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beagle-12

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About beagle-12

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  1. right i see, so do i take them to county court?, or do i enlist the help of a solicitor to do this? I will read the links! thanks b
  2. Good morning all, I have a very long going issue with the dear people at Lloyds, i have written and rang and tried and tried over the years to get something even a meeting from them but to no success Every 6months or so, they send my debt to a new DCA, who i send the same letter saying it is not enforceable due to the fact that Lloyds have never responded to my communications including a SAR, of which they sent some of it to another address but never all of it to me, and never produced anything to do with a credit agreement. anyway, i have trouble dealing with all of this and th
  3. Well, now i have scotcall sending me letters, do i just start the whole paper game again, this now really is starting to where me down! has any one got any advice as how i could open up communications with LLoyds? i really now think this is harassment! thanks b
  4. Well, now i have scotcall sending me letters, do i just start the whole paper game again, this now really is starting to where me down! has any one got any advice as how i could open up communications with LLoyds? i really now think this is harassment! thanks b
  5. Hello everyone, It's been a long time since my last posts, i thought all this had gone away, but now i seem to have some new friendly DCA chasing me, they are called Wescot, this is for the same debt as before an overdraft which is apparently in the £4000 mark, i have not paid this as i said before because i had a £2000 overdraft and the good people at Lloyds have never been able to tell me what the other £2000 is. I have written to Lloyds for times and every time to a DCA asking to explain the debt and all i get is it is an overdraft on a lloyds account. I have been ignoring Wescot, wel
  6. Thanks, Is this not like a red rang to a bull?. Do they really have to provide me with the one that i physically signed or a copy of with my signature? Or are they correct in saying that a copy of the T&C and agreement is enough? They have already listed me as a defaulter with credit ref companies (it's caused a bit of trouble with funding something else) And lets not mention AIC! thanks b
  7. Hi Everyone, Well have heard back from the bank, i have not got my signed agreement, but a letter saying that a copy is good enough and a reminder of warnings from citizens advice and the ministry of justice, I've not looked at the links yet but will. So if any one has any advice on what i could do next i would be very great full, as i'm playing well out of my level here! link to flicker Flickr: beagle-12's Photostream Thanks! b
  8. Hi All, Well thanks for the infomation and support so far!, I've sent the letters off to Lloyds and now am waiting! I sent the letters on 06/08/09, i was delayed as got a bit of work out of town, and can't say no to that! Anyway, the only update so far is that i have a company that sounds like Alan Court? in there automated message, but when i check the number it is Apex Credit Management calling once or twice a day, chasing me for Lloyds, can i send them a letter to say they are to stop as i have sent a SAR and a CCA to lloyds? or do i have to put up with it? many thanks
  9. Hi, Thank you so much for your help with this, do I send the CCA to Lloyds, or to which ever shark is now chasing me for a slice of 10%! Does the fact that Lloyds is now state owned change any of the rules?, or is this just getting in to deep questions not to be asked! Many Thanks
  10. Hi All, First time post, I'm out of my depth here, firstly i know debt is a bad thing and i got myself here, but have had very little work for the past 6 months, saying that things are getting better. Anyway, i have two debts with Lloyd's TSB 1, Visa credit card, owe £2600 took it out in around 2003, i don't know what i signed or didn't sign, they have sent me letters from their Solicitors, i think it is still Lloyd's as it's all the same type spacing and page set up, anyway they sent them some 6 months ago and nothing has happened, then 4 months ago i had AIC after me, i told them to
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