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Everything posted by skoorbd

  1. Any advice on how to proceed would be greatly appreciated.
  2. They also enclosed two full sets of T&Cs, one with my old address and one with my new. The missing numbers coincide with the former but some things aren't the same as on the 'acceptance form and agreement' e.g. rate of APR ??
  3. Thanks for the clarification, I was starting to wonder how that would work because it was me that cancelled the PPI.
  4. Hello I wonder whether anybody would be kind enough to look at what Lloyds have recently sent me and comment with regards to it's enforceability. They sent this letter.... ....and this 'acceptance form and agreement' (which looks more like an application form, stating 'I apply' above the signature box.) ....with this on the reverse (Sections 1 and 4 only of the T&Cs?) They also sent full copies of two differnet sets of T&Cs, one with my old address at the top and one with my current. Any advice gratefully received.
  5. Thanks for your help WelshMam; I've tried editing to remove the duplicates but it just takes me to a 'Database Error' page. Definately didn't sign a new agreement when Lloyds sent out the new card. Thanks again.
  6. Sorry about the text being repeated 3 times, I haven't got a clue what happened there, or why it was moved. Some but not all of them were before April 2007, Lloyds certainly was, the earliest I can find for them is a 2005 statement, but they transferred my Visa to a MasterCard in August / September 2007 and I don't know whether that counts as a new account ?? The loan was for 24k (what's the significance of being less than 25k?) but it was taken out eventually in May 2007 after NatWest caused many delays, it paid off an earlier loan, partly because I was fed up of paying the PPI and
  7. I think I got moved to http://www.consumeractiongroup.co.uk/forum/getting-out-debt/199801-debts-lloyds-cccs-dmp.html Thanks again
  8. I'm pretty new to forums and haven't got a clue what happened, my original post has vanished? I got an email to say I had a reply but had to search to find it. I got the information and really appreciate your time in replying, thank you both.
  9. Hello, I’m new here and wonder whether anyone could please kindly give me some guidance, I’ve read some of the other threads but don’t know if the advice given would apply to my specific circumstances. I have a high level of debt which I’m afraid to say has mostly built up due to spending more than I have earned over the last couple of years since I suffered a neck injury which still causes me to be off work when it flares up. It recently got to the point that I asked the CCCS to help me develop a budget and then a DMP as I was unable to meet the minimum payments. I was amazed at ho
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