sending sounds through the coloured rca leads will NOT produce 5.1 sound, this will only happen via an digital optical lead, u then need to go into your sky sound settings and change it to dolby digital aswell. I have Sky HD, Bluray and PS3 all done via an amp, any other questions please ask

no dsar yet either

Right then, i received a response from lloyds today along with some paperwork. I havnt got a scanner so trying to find another way of getting them on here, Basicsally the covering letter said that the paperwork they sent was what was requested under the CCA and had fully cooperated under this law, also mentioned they WILL NOT responed to any more request for more paperwork lol, All i got was an executed agreement between me and lloyds, loan amount, monthly repayments apr etc, NO SIGNED PAPERWORK and some T7C's, will try and upload these someway Any ideas?

The loan was origianlly in my wifes name taken about 9 years ago, then about 6 or 7 years ago it transfered into my name in the local branch, it was to consolidate some other debts. I had a really good credit history so my APR was low, hence the transfer.

I was gonna write to them with a token payment also including a I & E sheet, what they have never done and which im gonna ask for is that all charges and interest is to be stopped

I have no PPI as i knew it was a con a long time ago, i've sent off a cca on the 10th jan just out of curosity, No charges for late payment etc, just the intrest racking up,.........funny thing is that i got sent a letter saying if i pay 3k, they would let the loan go, i didnt even prompt them for this......so that came out of the blue

The status with lloyds is that the loan is with there collections dept as the payment was less than what they wanted, the £800 overdraft was with them when it was over but now as they "its in credit" Just received letters saying that there unwillling to accept any payment lower than what i want which is about £10 a month due to the fact of having no income. Thanks kurvaface

Hi everyone, just looking for advice on how to deal with lloyds........ This is a quick breakdown of what happened in 2010, In january 2010 my wife suffered a severe breakdown and went on the sick, she moved into her mums who is a psychatric nurse to care for her, i went back to my mums with my 2 yr old daughter, My wifes income stopped in Jan 10, was about 30k year I had to go part time to care for my daughter and dropped to about 7k a year. My wife saw my daughter for an hour every sat as that was all she can manage, she also tried to take her own life on 4 occasions. Subsenquently i had to go on a DMP with CCC's, as the debts were in my name, The debts are, Lloyds unsecured loan £5000 LLoyds overdrafts x 2, 1 x £500 currently at £546 and the other £800 currently at £719 Barclay card £1000 limit, balance £987 TBI financial services, balance £424 Barclays personal finance, balance £234 My wife has just about thought about going to work after having a year off, she is going to do pub work etc just to get into the swing of things again, i myself was made redundent on xmas eve. I have spoken to CCC's today and have explained to them i cannot afford the £143 per month payment for my DMP. all the other creditors have been very good and reduced everything they could and i have to pay them is about £30 per month between them. However lloyds have got funny saying it's not there fault im in the situation im in etc. To top it off, my wife has a CC with them and even though i have nothing to do with it (second card holder etc) they informed CCC's that this was MY DEBT, you can guess what i told them. Any advice would be very welcome, thanks