milvus, this may not help much. but i have had serious problems with ltsb for a year. i have a dmp with payplan, free service to me as a union member. i have cleared the other 4 creditors and only left with tsb. i am paying off a credit card and a loan. when i revised my offer downwards (due to new baby), they were sent a new plan electronically. somehow, the credit card people said they didnt receive my offer, when the loan people did, though offer sent simultaneously and online they started making 3 or more calls a week, even to work. yes i note the usual response, "we didnt receive your letter"... i started logging the calls and complained for second time (harassment, threats, unthruthfulness etc) and await a response. i was so respectful and oblidging, but their rude and threatening (me with jail for a civil debt!!) calls drove me crazy. stuff them, if they cant enfore that agreement so be it. always send your letters by recorded delivery, track them, and print off delivery note. best of luck.

hi, we are in the same boat. i requested my CCA agreement on 4th oct, letter sent by recorded delivery. one request was for credit card, pre 1997, and the other a loan over 25k. i gather the CCA does not apply to credit over 25k they have finally responded today (the 12th working day after my request). they sent me the terms and conditions "which apply to" my account. they also stated that they are not oblidged to provide me with a copy of my "original application" though one has been ordered and will arrive shortly. i suspect they will send me my application, but thats not an agreement, its like an offer but only my signature? have they failed to comply with my request, if so, under what grounds? i am a newbie, any advice chaps. regards

i am new here, my first post infact. i have a mastercard with lloyds and a loan with them. i sent two requests for cca a week ago. i am still waiting, but my loan was for over 25k, assume the law didnt cover this? keep up the great work people.