Talking about that ID badge - Christ, times must be hard for Geraldo!

How do I send a PM? I have a couple more questions to ask, but just in case 1st Credit or LTSB are reading, I don't want them to see it - I'm well aware that DCAs read these forums.

No, they were all issued (all four of them) before the accounts were consolidated. It seems that shortly after they closed the separate, LTSB consolidated them (again, without any prior consent or agreement). Also, being that [problem] issued DNs of their own, being that they basically ARE LTSB, and being that 'their' 7-day window DNs were issued later, then they would have be classed as 'corrected' DNs, would they not? Me being the cautious type, I've retained the original loan doc (it's invalid also - incorrect APR calculation, among other things) AND the 'consolidated' fake agreement. I daresay if it did go to court, and I pulled out the latter, then that wouldn't go down too well with a judge.

I sent a SAR to LTSB years ago - which is something else that was incomplete. Because it was incomplete, this was a central reason for why I refused to budge. Besides, the 'I Have No Knowledge' letter's already been sent. So, for now at least, I'lll be able to wait and see what they come back with. Possibly, one of their comedy letters offering Generation Game prizes...

only payments made by you would intefere with sb status - if you have not made any payments or acknowledged liability for a period of 6 years then it is statute barred. Goody. this has been the subject of much debate - who has to let you know.. As long as either oc or new owner advises then that is ok, apparently. Anything in legislation about that? hmm, another hotly debated subject. Consolidation would normally require a new contract to be entered into. It would appear that hasnt happened. By merging contracts with different cca protections, they are depriving you of those very protections. No agreement to consolidate was ever made by me. In fact, the 'mocked up agreement' I referred to earlier, was for a credit card account. Apart from my never having, using or requesting a credit card (not through any company), it wasn't even my handwriting. Plus some of the details were incorrect as well. And yes - I still have that document. the loan is well and truly protected by the cca1974 act. The current account o/draft has limited protection under the act. When you say 'limited protection' could you elaborate on that a little further? ltsb do have a serious problem with their default notices - so this could well serve you in good stead. However, you will need more than just dodgy default notices if this ends up in court. If they have terminated the accounts and it would appear they have done.. Then i dont think they can issue corrected dns. They're invalid because they jumped the gun in closing the accounts down - insufficient time allowed. [problem]'s later default notices only allowed a 7 day window (I know the window is a minimum of 14). Plus, if the DN was dated on a day that turned out to be a Sunday, then that day can't be counted as Day One, can it? Best of all though, [problem]'s default notices were issued later than LTSB's. an s78 request (cca) requires that you are provided with: a copy or reconstruct of the original document a statement of account showing how they have arrived at the balance being pursued (to include charges etc) terms and conditions from both inception and at time of default. until these are provided then they are in breach of the request and as such can telephone, write,harass, threaten and issue a claim.. But.. They cannot obtain judgment !! As I mentioned before, the bulk of the time's been delegated to various DCAs pursuing the consolidated account, for which the CCA request was sent. The OC can't just 'de-consolidate it back' in a vain attempt to circumvent that unfulfilled request, can they?

OK, long story. I had a LTSB loan and current account, which were closed over five years ago. The only transactions that came out for months before that were LTSB’s own charges. I’m well aware that this means the ‘accounts’ are close to being statute-barred. In fact, looking through the statements, if LTSB’s own charges are not classed as being ‘my payments’ by law, then the accounts would be SB already.. Anyway, shortly after that, the account was predictably passed to various DCAs, by which time LTSB had ‘consolidated’ the two accounts into one. I sent a CCA request to AIC some years ago, and got a written confirmation from them that the CCA I’d asked for was unobtainable. I still retain that letter now. Then, shortly after that, LTSB sent me a mocked-up agreement – for an account I’d never had. I ignored correspondence after that, as I knew that ‘agreement’ wasn’t valid. I should mention that when the ‘accounts’ were with LTSB, they were subject to a myriad of various different problems (‘War and Peace’ has nothing on all that!) – claim-backs, complaints, and info requests all unfulfilled. For several years, nothing at all – until now. It looks as if said ‘consolidated’ account has now been ‘de-consolidated’, and one of them’s in the hands of the shifty 1st Credit. In their letter, a black-and-white LTSB ‘Notice of Assignment’ arrived in the same Reigate envelope as 1st Credit’s standard ‘Account Assignment’ document. Their letter wasn’t sent recorded – in fact, apart from two orange bar code lines, there was no franking at all on it. I’m well aware that 1st Credit are trying their luck, and the ‘I Have No Knowledge Of This Debt’ letter’s already gone out by recorded. However, there are a few points I’m a little unclear about and I’d like to ask :- 1) Are LTSB’s own charges deductions classed as being ‘my payments’? I should mention that I was disputing the validity of charges for a long time before the ‘accounts’ were closed. 2) Shouldn’t LTSB have sent me a NoA direct? This hasn’t happened. 3) Can LTSB consolidate accounts, and then ‘de-consolidate’ them back without consent? 4) LTSB and [problem] both issued two default notices each – none of which are valid. As the accounts have been closed without valid default notices, where do I stand on that? 5) Being that AIC were pursuing the ‘consolidated’ account and a CCA request to them, then does the CCA request still stand with 1st Credit? The account amounts that AIC and 1st Credit differ quite drastically. I'm very grateful in advance, for any advice and clarification offered.