Ok I will send a CCA letter for both the accounts directly to lloyds and a SAR - I will have a look to see if I can find a template for a SAR on here - will keep you posted - thanks again

I stated the reference number scm solictors stated on their letter. Based on the amount they where requesting I did think it was the full amount for both the credit card and loan. If Lloyds no longer manage it does it mean it's back with BLS or sold to someone else whom i am yet to hear from? Would the loan have come back to them from BLS , is it best to send a letter for a SAR ? Thanks for all your help

Sorry Ford - Yes Lloyds did say they do not manage the account but did not mention who does or if it was sold. I originally had a loan and credit card with Lloyds both accounts where passed to BLS. I assumed that SCM where solicitors/dca's working on behalf of Lloyds so wrote to them directly. I do remember I received letter from BLS collections based in Oxford in 2011 regarding the same debt but then starting receiving letters from SCM.

They are solicitors

The letter was sent to SCM but the reply was from Lloyds TSB with a copy of my letter enclosed...I can resend it to them but as the 12 days have passed now thats why I wanted to send the second letter. Do you have a template letter for a SAR by any chance? I would need to check the agreement to confirm if it included PPI. Thanks

Ford - The accounts is in default and I am being threatened with a Notice of Intention County Court Proceedings

Thank you for your reply Citizen and for kindly offering to move the thread, i will look out for the link. I have sent CAA1974 request and have not heard from LTSB. I have been looking for a CCA second letter template but have not been able to find anything as of yet. Would you know where I might be able to get one from? Thanks again

Hi - Thanks for the quick replies Ford - I will start a new thread Citizen - I am not sure what the difference is between the 2 but i am trying to get a copy of my credit agreement under the consumer credit act 1974 sorry if the last post was a bit confusing - just found the thread in google and wanted to share my experience and looking for a bit of help.... All the best!!

Dear Mr ***** Thank you for your recent payment. Unfortunately we are unable to accept this payment as you have requested documents for an account we do not manage, please find the cheque enclosed. If you do require documentation for a Loan Account, please confirm the loan agreement number and return the cheque to be represented. Cheques should be made payable to Lloyds TSB a/c HPES. If you have any queries about this, or any other matter, please do get in touch with us. .... I am not sure if they are trying to confuse me but the reference i sent was stated on the SCM letter and i sent a postal order and not a cheque that they have returned back. Should i send a second CCA request letter or send them further information? I assume they have some record as they have been forwarded the request from SCM? Any help would be most appreciated Thank you