any help or guide line for me please!!

Hi, I dont know how I went to my overdraft limit but this account was not used for years and I was on arrangement to pay minimum to reduce my overdraft limit. when I missed few payments my payment plan cancelled, and SCM solicitors sent me letter on Lloyds TSB behalf and asked me to pay money. I contacted Lloyds tsb and they said they cant discuss account as SCM is dealing with this, when I contacted SCM they said they cant make any new arrangement and my bank account will be closed and matter will go to consumer recovery branch. I filled complaint in LLoyds TSB and when Lloyds complaint department phoned me I told him that I recieved various calls from lloyds regarding this account and I was advised if I will make token payment Bank will restart new payment plan, I made token payment why bank is not making new payment plan, he said this account is in this condition for years and few promises broken so they have to close this account and they sent me cheque of £75. He said now Consumer recovery peoples discussed future payment plan with me. I thought I will get seperate demand for recovery peoples and then I will discuss minimum payment, but Yesterday I recieved CLAIM FORM on behalf of lloyds tsb from Northampton county court. There are bank and overdraft charges added to this amount. but I dont know how much. Please advise what options are available to me, and How can I deal wth them. Best regards. zee

Hi, I sent my CPR 31.14 request to lloyds solicitors on 26 October 2010, using recorded delivery, Just checked from royal mail tracking system, that it was recieved and signed on 01 November. My question is does 7 days response time from claimant starts from 01 November or before. Also, do I need to send them reminder again. I need to submit my defence before 14 November. Thanks and regards.

Thanks IdaInFife for looking on my credit agreement, If nothing wrong in agreement, any solution some one can advice me how to defend my case. How to prove that PPI was missold. Is there any way to not to get any judgement but settle payment arrangement with bank, or through court but without judgement. I never recieved paper copy of default notice. Only came to know after receiving court claim form. Reference to http://www.consumeractiongroup.co.uk/forum/showthread.php?171037#post1845581 Post 5 to post 12 and so on... ====quote=== Re: Multiple agreements falling within section 18 CCA 1974 31 .05.2005 the rules changed so the agreement containing the PPI what ever it was for would require a separate box for signing to say you want PPI ====quote==== I took my loan in 2004. will this not make any difference. Thanks and Regards

HI Silverfox1961 thanks for looking on my loan agreement. Yes loan was taken in Bank southshields branch, I am sure PPI was missold. I read multiple agreement thread, but cant figure out where my agreement stands,only thing I understood is that mine is multiple agreement(attached above) I need someone experienced to advise me exactly what I should look in, where my agreement stands, enforceable or not and how can I use it in my defend. I am still waiting for Lloyds solicitors to reply my CPR 31.14 request. As Slick132 advised I am in process of preparing my defence, I will post my defence here before post, so someone correct my mistakes. regards

Thanks slick so kind of you. I am reading through other posts, yourself and other experienced CSG's saved many lives. I hope i will be debt stress free soon. regards.

Thanks again slick132 I didnt sent CPR 31.16 , but I sent CPR 31.14 as advised to me previously. in my CPR 31.14 before I finally printed I added account statements as well, Please advise do I need to send CPR 31.16 separately for account statements/ transaction details. thanks. Also what you make of my Credit agreement, where I stand, how enforceable this agreement is, I noticed on agreement heading its says Non cancellable special loan offer, mean once i get money I cant cancel, or what ever? I am very grateful for your support slilck, I was very much stressed before visiting this forum, bless you all. Below is my updated CPR 31.14 request Which I posted using recorded delivery. Dear Sir, Re: SCM Solicitors DEPT CDR v Mr. Z S Case No: 1**********8 CPR 31.14 Request On 17th October 2010 I received the Claim Form in this case issued by you out of the Northampton County court. I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim. Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of the documents mentioned in your Particulars of Claim: 1 the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the originals should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2 the default notice 3 the termination notice 4 Account Statements 5 any other documents mentioned in the Particulars of Claim Although your claim is for a sum which is not more than £5,000.00 and will in all likelihood be allocated to the small claims track for determination upon my delivering a defence, at this moment in time I have not delivered my defence and the case has not been allocated to a track. In consequence the provisions of CPR 27(2) are of no effect and you should not seek to avoid compliance with your CPR 31 duties by claiming otherwise You should ensure compliance with your CPR 31 duties and ensure that the documents I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case. Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any versions to include an obligation to recover and preserve such versions which are now in the possession of a third party. In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request. If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence. If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing. Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order. I do hope this will not be necessary and look forward to hearing from you. yours faithfully Z Address:

Hi, I got my Lloyds loan with PPI on 3 feb 2004. SO please advise if any booklet available for that. and from where I can get this and how can I use this. regards..

Hi , reference to previous post Just uploaded credit agreement in my post. direct link of agreement is below for better preview. Please click on ZOOM (+) to zoom in image. Regards http://picasaweb.google.com/lh/photo/iktLoNl_dRqNUKrcuT289Yn2pZ3Qbi0wruzB5NHfseE?feat=directlink http://picasaweb.google.com/lh/photo/d_lZAyoR8gYMn5eA901emYn2pZ3Qbi0wruzB5NHfseE?feat=directlink http://picasaweb.google.com/lh/photo/NUxKcc8GlnijyZyuCZdgK4n2pZ3Qbi0wruzB5NHfseE?feat=directlink http://picasaweb.google.com/lh/photo/ebB-rpaj_wtvwDln49tFrYn2pZ3Qbi0wruzB5NHfseE?feat=directlink http://picasaweb.google.com/lh/photo/GMybqwZGEYKEcVJs1VZW-Yn2pZ3Qbi0wruzB5NHfseE?feat=directlink

Hi, As i done my 20 posts I am able to upload Images of credit agreement, Kindly advise what I can do using this agreement in my favour. Direct link for images are after current post. You can zoom in using direct link below for better view. regards.

Can I reclaim any charges. i only spent around 400 out of 500 limit now I owe them over 1100. Any format of letter available so I can request barclay to provide me full list of account statements from start of my account with them. thanks

I am also dealing with barclay card credit card, Car limit was 500, few years before and now my remaining balance is over 1100, i understand I am lazy in keeping payments but whenever they put pressure on me i se minimum arrangement to pay them, this also haappened when BC passed my case to Marcers and I made agreement with them paying 15 a month. can i ask BC to send me complete list of my payment including payment I made via marcers. will this be possible if BC have recors of my payments to marcers. Thanks

If loan taken in bank branch and signed by both parties for PPI insurance. does this remain invalid if banker told me that you cant get loan without optional ppi. I believe this as misold loan. How to prove this, PPI added in loan increased actual amount to about 1266.68. thanks

Unable to upload my loan agreeemnt yet as posts are less then 20,, I need some one experienced to look on my agreement if this is still enforceable or ppi is possible to reclaim.

If loan taken in bank branch and signed by both parties for PPI insurance. does this remain invalid if banker told me that you cant get loan without optional ppi. I believe this as misold loan. How to prove this, PPI added in loan increased actual amount to about 1266.68. thanks

I also complained in FOS, they send me copy of complaint which original sent to lloyds. How many days we uaualy have to wait from bank before call fos again, thank

HI SLick, thanks for your much valuable reply, I am reading through posts. I noticed in my credit agreement that they is no indication of Right to cancel agreement. but I can see right to Settle this agreement. does this make any difference.

Hi, WHat to check in my credit agreement to see if my Loan is enforcable or not. Any link which can help. thanks

Hi, thanks for help slick and others. I need to submit my defence before 14 Nov 2010, still waiting from Lloyds solicitors to reply my cpr 31.14. I don't want to get any judgement against me. Please advise if this is possible. and how? How can I prepare my defence my self. what should be my next step. I am really scared of days ahead. thanks and regards.

Hi, Reference to your question, I don't have account statements and relying on CPR request. Latest:I phoned financial ombudsman Today, and advised about my situation, Person asked me if I want them to send complain on my behalf to lloyds about PPI, and I said yes, I provided them with my Lloyds personal loan account details. He said if I will not hear from lloyds within (I forgot 60 or 90 days) then call ombudsman and they will take it from there to sort this out. Ombudsman gave me reference number for future correspondance. Now CAG's seniors, will this offiicial complaint can help me to stay away from court, should I make this part of my defence that official complain from ombudsman is still in progress and they should not pass any judgement or claim against me until this respolved. or should I contact SCM (lloyds bank) solicitors in writing that they should not proceed until decision made by ombudsman?. Kindly Advise. I tried using/ Inserting image using external Source(picasa) but getting this error: Errors The following errors occurred with your submission To be able to post links or images your post count must be 20 or greater. You currently have 10 posts. Please remove links from your message, then you will be able to submit your post. Kind Regards.

Hi SLick132, Thanks for your help and guidelines. this was personal loan, I was doing Security officer job on these days. My CPR 34.14 Letter was actually copied and pasted (Link provided in POST #2) with my details in, but I noticed some one in other post mentioned CPR 31.12. I already posted cpr 34.14 do I need to also send CPR 34.12. Kindly advice what should I do now, wait and see?What you think about my PPI claim after reading my credit agreement attached above. Also I never received Default notice. can I use this in my defence. How should I start preparing my defence, or wait until response of my CPR request. Regards. My CPR 34.14 is as follow: Dear Sir, Re: SCM Solicitors DEPT CDR v Z.S) Case No: ****** CPR 31.14 Request On 17th October 2010 I received the Claim Form in this case issued by you out of the Northampton County court. I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim. Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of the documents mentioned in your Particulars of Claim: 1 the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the originals should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2 the default notice 3 the termination notice 4 any other documents mentioned in the Particulars of Claim Although your claim is for a sum which is not more than £5,000.00 and will in all likelihood be allocated to the small claims track for determination upon my delivering a defence, at this moment in time I have not delivered my defence and the case has not been allocated to a track. In consequence the provisions of CPR 27(2) are of no effect and you should not seek to avoid compliance with your CPR 31 duties by claiming otherwise You should ensure compliance with your CPR 31 duties and ensure that the documents I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case. Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any versions to include an obligation to recover and preserve such versions which are now in the possession of a third party. In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request. If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence. If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing. Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order. I do hope this will not be necessary and look forward to hearing from you. yours faithfully My Name

Hi, Thanks for reply, Please find attachment of credit agreement I received from Bank.Please correct me if you find any mistake. Please advise if I can make my case strong using PPI.

reference to previous post, please if some one advise that in my case, this payment protection insurance policy can be define as miss sold PPI. As I signed this policy and paper to sign was presented to me along other loan document. and I was told that this is part of loan and I must buy this. even though in paper work it is mentioned as optional protection policy. I dont even remember if I did sign one, but copy they provided have my signature. kindly advise. I contacted one law firm and they said they will charge me £500 to check my documents/ agreement to see if loan is enforceable and PPI I have is mi sold or not. if they think all ok they will go ahead with this on No Win No Fees. But initial charge is £500. I am really confused, don't understand what to do next. Kindly advise what should my next course of action should be. Thanks and regards, Zee

Hi, Received my credit agreement from bank, which I requested few days before, along with credit agreement. They actually added Payment protection insurance policy in loan and made this PPI part of loan which added £1166.68 in my Loan with monthly repayment of £24.51 extra. I signed on this agreement. I am sure when I applied for loan person who dealt with me in bank advised me that this PPI is part of loan and I must have it. Please advise does this make my case to actually claim that PI was sold to me without advising me and left me with no option. Kind Regards. Zee

No Answer me yet! Any way I submitted acknowledgement of claiim and also sent crp 31.14 what could be possible outcome:( thanks for help. regards