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the_scorpion

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About the_scorpion

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  1. For some reason I can't get back onto the other thread. I thought it was deleted but yes it's the same account. I've read on other threads that it can't be sold as it's a breach of the cca so just thought I'd check
  2. I have a bank loan that's been in dispute for about six years due to Lloyds not complying with a cca request. It has now been sold and the new company are asking for a payment plan to be put in place despite being told the account was already in dispute. Can they do this?
  3. Thanks for that. I wasnt sure since I originally sent a request back in 2008 and still never received the cca
  4. Hi all, it's been a while and I have an update. It turned out that cca they had sent me was for another account that I hadn't asked for and not this one. At the time I hadn't noticed the account number being different and as I wasn't expecting another I thought it was the correct one and eight years on I'm still waiting for it. I did tell them at the time it was the wrong one but I've never received the correct one. The reason I'm back is for some more advice. I kept my reduced payment up until about two and a half years ago and then stopped it due to being ill and getting next to no money. Last week I received a letter from Lowell saying they now own the account and want payment. Does my dispute still carry onto them or do I need to start again by sending another cca request? Thanks all
  5. Thanks for that. I will have a read a yours.
  6. I currently have a loan on a payment plan as I had to give up work due to ill health. A CCA request was made and I eventually received it and it shows PPI was on it. A claim was made on the 1st of June last year through their own team dealing with these claims and at first they said no PPI was on the account when I said I had the paperwork showing it they said they would look again. I’ve never been contacted by then but I have phoned them several times but all I get told they will pass a note to the team. Anyone any suggestions as what to try next? Thanks
  7. I have a loan through Lloyds TSB that I took out around 2004 and it has PPI included. The account at the moment is on a payment plan through Lloyds and I was getting help in this thread below after hitting problems with first credit. http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/153703-help-1st-credit.html It has been suggested on that thread that I may be able to reclaim the ppi but I don’t have a clue if I can or how I go about it. I pay the loan at a reduced rate just now and they did produce my CCA so I don’t know if that goes against my claim. I have attached a copy of the cca and would appreciate any help. Thank you
  8. Thanks all for the help and information. I will have a look at reclaiming the PPI.
  9. Probably a silly question but what would be wrong with the figures (APR)and who would i get to look at it? Do you think I could reclaim the PPI? Thanks again.
  10. citizenB, This is all they sent me. No terms and conditions. From what I remember the payment plan had to be included in order to get the loan and yes it is included in the payment plan.
  11. Out of the blue Lloyds have sent me this. Would I be right in guessing that this is my CCA and therefore my account is no longer in dispute? It did have my signature on it at the bottom. Thanks all.
  12. Thanks for that. I think Lloyds only put you on their internal payment plan so to speak for about a year so when the years up I just assumed they wouldn't be able to send it to a DCA this time as the account is still in dispute. I will just need to cross that bridge when and if it happens. Thanks again
  13. I think I have achieved what I wanted to be honest. I was quite happy paying my reduced payment until the short term agreement ended and Lloyd's passed it to a DCA. Now that it is back on a payment plan for an amount I can afford I am quite happy to pay it but I just wondered if it was still in dispute so if the payment plan ends again then I know it shouldn't be passed to a DCA due to it still being in dispute.
  14. Sorry for the delay in answering but I have been unwell. I don't know if i did the right thing or not considering the account is in dispute but I made payment plan arragements with Lloyd's. I had originally been on a plan but they removed me as the time I could stay on it had expired and thats when I hit problems with First cretins and the Apex. I also had a look at my credit file and this account shows as default. should it show as that as the account is/was in dispute. Can that be removed? Does the account still stay in dispute even if i am back on their payment plan as long as they don't come up with my CCA? Thanks all.
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