so you are suggesting sending a SAR then to see what other info they may have

I have written my first letter to RBS requesting a copy of my CCA with reqd fee. Since then i have had a number of replies. The first being 10th Dec saying they can't find my original CCA. The second on the 11th Dec sending me a default notice. The third a letter saying they do not have my original CCA, and returning my £1-00 fee and saying they cannot comply with my request, but i am still obliged to pay and the agreement remains valid. I have uploaded all the correspondence in pdf format for comment. i look forward to receiving advice as to my next step as to what i should do. RBS loss of CCA.pdf RBS 1st letter.pdf RBS 2nd letter.pdf RBS CCA 1.pdf RBS CCA 2.pdf

I also have an interesting experience with MBNA and the documents sent to me if anybody wants to discuss

Thanks Vint

thanks Vint. Therefore if I send the 2nd letter after 12 working days asking again for a copy of the signed agreement what i think you are saying is i won't get one, and they are not obliged to provide one. As to the account i don't know if the account number has changed over the years, i don't even remember when i signed up with LloydsTSB. What would you advise as to the best course of action. By the way all they sent me was a copy of their T&Cs they did not include as per their letter a signed statement of my account

so 1985 is a load of baloney?

Have been following this thread with interest and have sent off the stated letter and £1.00 PO requesting the info as suggested. Received my first letter back from Lloyds TSB today identical to LB145 other than it states the following: " As your agreement was made before 19th may 1985 we have no obligation to supply you with a copy of your executed agreement etc etc". Anybody have any thoughts on this