Hi Vint et al, Have received three letters ( whilst on hols) requesting payment of arrears from RMA ( Risk Management Alternatives). Is template letter no.17 an appropriate response? Many thanks once again.

Hi all, returned home to response to letter sent #55. They have sent duplicates of the reconstituted agreement as well as another copy of the application form in #50, though they now refer to this as "a copy of the original signed agreement". Their opinion is that they have sent enforceable documents as prescribed terms are present .....blah, blah, blah. So, nothing has changed and will await their next move.

Babydoll, thanks for stopping by. Read your thread earlier today, interesting stuff; think Halifax are just clutching at straws. Reconstructed agreements - whoever would have thought a 'reputable' institution would stoop so low! Will continue to watch your developments with interest. Vint - thanks, I am aware of that.

Best of 'luck' John. Here's hoping justice prevails. x

Hi Vint, (or should that be "angel at my shoulder"), Letter duly prepared, will post tomorrow before we leave for a much needed holiday. We had already noticed the different print codes; the only reason we thought it may have been an on-line application was due to the personal details having been printed but guess anybody could have filled those in! Did you spot the deliberate typo in the title of the card applied for???? Have had a bit of time to do some extra reading today and it seems that this type of document has been sent out a few times before. Poor old Halifax, cat chasing tale me thinks. Shame!! Thanks so much, you're a little star, always there to lend a guiding hand.

Hi Vint & MM, thanks again for your input. So, business as usual then, you agree that this is not enforceable? Looks as though it may have been an on-line application (2003), if so, am I right in thinking that a full agreement should have been sent for signature? IYO's is it worth sending CPR letter just to make sure they have nothing else or just wait for their next move?

Hi all, Received this morning, letter stating - "Further to our letter dated 9th September 2009 I now enclose a copy of the signed application form as requested." Have no knowledge of said letter and have certainly never requested copy of appplication form !! This is what they have sent, front and back of one page - Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting We think it's another reconstruction, would be grateful for your thoughts on enforceability please. Guess it's good they confirm it's an application rather than an agreement though!? Thanks as always.

This is exactly the same 'sort of agreement' that we received, although the application was a few years before yours! Have a look at my thread below, think you will find it useful. Fluffy. http://www.consumeractiongroup.co.uk/forum/mbna/215941-fluffystuffs-oh-mbna.html

Thanks for all you replies, will just wait for the default notice now!

Can anybody advise please, should we respond to their letter i.e. to remind them the account is in dispute ?? Phone calls now every 2 hours throughout the day, so time to send off the harrassment letter? Thanks in advance. (Sorry for the questions, just want to be seen to have followed correct procedure.)

OH received letter this morning, informing him that due to his missed payment (only 4 days late on the date the letter was written) his credit limit has been reduced to just above the outstanding balance! So this will be a nice little earner for Halifax as they will be able to charge overlimit; 'cause of course they're still adding interest, as well as missed payment fees. Assume this is standard practice. So, in the event that sometime in the future they produce an enforceable agreement, will OH be liable for interest and charges since the account was placed into dispute or would it just be the balance outstanding pre dispute? Also wondering if it's worth responding to said letter - advice please would be appreciated. Ta muchly.

Further update ~ As suspected, still no response to letters but missed payment has prompted several 'robotic' telephone calls urging OH to contact them, needless to say, he hasn't returned their calls. Yesterday there were four that we are aware of, is it too soon to send out harrassment letter?

Wow, that's a very concise letter; shame they probably won't read it! I'm just a little ahead of you - account in dispute letter sent and withheld payment last month so now the fun begins.

Hi, Have a look at this thread, sure you'll find it very helpful. http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html

The short answer is yes if they realise you have another account within the group.

Hi JonChris, I'm sure he most certainly will - didn't take too kindly when I relayed their comments about his ability to understand their letters and had a good old laugh over their offer of a loan to pay the Vat man!! Just hope we're not in for too bumpy a ride. Thanks for your interest.

Just back from solicitor. Short and sweet, bank doesn't have a leg to stand on , but it probably won't be easy to get them to admit fault. Meanwhile, they've still got the Vat man's money!!!!

Just had a thought re. this comment - "Says that because I enquired as to why the mortgage account had not been repaid at the point of sale, that that was authority enough for them to close the account and make the transfer!" Do you think that if I telephoned them to ask why there wasn't a milllion pounds in my current account that they'd transfer it in from elsewhere? Probably say it doesn't work that way round! Sorry,just being facetious.

Thanks Car for moving the thread and JonChris, thanks for your comments. They allege that our solicitor's request for written confirmation that they would accept the net sale price in order to satisfy their charge,did not specifically ask them to confirm a 'full & final' ?! Their response to that letter was ,quote: " I confirm that on receipt of the net proceeds of a sale at £****k, I will release the charge." As their charge encompassed the mortgage and the debts of the Ltd Co, how would you have understood this response, bearing in mind, there had been verbal discussion beforehand. Will update after solicitor's meeting tomorrow.

So.........................., had meeting with account manager at branch this morning who very kindly offered us a loan to pay the VAT bill !!!!!!:shock: Says that because I enquired as to why the mortgage account had not been repaid at the point of sale, that that was authority enough for them to close the account and make the transfer! Has basically closed ranks with the man at securities dept however, he did concede that if he were not a bank employee he would have read the information as we had ! Have meeting with solicitor tomorrow, lets see what he has to say but meanwhile, would very much welcome any further advice/comments from the experts on here.

Anybody able to help me on this one please?

Just to update: Man at securities dept denies making any arrangement and insists we (including our solicitor) have mis-understood what he said and what he has written and we did still owe them some money which is why the transfer took place. :eek::eek: Man at branch says I gave his colleague verbal authority to transfer the monies - did I heck!!!! :-o:-o:-o Looks like we have a fight on our hands as well as a looming VAT bill. Opinions would be gratefully received. Perhaps this needs to be moved to the Lloyds or Legal forums?

Hi all, We opened a business account with Lloyds in 2005. Although it has business account in the title, it was not set up as such,i.e.it was agreed with our then a/c manager that as there would be just one or two transactions on the account each month,no charges would be levied. A year or so ago, we get a new a/c manager and charges began to be applied to the account. I attempted to find out why but after several calls via the call centre and even messages left on a mobile number (eventually given to me by someone at the call centre) I gave up trying to find out why charges were suddenly being levied. My question is this. Should we have been given prior notification that the status of the account was going to change and if so, could I now demand a refund of all account charges? There are no default charges, just monthly account maintenance fees and transaction charges. Thanks.

:mad::mad::mad: I cannot describe how angry I am - I will try to keep it brief. We have recently had to sell a commercial property we owned in order to satisfy a personal guarantee we had given Lloyds for our Ltd. Co. debt. The sale price agreed did not fully cover the total amount outstanding (i.e. mortgage plus amount owed by Ltd Co. ) but we reached (or so we thought ) an agreement with their securities department that they would accept the net sale price ( net = after deducting estate agent and legal fees). The sale was completed at the end of August but have just received statement of the mortgage account and discovered that funds were not transferred until some two weeks after they were in receipt of the funds and of course they have applied interest up until that date. Best of all though, they did not transfer enough of the sale proceeds to satisfy the mortgage debt and have simply helped themselves to the difference from another account we have which just contained the VAT element of the sale proceeds, placed there by our solicitor.!!!!!!!! It appears that what the b...'s have done is to repay all the Ltd Co's debt first leaving a shortfall on the mortgage and in doing so have completely dis-regarded the agreement made between us. Yes, we have this in writing and have informed our solicitor of the situation. We know they were legally obliged to repay the mortgage first before any other charges secured on the property but they have chosen to ignore this.:mad: Spoke to account manager at branch, he denies all knowledge of arrangement with securities dept - don't they communicate????? So letter being d'xd by our solicitor as I write requesting prompt return of funds etc. etc. They flippin well better do it as I have a VAT return due at the end of the month. Sorry, can you tell I'm angry?!

Thanks Vint, will update as and when.