR on cash Important- you should read this carefully Your Rights The Consumer Credit Act (-----etc) YOUR PERSONAL DATA AND LLOYDS TSB a) you agree that we may keep personal details (----etc b) you agree that insurance or credit referenceagencies (---etc) c) We may disclose details of how you have run your account (---etc) Thats It, Various sections refer to 'see conditions' , there was no condition enclosed with this Application form/Agreement Any Views welcome Alan
  17. Well it's now Friday the 14th March, 9 days over the 12 day deadline and well into the one month, recieved this letter from Cabot today. Dear Mr ---------- Your request under the Consumer Credit Act 1974 We recently wrote to you informing you that the original lender is experiencing a delay in obtaining information from their archives. Although 24 days have passed since your request, we hope to be able to send the information to you shortly. We shall remind the original lender that your information remains outstanding and should be processed as a matter of urgency. We apologise for any inconvenience you may have experienced as a result of this delay. The Status of your account Your account shall remain on hold until further notice. ETC. Yours sincerely E. R------ Customer Relations Manager I like the 'apologise for any inconvenience' bit, the longer they take the better. Alan
  18. Thanks for that, I sent that letter off this morning, (as I found the template for that letter shortly after posting last nights post and wanted to get in quick) I sent it this morning 'Special Delivery Guaranteed next day'. an interesting point emerged, when the post office typed in Mercers address it flagged up Simmons and Simmons. I had yet another call from Mercers tonight, this time I was ready for them so instead of hanging up on them I thought I'll have a bit of fun with them first,I asked them that if I was to make a payment who would it be payable to, he said it would be Littlewoods themselves, I replied that's ok as you would not be able to take a payment as you are Dormant according to a Webcheck ( I read that somewhere on this site, and did my own webcheck to see). I then asked who are Simmons and Simmons, there was a 'long pause', an 'ummm', then an 'I dont know, it may be our solicitors', he then went on to say that it has just shown up on his system that Barclaycard are looking into my request for CCA therefore he will take me off their automated phone call system for 14 days while its sorted out, I told him that he will be recieving my Harrassment letter tomorrow, so it'll be longer than that. then hung up. I did so enjoy that
  19. My wife has a Credit Card Account with LPF Littlewoods, she got into arrears a while ago and has thus incurred charges and interest on this account, The current Balance stands at 312.00 as of Feb.08, of which 104.00 is penalty charges. Credit Limit 000.00, and has been for years. I wrote to LPF a while ago and informed them that I am now acting on my wife's behalf. My wife recieved a letter from Mercers debt collectors limited on Mon.25th Feb 08, informing her the Account has been passed to Mercers for collection, I was not happy with their attitude when I rang them that day, as they were most abrupt and misleading in theit comments ( see post about mercers ) Re: Mercers.... My wife missed a payment on a littlewoods credit card account earlier this month and recieved a default notice from mercers today i rang them on her behalf (as I have authority to deal with this on her behalf ) I offered to pay the arrears to littlewoods at the end of the month, I was told they can hold off till 29th Feb, after that it will go to doorstep collection. I replied that as part of balance is made up of charges I will be claiming them back etc. but will still pay arrears at end of month. I then re-read the default notice and found that they have given me till 10th march to pay the arrears, got back on the phone and queried this they simply said "oh that's a misprint" I told her "I could hold you to the default notice if I wanted" she said that I would still get a doorstep collection if I failed to pay by end of month. Following this phone call I took the following action: 1. I sent LPF a CCA request for a true copy of any Signed Credit Agreement, (as I suspect they only have an application form), this was recieved by LPF on 5th March 08. 2 I sent LPF a letter regarding Mercers conduct and misleading comments in the above mentioned phone call. I also enclosed the cut up credit card and my wifes "wishes to exercise her right to close the account forthwith". And in view of Mercers attitude I informed LPF "I will Not be dealing with Mercers in any way whatsoever,and respectfully request you take back control of this account from Mercers". And 3. I sent LPF a LBA Letter requesting a refund of 104.00 in charges. My wife recieved the following letter from LPF today ( Thur. 13th March 08) (addressed to her,even though I am suposed to be dealing with this now) in response to my LBA request for a Refund of Charges:- Dear Mrs ----------- LITTLEWOODS SERVICES ACCOUNT NUMBER ----------------------- I write further to your recent letter, your correspondence has been passed to me in order that I may investigate and respond in my capacity as Customer Relationship Manager. With regard to your request for a refund of charges I am sorry you feel the charges you have incurred are unfair. We believe that our charges are both fair and transparent, and we make them clear in our Terms and Conditions, and on the reverse of every monthly statement. These charges are avoidable by staying within your limit and making your monthly payment on time. In your correspondence you have outlined case law which you say supports your view. As I am sure you will appreciate Barclaycard is aware of all the information you have drawn to our attention. I must inform you however, that we disagree with your legal analysis. However, as a goodwill gesture and without any admission of liability Barclaycard is prepared to credit you with 8.00, The adjustment will be confirmed on your next statement. Please be advised that from 1st August 2006, Barclaycard reduced its fee to 12.00 following the publication of the statement by the OFT. I hope that this now clarifies the situation. Should you have any further questions regarding this matter please do not hesitate to contact me. If my reply does not meet with your expectations you may ultimately be eligible to refer to the Financial Ombudsman Service. Further details if the service are available on request. If I have not heard from you within 8 weeks from the date of this letter, I will close my file in accordance with our usual practice. Yours sincerely P-- B---- ( Mrs) Littlewoods Personal Finance When my wife showed me this I was Livid, and had to post it on here for all to see ( my scanner dos'nt work at the moment so I typed it ) A goodwill gesture of 8.00 what an insult I'm going to wait and see if they can come up with an enforcable Credit Agreement and take it from their If any one has a template letter to respond to this or any sugestions as to how I should respond I would be greatful, as if I respond the way I feel at the moment I may get arrested By the way Mercers have now started to ring me, 1st last night when I was in the Bath, and again tonight, they left a message to ring Mercers on 0151 473 **** Alan
  20. Thanks Curlyben and Brassed off, thats reasurring, will keep you posted
  21. Back in 2002 I had a Credit Card with Providien which then became Monument, I got behind with the repayments, the debt was then passed on to RMA, then, later CABOT, I have been doing battle with them ever since, I sent a CCA request on Feb 14th 08, I recieved this letter from them ( not scaned ) it goes like this: Your Request for infomation under the consumer credit act. We acknowledge receipt of your request under sections 77 and /or 78 of the consumer credit act 1974 The Cabot Financial Group is not obliged to provide this information but we are pleased to help and havealready requested the documentation for you from the original lender. Cabot Financial does not accept the statutory fee required under section 77 and/or 78 of the Consumer Credit Act 1974 and as a result Cabot has returned the fee for 1.00 that you have sent. What Happens next We anticipate that we will be able to provide this information within 12 days. In the event we are unlikely to obtain this information within those time limits, we will write to you again. Contacting Cabot If you have any queries about your account or any payment options, call one of our helpful customer advisors on 01732 524615 in the meantime we thank you for your co-operation. Yours sincerly Emma Robertson Customer Relations Manager. I wrote back and told them in no uncertain terms that the Original Time-frame still exists and they have to comply by law and returned the postal order can't wait to see what they come up with next. Well on 28th Feb 08 they returned my Postal Order again with a letter word for word as the 'above' letter. I then recieved the following letter on the 29th Feb 08:, We write further to your request for infomation under sections 77 and/or 78 of the Consumer Credit Act 1974. Although Cabot has requested the information, the original lender is experiencing a delay in retrieving the information from its archives. We shall send the information as soon as we recieve it' The Status of your account We will as a gesture of goodwill put your account on hold untill we recieve further communication from the original lender ETC. They Have reduced the amount I currently owe to what it was when the debt was sold to them. I'm not quite sure what to do next, do I write and remind them that the 12 days have ellapsed and they have defaulted, and now have one month to rectify their default, or just wait and see what they come up with, if anything. any views welcome' Alan
  22. Hi All I've been posting on various threads regarding my dispute with Lloyds. I've decided to bring the main points of them together in a new thread to make things easier to follow and give an update: Brief Summary of my Llyods TSB Credit Card Dispute over Penalty Charges Data Protection Act Request sent 20th Sept 07, Recieved by Lloyds on 21st Sept 07, Recieved Requested Statements 2nd Nov 07. ( a few days over the 40 days) Sent Letter containing details of Penalty Charges and Late Payment Interest Applied and requesting a full Refund of both the charges and the Interest ( 314 charges and around 700 Late Payment Interest) on the 8th November 07 I was then advised that it would be better to Dispute the actual Credit Card Agreement, so I sent a CCA Request for a True and Signed copy of the alledged agreement on the 3rd January 08, I did not recieve the agreement with in 12 working days, and as of tomorrow (Fri. 22nd Feb 08, the one month deadline will have been breeched, still no agreement forthcoming. However, I did recieve a response to my request for a refund letter, offering me a Full Refund of Charges "in full and final settlement of my complaint" there was no mention of the Late Payment Interest, which I also wanted refunding. My Question is this, If I accept the offer of a refund of charges would this affect my chances of disputing the whole agreement on the grounds of an unenforceable agreement, as, by accepting, would I be admitting that the debt is enforcible. Any opinions greatly appreciated. ------------------------------- The Card was opened in September 2001, the original credit limit was for 1000 pounds, raised to 1,200 in august 2002, I've since paid 1,234 + (595 pounds whilst account was within credit limit). outstanding balance on account as of 12th Oct 07, 997,76 this is made up of 282.48 in unlawful charges, and Interest totaling 632.24 most of which was applied after the account was effectivly closed( credit limit set to 000.00) they refused to freeze interest They are still adding Interest and charges, the balance now outstanding according to the latest default notice recieved today ( 21st Feb 08 ) is 1,067 pounds and 55 pounds arrears as I have refused to pay any more (until I recieve the CCA agreement) The Charges now stand at 314 pounds which they have offered to refund. If you want more details I am currently compilling an exact Time-line regarding details Letters amounts Payments ect. ready to send to FOS, Trading Standards and OFT. And will gladly post them. Alan ----------------------------------- I Phoned Lloyds Today (21st Feb 08) to ask them outright why they are still sending me default notices as the account is in dispute, they said "we can see from our records that your account is being delt with by our customer relations dept. so ignore the default notice and any other letters you may recieve as they are generated automaticaly". I told them that as they are recording this call to put a note on the system that you, Ravi ( the guy I was speaking to) have told me to ignore the default notice. I have also made a note of the call ( Just in case, I don't trust them ) ----------------------------------- I Have just recieved a Final Response letter from Lloyds offering me a full refund of charges amounting to 314.00. No mention of the CCA request, or the interest I wanted waived. Just an acceptance slip to accept their offer in final settlement of my complaint, and the option of pursuing it further with the FSO if I am not happy. I have one month to accept their offer, however they have less than that to comply with my CCA request. I'm in two minds as to wether to hold out and see if the agreement is forthcoming or accept their offer and arrange to pay off the outstanding balance/Interest all be it grudgingly. Opinions would be welcome Update Sent Lloyds a Letter on the 25th Feb 08, accepting their offer of a refund but only as a partial offer of settlement, stating that I do not accept the offer in full and final settlement. And also informed them that they have not complied with my CCA Request, therefore, as of the 22nd Feb 08, they are now committing a criminal offence. --------------- Its now a waiting game to see what they come up with next Any views greatly appreciated PS Thanks to all who have helped me with thier advise, could not have got this far with out it.
  23. My wife missed a payment on a littlewoods credit card account earlier this month and recieved a default notice from mercers today i rang them on her behalf (as I have authority to deal with this on her behalf ) I offered to pay the arrears to littlewoods at the end of the month, I was told they can hold off till 29th Feb, after that it will go to doorstep collection. I replied that as part of balance is made up of charges I will be claiming them back etc. but will still pay arrears at end of month. I then re-read the default notice and found that they have given me till 10th march to pay the arrears, got back on the phone and queried this they simply said "oh that's a misprint" I told her "I could hold you to the default notice if I wanted" she said that I would still get a doorstep collection if I failed to pay by end of month. Alan
  24. Hi Bigandyuk1This letter is word for word what I recieved saturday (well except for the bit about barclays) when I did send them a CCA Request but they refused to accept my one pound Fee and returned the postal order, I promply sent it back and told them the original time-frame still stands. This is fun aint it. Alan
  25. Hi all I've been reading this thread with interest, as I too am being hassled by cabot, yes Providien was sold to monument, which I think are part of Barclays who incidently actually own Cabot or did, its a bit complicated but I'm sure somone on this site will be able to clarify this. Alan
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