Has anyone experienced similar to this before or can anyone provide the benefit of their knowledge...
My girlfriend had a loan with Lloyds TSB and had thought that she had come to the end of the term of the loan only to be told that 5 installments were still outstanding. She has been switched from one loan product to another during the loan term and by Lloyds own admittance is on an "old-style" loan. She sent the CCA letter in April requesting a copy of the original credit agreement and she had heard nothing (no agreement, no chasers for the money, nothing) until Nov 3rd '06 when she received an unrelated letter from the local branch manager (rare, I know) asking what her intentions were to repay the debt. She replied (on Nov 15th) advising of their breach of the CCA and that she did not acknowledge the debt and would not enter into any further correspondence regarding the debt. On Dec 19th Lloyds sent a letter from the local branch stating that were unable to resolve the matter at branch level and that the matter had been forwarded on to their Customer Service Recovery department (CSR). On Dec 20th a letter was sent by the CSR stating that they were hopeful of completing their enquiries within the 'coming 2 weeks'. On Jan 4th '07 they issued a long letter apologising (twice) for inconvenience/stress etc, stating that they cannot find the loan agreement within their filing system, and offering a 'solution agreeable to all parties'. They claim there is over £2000 outstanding but are proposing to reduce that amount to £1380 and offer a new interest-free loan for £1380 repayable over 36 months.
Then, with negative affirmation, the letter states "that if I don't hear back from you at all by 1st March 2007, I will take it that matters are resolved between us and close my file." (Apologies should have posted well before now but it had slipped my mind).
What, if any, should be my girlfriend's response to this?
Is negative affirmation able to be used in a scenario such as this?
Any thoughts would be most welcome.