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the_scorpion

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Everything posted by the_scorpion

  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 i
  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?
  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
  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 a
  15. It's been quiet for a couple of months but Lloyds are back and make no mention of my account being in dispute or the fact that I have made a CCA request. The name is correct on this letter this time and the account number I do recognise. It also make reference to the account number i didnt know that Apex had used and were demanding payment for. Do i contact Lloyds direct now or just sit and wait since the account is in dispute?
  16. Thanks again for the help and advice. I am just finishing of the letter to send the new DCA and will be posting it tomorrow (recorded delivery) but i was wondering if i should be taking out the line below or do i leave it in? Thanks again
  17. Thanks for that letter. Do i send it to Lloyds or to the DCA? Another quick question if you don't mind. Going back to my first post about my own account I was recommended to send a CCA request so should I be sending it again to Lloyds but with the correct Account number this time or should I wait to hear from them? I am assuming the CCA request I made in July would have gone to the account they keep sending letters for rather than my own. Thanks again.
  18. There's a couple of hundred pounds difference but that could be interest or something. Ive doubled checked everything and that account number is not mine nor do i have an initial for a middle name. The account number only appears when the account was handed to 1st credit and now the new DCA is using the same one but all previous letters from Lloyd's contains the account number i know with no initial for a middle name.
  19. Thanks for merging both threads. Here is were i am at. I sent a CCA request back in July and got the a reply from 1st credit saying it was passed on to Lloyds but so far no CCA has arrived. I never heard anything from Lloyds regarding the CCA request. The account has now been passed to another DCA despite being in dispute through 1st credit. I sent the Account in dispute letter to the new DCA but they say Lloyds knows nothing about any CCA request or the account being in dispute. I only noticed today that the account number on all letters is not mine and there
  20. I started this thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/153703-help-1st-credit.html before i noticed there was a Scottish section so I thought I better try and get it moved to here as I'm in Scotland and also post what i have just noticed. Ive just noticed this afternoon that the client account number on these letters is not my original account number and also the name on the letters would suggest that i have a middle name but i don't. Does this mean there has been some sort of mix up and this is not my account they are chasing me for or do the client acc
  21. I sent the letter above but they phoned me again this time saying Lloyds knows nothing of a CCA request or the account being in dispute and has handed the account back to them to chase up again. What do i do now?
  22. I forgot to say, the letter from them says they are acting for Lloyds so i don't think 1st credit passed this on to them as i first thought. Should i be sending anything to Lloyds like the letter below letter i found on another thread or do i just forget lloyds just now? Dear Sir/Madam, I wish to draw you attention to your company's lack of compliance with my legal request. On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. The document that you are obliged to send me is a true copy of the executed
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