Lloyds CCA - is it enforceable? in Lloyds Bank Posted October 28, 2009 Thanks very much for all of your comments folk, a lot of information to take in here. I would be very nervous defending any agreement in court unless I was 100% sure it was unenforceable (and even then I’d be very nervous). The agreement is signed on page 2 but it wasn’t bound, just stapled. If I’m completely honest I think I accepted a long time ago that the barcode (with the loan agreement number on) links the document. I was going to resume the £1pm payments to Lloyds but they have now written asking for the full amount immediately (termination?). I have no idea what they are going to do now. Any advice going forward would be greatly appreciated. Thank you.