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Feelingdownandout

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  1. I have kept the charge sheet that 'he' was issued with, along with the details of his arrest and the bail conditions (detailing that he is not allowed to go near me), and also a letter from Shropshire Domestic Aid, detailing the physical, emotional and financial abuse. I also have a raft a photos that clearly show my bruises, as well as that my GP is aware. I have told PRA about this and they have asked me a variety of questions as well as asking me for the details of my GP...
  2. Thankyou, you have helped to calm me down and get things back into perspective. They still havent responded to my respects in the response to their LOC!
  3. ok, understood. Based on your experience and what you have seen that has been provided by Link (albeit on their own letterhead), and without the data you referred to in point 1, do you think that a judge would enforce it? Link will clearly try and take me to court to obtain a CCJ....
  4. Hi DX the only thing that is there is as you see it. Can Link enforce this? if so what would my next steps be? Clearly they have provided what they believe to be the 'original agreement' from Lloyds.
  5. Thanks DX Can I just check with you - where on the documents would the IP Address show? Having checked the documents address type face - on Part A the font looks the same. (page 1), the type face on the first 6 pages is consistent. However from page 7 onwards the font size is different - there appears to be four different sizes of font? The document headed New Customer Copy Template - Lloyds Bank credit card Conditions - Customer Copy, my name & address appears, again in the same font as the ret of the document, but I notice that the number -1- on the page has shifted right and isn't consistent with the other 5 pages? Again, the back end of the document is different again, not consistent at all. two parts of the entire document are 'clean print' the rest is different. Maybe I am grasping at straws, but would appreciate your thoughts on its validity? and whether or not it is in fact enforceable and what happens next?
  6. OOOHHHH ok, I hadnt considered the type face, I will check when I get home and revert back. not sure what you mean by an IP address is?
  7. Link are claiming this CCA is the original, and therefore the debt is now enforceable. I agree with you totally that it should be on Lloyds paperwork and not on link, as if it has just been printed. On what basis do you think its 'bogroll'
  8. CCA.pdf Hello, attached PDF with the info that link sent to me. There are a lot of pages - I have removed my name / address etc
  9. Hi DX Yes, the Credit Card account (lloyds) have returned the CCA , about 50 pages of CCA! No CCA's for the Overdrafts as you already suggested they might not send me anything! do you want me to scan it all? or are there any relevant sections? it is a peculiar document because there are two of: Part A Credit Card Agreement (7 pages). The first one has the tick box on it and a date of 04.09.20.19. The second document entitled Part A Credit Card (4 pages) agreement Says - Lloyds Bank Credit Card Terms and Conditions - Customer Copy - Backbook Customer Copy Template - LRST01 non BRL. This document is duplicate except that it has NO tick box or date. There is a Part B - Additional Important Terms - 15 pages Then another Credit Card Agreement Regulated by the CCA 1974 Part A - printed on the top of the first page states New Customer Template - LRST01 Non BRL , no tick boxes or dates on this document and then another Part B document undated. Hope this makes sense, I can scan if needed ?
  10. Good Afternoon, So, just when I thought that I might be able to breathe a sigh, I have received the attached letters. Initially I received 3 x LOC. 1 x Credit Card and 2 x Overdrafts, to which I responded, these are the responses; in order: 1. CCA Unenforceable 2. CCA Pack Received (printed in Link stationery) with just a tick box next to the signature box, and dated 04/09/2019 3. Letter saying CC debt being passed back to Link 4. LOC response to Overdrafts (2 off) 5. Further correspondence relating to 2 x overdrafts Link CCA Reply Credit Card - awaiting reply from OC.pdf Link LLoyds credit card CCA enclosed.pdf Kearns - Credit Card account returned to Link.pdf Kearns returned to Link (LLoyds OD).pdf Kearns - Dispute Ack Letter (LLoyds OD).pdf
  11. sent the replies back they would have had them on 30th October and had nothing back yet - how long do they have to respond?
  12. how do companies like Link manage to get people into court for current accounts / overdrafts if they are so difficult?
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