I am now applying for the SAR but what is a CCA? Thank you for the advice

This doesn't show on our credit report either. Is Ind even a ligit company? Lloyds are looking further into the credit card now and if they still can't find anything the manager will write a letter to the courts stating their was no such card. I hope this will help!

We don't understand it all either! We didn't receive the statements from lloyds but from ind! Yet the handwriting on the application form ind sent us is very close to my husbands but not quite right like it has been fraud. I can't understand why lloyds can't find the card details unless they are just not looking that far back or once a debt has been sold perhaps the details of the card go? Ind won't give us any information on who they are talking to at lloyds to get their information. The lloyds bank manager called them and he couldn't get any answers either! Doesn't give us much of a case to fight really which I guess is ind's aim! Are ind allowed to withhold this information?

Thanks for replying. Ind sent us 2 year of statements from lloyds and the application form that we supposedly completed yet Lloyds have no record of these???? Ind are persuing the debt. They withheld the statements untilwe went to court to set aside the ccj which is when tbey produced them even though we had requested them direct from lloyds we had never received them. The credit card agreement looks like it had been made to look like our handwriting but the signature is not correct. Therefore ind are getting a handwriting expert involved at our cost if we lose! Its all very odd that lloyds cant bring up details of this card unless its because it was taken out in 2005!

Hi all. We are at a deadend with a case that has come to light over a credt card debt bought by ind from lloyds. The first we knew of this debt was a letter from hegartty llp saying they were taking us to court. We never had a credit card with lloyds or anyone else ...ever! We disputed the debt but nevertheless tjid was ignored and a ccj applied. We went to court to get the ccj set aside and this was successful however, it hss just started the case all over again. The position we are in at the moment is that the case has been stayed with the court awaiting a date. Ind will not help us in any way. We have built up a defence with statement s from family and employers saying we were not at the places where the money was spent on those dates. They withheld the statements until we went to court! We have been to lloyds and they say the credit card number never exsisted but as this dates back to 2005 I am dubious. We asked ind for info on the debt and they never give it to us. I cant afford a solicitor and the police dont want to know as its s civil matter. Lloyds are really helpful and are following fraud procedures to dig deeper. They themselves called ind for advice on how they can help but they were not co operative at all. Ind told Lloyds to open an account in our name and see what pulls through but there was nothing! We had our wallet stolen at the same time of the debt snd lived in a shared house. We dont know what to do next. Please help!

We too are going to court with Ind Ltd sorry I don't know how to start a new thread! Is this company even legal? They are trying to take us for a credit card from lloyds which lloyds say doesn't even exist! We had a CCJ set aside but we are now at a stay with the court. We really do not know what we are doing but it is blatantly obvious it is fraud. Lloyds are writing a covering letter to say the card never existed but we don't know where to go from here?