Willesden County Court Thx Andy

...can I ask the court to re-schedule by 2 weeks? The date was set for 11 Nov but I'm only back from abroad by 1 Dec...what to do?

If one of the senior people on this board could have a look at this CCA please? Many thanks 1.pdf 2.pdf

Thanks for that - will look it up. Just to clarify: the £156 is for unplanned overdraft, once they try to take the payment, and after they return it it's actually another £40 for Returned DD. This is charges only - not CC interest and capital...

I have currently no monies going into my Lloyds account other than £136ish Child Benefit. I had cancelled all DDs & SOs already. However, the bank keeps charging me £156 per month for a DD they say I can't cancel - it's of course for their very own credit card. So for months now that bank charge is eating up the benefits. Lloyds have taken the CC account off my online banking - it's not there anymore, presumably because it's in default. I have started reclaimng my bank charges also under the hardship rule. I have also asked them not to keep charging me in the future. Both requests have been rejected, they say I'm not in hardship and they further say I agreed to the charges when I first signed up for the account. Standard initial response. I'm just about to send off the second letter proving hardship (not least through their very own credit card & account). But my question in this forum is if the right of appropriation applies to the Child Benefit and, if yes, can I claim back some of that benefit also in retrospect? Many thanks

Thanks for your reply, I agree to part of your observations re the overleaf doubt. I too can't honestly believe the agreement THEN being headed with the supplement 'Original Copy'. That only makes sense when looked upon in hindsight? Just asked my wife to cast her mind back...our 2nd child had just been born 6 weeks earlier and she's adamant that, at the time, she would've never gone to the bank herself, so this application was surely filled out at home and then either sent by post or delivered by me (the latter I don't recall).

Thanks for that. I've got a network of 8 computers at home, wired & wireless, so...wasn't me - don't know why this site's uploader did that, maybe a bug ...was initially just a straight conversion of 2x 6.3MB scanner Bitmaps to 0.5MB Jpegs - but, when uploaded (twice) they were showing as only 11kb & 9.5kb respectively. So I converted the bitmaps into 2 Pdf's and that worked! Maybe somebody should add that to the Dummies' Guide? 8) Photobucket????-o

Dear all, I have now received my CCA copy of the Lloyds Asset Gold Credit Card. It is not the actual CCA but a rather poor quality copy of the application form. It's two-sided and attached. Here are my observations: It appears that my wife signed this form at a Lloyds branch (where she has a current account) on 23.02.2000. In the signature box the right to cancel notice is missing. This application must then have been processed by the bank, hence the stamp '28.2.2000' and subsequently signed by a G. Suaz (or so) on 4/3...presumably also 2000. That same person also wrote the words "ACCEPT £6,000" next to the title. This probably refers to the credit limit which is nowhere else on the form. The back of that form is an equally poor copy of 'Asset Gold Conditions - Original copy'. Can I trust Lloyds to not have copied the current T&Cs? Not sure...maybe somebody here with knowledge about interest rates levels/charges back in 2000 can answer that question... So, from what I have gained in knowledge by reading various posts on this site it seems to me that: 1. Lloyds have thus far not sent the "proper" CCA 2. If this application form is all they've got, the 'right to cancel' is missing and... 3. ...the credit limit [maybe] However, the information I failed to gather on this site is to do with any subsequent increases in the credit limit. I do not have the exact history but to the best of my knowledge, the limit was later raised to £10,000 and ultimately to £15,000. What happens in these instances then? Is a separate CCA always needed for any of these increases? A bit of background to our situation of late: We're both self-employed and like thousands of other SMBs are finding it difficult to cope with the current recession. Lloyds have been no help. I had told them that we cannot afford the CC payments currently and tried to reach a mutually acceptable payment agreement with them but they refused. I already had cancelled all the Direct Debits on my wife's current account yet Lloyds' stand is that, under the terms of the agreement, I cannot cancel this very Direct Debit. So, bar available funds, Lloyds are charging £156 (!!) in penalty fees per calendar month alone for this DD to fail - with no other money going into the account other than Child Benefit of £136. The balance outstanding on the Gold Card has thus increased to £17,800 in recent months. I therefore started a banking charges reclaim using Martin Lewis' website. A total of £3,056 was calculated on just this one account alone. Still, Lloyds [so far] refused to accept that we are in financial hardship despite their very own Gold Card being in default and the current account's outstanding balance ever increasing due to the negative mismatch of incoming and outgoing (see above). Needless to say these are the least of our problems. I had furnished Lloyds also with copies of Utility companies’ warrants to change our meters, mortgage companies to repossess our properties or put them under LPA 1925 Receiverships etc! Still, Lloyds claims we're not in financial hardship. I could go on and on and, trust me, it makes for good reading... We had a good relationship with Lloyds when things were still run by the branch manager, he knew us - we knew him, things went wrong he called us and vice versa. Those days are all but gone. They've been replaced by a stoically robotic, almost malicious code of conduct by the banks - strictly by the book - without any human input whatsoever and the Government turning a blind eye to consumer rip-off because they need to recover the taxpayers monies they've pumped into the banks in the first place. But that's an entirely different story altogether... So, I'm game. I can adjust to that level. By checking that CCA I am. Aggravated and exemplary - jointly and severally! Until the OR do us part? Your views [on the CCA] are greatly appreciated! Many thanks. 2.pdf 1.pdf