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About stardust215

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  1. Hi bazooka Boo I thought i had that time Not very good at this. I brought it up on windows viewer and it is readable. I went on the link above and i magnified it by 300% and it is better than the other links i have put up. You can tell it is a copy that lloyds have sent me because their is gaps in the paragraphs and blurry writing where it hasn't copied properly. But it is legible. I have tried everything and it only distorts the image. So i don't know what else to do. It is brillient on windows viewer. So what am i looking for to see if this document refers to the applic
  2. Hi everyone Yipee i have finally done it here are both documents. If someone could see what they think. It is appreciated Thank you stardust edited cca bls.pdf Cannon026.pdf
  3. I have been playing around with the document and i think it has been scanned in on to high of a resolution so i will have to get it re scanned tomorrow. Looking at the document though is refers to the conditions of use for the mastercard. It has the APR etc on it as well as repayments. On another note on the application form, i was at the time on a training for work scheme and was in full time education with my local college. I was getting £10 a week on my benefits. Now i was pushed in to this card by my accounts manager. And i noticed on the form she has put the incorrect addr
  4. http://s944.photobucket.com/albums/ad288/basilb75/?action=view&current=Cannon020.jpg sorry
  5. Hi again I thought the image wouldn't be very good. So this is from photo bucket I have deleted all of the unedited cca's now. So lets have another go:) IMG]http://i944.photobucket.com/albums/ad288/basilb75/Cannon020-1.jpg[/img]
  6. Thank you for replying I got the pm lexus totally understand. They did send a bank copy of conditions of use that was stapled to the document. on the application it refers to conditions overleaf. What i thought was funny was on the bit where it says about a second signature the terms and conditions are on the reverse of the application. So to me it is either on the back or on another piece of paper. i can't see any reference to page 1 and page 2 on either form. Just a bit that says the conditions of use are on the back and another bit that says overleaf. If someone cou
  7. Hi i wonder if anyone could help me. I have requested a credit agreement from Lloyds. Though BLS are collecting on their behalf. I wonder if someone could take a look at let me know if it is enforcable. I would appreciate someone taking a look and telling me what they think. Thanks Stardust
  8. Hi I wonder if someone can help me. I have an alledged debt with Lloyds TSB Mastercard Credit Card. This debt is over 12 years old. I have been paying token payments over the last 7 years. BLS now control my debt on behalf of lloyds. So when they rang a couple of months ago, i asked them for a CCA and she said that's no problem as long as it is within a 5 year period as they do not have anything after this time frame as they despose of them. So i said my is 12 years old she replied that they would no longer have the document. She then said when would i be making a payment to t
  9. Hi Penny Thank you for your reply and your help. After i read your thread a thought occured to me that people who have personal loans and have ppi on them and are either paying reduced payments or token payments which makes the ppi no longer valid (i may be wrong) yet they still have to pay the insurance debt. I think that is wrong. Only my opinion though. Anyway, at the moment BOS have said that they are giving me a full fiancial statement and they have said nothing about paying. My o/h just rang them on my behalf and queried them about why a default was put on my account in 2005
  10. http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/144193-hi-everyone.html Hi As advised i have started a new thread for each debt that i have. I have attached a copy of my copy of the agreement that i had from halifax when i signed up for the loan, but i don't have a copy of the one that i have signed. I have a default on this account that was registered on 20/10/2005 and my current balance is 8,067.00 as of 13.4.08 according to my credit report. My partner has just looked at the agreement and noticed that i took out a loan protection payment insurance. A
  11. I would like to say thank you to all for the advice:). I will now go back through my paperwork and find out what is what and then post a new thread on the debt forum. Thank you this has given me a little bit of hope, it's just you get so many people telling you not to do this or that and then they constantly remind you that you will lose your home, that suddenly you feel totally alone and have no idea where to turn, so i really appreciate this thank you again.
  12. Hi to everyone, I have never done this before so bear with me. I currently have 20k's worth of debt with 9 creditors, i have had bad credit in total over the last five years. i started with a company called eurodebt and they made my debt worse. Within the last two years i changed to CAB and i have been making token payments since then. I own a third of my house with my mum and my sister. On paper though it states i own half. I am on benefits as i suffer from depression and have done since i was a child i also now have an 8 month old child. My mum is registered disabled and doesn't wa
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