Hi, I made a claim to Lloyds for mis-sold loan ppi, they have offered me a settlement, which I am happy to accept, my problem is they want my bank account details, I owe Lloyds money for a credit card debt which I am paying through the cccs, I cancelled all my dd's with Lloyds and opened an account with a different bank as they were taking money to pay for my credit card. Would it be foolish to give my new bank account details to accept payment?? There is no mention of being paid by cheque. Thanks for any advice

Thanks for that, it will be going in a different bank account, I don't want them getting their grubby mitts on it when they can't be bothered to produce a cca.

If I have a mortgage and unsecured debt with the same bank can they recover the unsecured debt from the proceeds of the house sale?? Thanks in advance

Thanks for that, think I'll carry on through the cccs for now, but stop paying if Gothia start harrassing me.

Any thoughts on this one anybody please????

Thanks for replying. There's another page with the consequences of failing to pay, then in caps about getting a time order and getting advice, and the bit about the OFT info sheet.

Here is the default, no termination notice sent as yet. nr.pdf

Here is the default notice:po.pdf

Thanks again . It stated 17 days and was received on the 16th, again no envelope but everything else 1st class. I have to go to work shortly and am in all w/end:( but hopefully scanner will be okay by monday, so will try to post it then.

Thanks for your reply. Unfortunately I didn't keep the envelope, I received the letter on the 14th April and everything else off them has been by first class.

Me again, I also received a default notice from NR dated 13th April (Easter Monday) giving me 17 days to act, is this valid? I have'nt heard from them since, but am also paying them through the Cccs. I don't have access to a scanner at the minute but will scan them as soon as poss. Any advice gratefully received, thanks.

I received a default notice from the PO dated 8th April giving me until the 27th April to act, I have counted the days and bearing in mind the Easter weekend I don't think they've given the full 14 days, also the underlined parts were not in bold. They terminated the acc. on 29 April and it has now been passed to Gothia/Red Castle who I have ignored as I am already paying through the Cccs. Could anyone advise on what I need to do, if anything, thank you.

Thanks for your reply, I'm just wondering, if they had sent the cca on the 19th, would they still be obliged to include it with the sar?

I requested my credit card cca from Lloyds on the 2nd Feb, on the 23rd I sent the 'in dispute' letter. I received a letter dated 19 March saying that they have been unable to resolve my complaint so far. Today I received a letter stating they had sent me the documentation dated 19th Feb and that they have complied with section 78. I have not received these docs, and neither was my cca enclosed with my sar response. I find it very strange that I have received dozens of letters from Lloyds but this one seems to have 'gone astray'. Any ideas on where I should go from here?

Hi, it says 'Please return the completed application form to your TSB branch', what they sent are really bad photocopies, the scans are exactly as sent, but with details blanked out, rubbish aren't they.

Could someone take a look at this please?

This was received with a sar, they failed to respond to cca request, they are separate pages and there doesn't seem to be anything linking the 2 pages, the card was taken in 1991, no ppi and is still with the original creditor, could someone take a look and tell me if it's enforcable please, much appreciated. cca.pdf cca2.pdf

Bump

Yes it is still with the original creditor.

Hi thanks for looking. They are back and front, she also received separate t&c's, no charges, ppi taken, the account is not used as she is in the process of setting up a DMP with CCCS.

Could somebody look at the above please?

Sorry about that, I'll just try it again, then I'll figure out tinypic if it doesn't work. Jcca.pdf Jcca.pdf

Would someone look at my friend's cca and let me know if it's enforcable please? This is the front and back, she also received a copy of the t&c's. [ATTACH]7632[/ATTACH]

I requested my cc cca from Lloyds in feb, I received the standard 'we are snowed under with requests' letter but no cca. I recieved my data yesterday, this included every cc statement but still no cca, would this suggest they don't have one for this cc?

Thanks for your replies re the above, after reading the multiple agreements thread, I'm wondering whether or not it is enforcable given that I am being charged for ppi even though I didn't sign for it, and there doesn't seem to be any separate terms laid out for it. Could anyone advise me please?