Hi there, Wish I could but they relate to 2000 to 2005 and I threw them out long ago. lloyds don't argue they charged it they argue I agreed it in the CCA. So as long as they "hide" the agreement I am snookered as i cant prove a negative. if this is right that they don't need to keep copies of CCA's anymore then Lloyds just say well it was on there and I cant prove it was not. Personally I am amazed that they can be allowed to not keep copies as copies stop this.... thanks

Hi, I have an action with Lloyds over a Mastercard. I wrote to them after talking with a claims company as i had been in the past charged for PPI. Lloyds response was that they no longer had a copy of the agreement as it was taken out in 2000. i followed some of the letters on this site and in late 2012 after just no responce at all i stopped payments. Lloyds after taking their time have now issued proceedings. they have stated to the Court that they have no requirement to produce a true copy of the CCA following the Carey v HSBC bank plc (2009) EWHC 3417 (QB). It would appear to me that i am now stuffed in two respects. 1. I cant prove they did charge PPI for the first 5 years (i never signed an agreement when i took the card out it was done in a branch and i was informed a few days later i had a card on the way. Lloyds maintain they did have my signature on the agreement agreeing to PPI). 2. without the proof they have no signed agreement i have no defense against the Court claim. can anyone help as we are now in play so to speak. thanks,