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Rathercross Charlie

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  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Haven't heard a sausage for over 6 months now. To their credit they admitted they could not produce an agreement from the outset. Think I might try and make them an offer of 10-20% of the balances (some £200) to wipe them....worth a try.
  3. GG, Excellent news for you and your very able team of helpers! I've read this with interest as JL are chasing me in a similar case with no existing agreement....fingers crossed! Charlie
  4. Comments gratefully received on this one. I have tried to find another member with a similar one with no luck. It was accompanied by the usual 8+ page printout stating their "current terms & conditions".... http://i692.photobucket.com/albums/vv286/demrossi/EggAgreement_Page_1.jpg http://i692.photobucket.com/albums/vv286/demrossi/EggAgreement_Page_2.jpg http://i692.photobucket.com/albums/vv286/demrossi/EggAgreement_Page_3.jpg http://i692.photobucket.com/albums/vv286/demrossi/EggAgreement_Page_4.jpg http://i692.photobucket.com/albums/vv286/demrossi /EggAgreement_Page_5.jpg Thanks
  5. supasnooper, I've been reading CCA threads for months on the site and not come across these very important posts before - many thanks. It does give me a great deal of confidence that this agreement is not enforceable. One last thing, I have two agreements from c2000 where the store card provider cannot even produce something as shoddy as the above from Lloyds, I therefore take it that no agreement=no enforceable debt?
  6. Thanks for your help rippedoffagain. So, should I be going to the trouble of planning and assembling a defence for a possible county court case and risk further damaging my credit rating on the strength of this? That's the $64,000 question! BTW, can anyone give me a case precedent that states that the format of an enforceable CCA agreement requires the details and signature be on the same piece of paper. If I had a chance to read through it my (half-trained) legal mind might be a bit more confident.
  7. The quality of the copy uploaded is a true reflection of the original they sent to me - ie very poor quality. The 2nd page does refer to: a) APR b) Payment Date: "being that shown on the monthly statement" c) Credit Limit: "xxxxxx (unreadable) limit is £2500, we will set the limit for the account from time to time" Does the fact that these terms, be they complete proscribed terms or not, are on a separate page, (which may or not be the reverse, it is hard to tell) matter? I thought that all had to be within 1 page....? Charlie
  8. People, Have not seen a posted agreement like mine on the site, so help needed as to whether this one is one I should fight, or pay up. All advice gratefully received! http://i690.photobucket.com/albums/vv269/rathercrosscharlie/LloydsAgreement-amended_Page_1.jpg http://i690.photobucket.com/albums/vv269/rathercrosscharlie/LloydsAgreement-amended_Page_2.jpg Charlie
  9. An update for you. Out of the blue today arrived a copy of the original agreement. Like others it's an "application for credit" that's been signed (by me, not them), with T&Cs on an attached page, it doesn't contain the specified terms within the page of signature. It was accompanied by a 2 page letter from Lloyds giving chapter & verse as to why CCA requests/challenges are a waste of time and how I should take their word that the agreement is correctly executed :-|! They've even very kindly offered me a chat with a financial health specialist (should have had a few more of those looking at HBOS's books a few months back) in case I'm suffering financial difficulty! I've had an email from my local trading standards today who've helpfully offered to look at this agreement (and a couple of others), so will take them up on their offer and report back. Charlie
  10. Been watching this thread with interest, I hope that my experience so far may prove of use/interest. CCA'd Lloyds in Dec, in Jan (post 12+2) they wrote to say they couldn't locate my agreement (a Mastercard 8yrs + old), but do please keep paying us! Their "complaints procedure" (that's a laugh!) wrote 4 weeks later saying they were still looking. By this point I had written to point out their default and that no more £ would be coming from me until it was rectified. 4 weeks further on received another letter claiming that although they do not have it, would I still keep paying (you might be seeing a pattern emerging here!). I reminded them of their duties under the CCA and initiated a complaint to FOS. FOS have acknowledged it and say it will be passed to an investigator shortly, but due to high volume etc (ha, ha) may take some time. I've not had any threat of default nor any calls, it's now nearly 3 months since last payment was made. I send all letters to them by fax & post and it's nearly 6 now, without a single substantive reply to any....
  11. An update for anyone dealing with JLFS. Since the above I've had numerous letters on both accts of the "you are behind with payments - please pay us" variety. Getting a bit bored of this, so complained to the FOS. Was thinking of writing a without prejudice letter on the basis of "I'm looking forward to seeing you in court, please stop wasting my time and sue me now!" variety to get the matter cleared up. Anyone got any more useful suggestions that will force their hand, or will they just take their course anyway?
  12. Angel, I sent initial CCA, followed by "you haven't responded - you are now in default" letter. I had a few harassing calls from collections centre, then wrote quoting chapter & verse re harassment on an unprovable debt and have heard nothing since. Complaint to FOS and TS is to try and force their hand....
  13. I've CCA'd John Lewis FS back in Nov re 2 store cards, taken out in 2000 and 2001. Had back identical open letters stating they do not have the original agreements, copies of current terms attached blah blah... Informed them of their default, they replied saying i do owe the money, do please pay it. Replied back giving them 7 days to write off the debt or I'm complaining to my local Trading Standards on their fitness to hold a credit licence, wait out!
  14. Well, I CCA'd Lloyds 3 months ago and still nothing, so have now complained to Financial Ombudsman and local Trading Standards. Lloyds have sent my card account to their Collections Dept, but all I've had from them is one limp letter a month ago...
  15. Peter, Bit of assistance for you. I tackled GE Money for £700 in charges on a car loan. It took me 8 months though I coupled it with a DPA claim that they remove late payment information related to the charges not being paid (I paid the loan amount each month, but refused to add on the £20 or so each month in LPC). I could see that this was trashing my credit record, so eventually paid off the balance (under protest), took them to court for the charges and a DPA "wipe-clean". The charges were stayed and I lost the DPA action as they hid behind the CRA's. Within a week of the case I received a without prejudice offer that settled my charges in full. Moral - keep plugging away - you'll win in the end!
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