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...

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!

I understand, just that sometimes it is good to get that sense check

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....

Another point to note, is that I was forced to take credit from by my then Partner.  So Financial coercion and financial abuse forms part of this situation. 

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. 

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? 

And NO my name was not typed by the tick box. 

The page you see is the page they sent 

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? 

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'  

I'm confused? I don't understand?

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 

they didnt send statements, they only sent CCA documentation, let me scan it.... 

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 ?

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

sent the replies back they would have had them on 30th October and had nothing back yet - how long do they have to respond?

how do companies like Link manage to get people into court for current accounts / overdrafts if they are so difficult?

Hi DX, had a good mooch, but couldnt see any threads that details OD and PAP - cany good links that you would recommend?

There are 2 x overdrafts. 

I would say I opened the accounts maybe 10 years ago?  If I am totally honest, I don't actually remember.  I know they were joint accounts with my ex-hubby and then after the divorce he took 2 accounts and I took two accounts.  We took each others names off the accounts (with help from the bank) 

How do you mean ' as for the od, just forget it'?

perfect - have done the cards and the overdrafts.  I am just on the limit for the 30 days (the LOC was dated 29th sept, but received on 3rd October).

what do you think Kearns will say?, in your experience what is the usual response?

DX - my apologies, I think I am confusing you.  

I have received 3 letters from Kearns (letter before claim). 

these are for 3 x Lloyds debts.  1 x Credit Card and 2 x overdrafts

I have responded to the PAP using the right forms on the link to the thread you sent me.  I have also CCA'd LC Asset as they "claim" to own the credit card debt and sent them the £1 fee.

I couldnt see a letter template that applied to overdrafts, and wondered how LC Asset could demand payment?

I am also going to write to my creditors to advise that i am a vulnerable person due to the domestic violence and financial abuse when the debt was accrued, and potentially highlight irresponsible lending, as my debt spiked very rapidly in a VERY short space of time.

that is who, my OD's are with 

so on what basis can lloyds enforce it?

I wondered what the format was for replying to LOC PAP for overdrafts as couldn't see what section of CCA it applied to 

I selected the post from the thread you suggested DX - thankyou

can someone advise what the format is for Overdrafts?  I have responded to Kearns re: LOC PAP, but I cannot find a template relating to overdrafts?

just a point to mention, I have had three of these letters, all the same 'creditor' and the same date of the LOC.  One os for a credit card and the other two are for overdrafts, 

DX - do I use Post 2 for consumer credit and Post 3 for the overdrafts?

just a point to mention, I have had three of these letters, all the same 'creditor' and the same date of the LOC.  One os for a credit card and the other two are for overdrafts, 

DX - do I use Post 2 for consumer credit and Post 3 for the overdrafts?