Link and old Lloyds Credit Card

[odds]

When Lloyds eventually decided to reply to my CCA request well out of the time limit and after a complaint, the letter they sent said "please find enclosed a copy of your Credit Agreement"

Unfortunately there was nothing in the envelope apart from the letter.

[dx100uk]

just send Link a CCA request or do nothing and await/if a letter of claim comes.

as long as you've not moved since the times of comms with moorcroft/Lloyds and you didn't inform them in writing.

[odds]

Thanks dx, will get that sorted ASAP.

 

[odds]

Well that's the CCA Request on it's way, unfortunately it's going to be well into the new year before they get back to me.

[dx100uk]

you dont want them too...think about it..... 

[odds]

Well that's day 15 gone with no response whatsoever, not even the return of the £1 Postal Order as requested if they couldn't provide the information requested.

 

Couple of questions if anyone could be so kind to clear up.

 

What is the actual point of the 12 +2 working days deadline to produce a Credit Agreement, when they could just take 4 weeks, 3 months, 6 months ?

 

Link seem to think I had a Payment Plan in place, I have never had a payment plan in place since Lloyds failed on the CCA request many years ago, I was making payments of a goodwill gesture which I made clear to Lloyds I reserved the right to cancel at my discretion. Which I did

 

Where has my Postal Order gone ?  How can I check if it has been used ?

 

Thanks

Edited January 15, 2022 by dx100uk
spacing

[dx100uk]

they can take as long as they like.

but once the 12+2 working days are exceeded if you are paying then.....

 

should they ever comply or send a letter of claim, then scan things up and pop them up here.

 

dx

 

[odds]

I realise that deadlines and schedules mean nothing to these DCAs, but I did request that the Postal Order should be returned if they couldn't fulfill my request within the the time limits.

So where has my money gone ?

I've paid them for a lawful request they haven't provided.

   

[dx100uk]

regardless to supply or not of anything, the £1 is the statutory fee under the Consumer Credit Act that must be paid.

forget it.

 

dx

 

[dx100uk]

Open.

 

Dx

[odds]

Thank you dx

 

I have still had no reply to the CCA Request, not even an acknowledgement. 

 

I've had four letters up to now, the usual please get in touch we can help you type of letter.

 

So on to the main question.

I have received a Statement of Account and they have paid the £1 CCA fee off the outstanding balance.

 

In the letter that the PO was stapled to I specified the fee enclosed was strictly for the purpose of the CCA request and should not be used for any other purpose, I also requested that the fee be returned should they not be able to comply.

 

Now, with Statute Barred status looming they have paid the £1 off the outstanding balance, I presume to keep the account 'live'.

 

what is the situation when this happens,

do I need to take action (I think I know the answer), or

 

do I wait and see what their next move is ?

 

Thanks

 

[Old Cogger]

keep copy of statement showing misuse of the £1.00, also Moorcrift are only hopefull commission collectors on behalf lloyds, no pwers  looyds hope they freighten you into paying , NO CCA no court can take action?

[odds]

Old Cogger.

This is with Link now, they bought the debt from Lloyds last year.  Moorcroft gave up a long time ago. 

 

Thanks

[Old Cogger]

sorry tghe Email now I read was mentioned Moorcroft,   so responded,. lto that item leave it with you for niow

[dx100uk]

STD practice, until or unless Link via Kearns send a letter of claim, yours is not the next move 

 

Dx

[odds]

Thanks for amending the title dx,

What about the Statute Barred status once the deadline passes.  Would that payment have any bearing on that  ?

Would they even chance their luck ?

 

Thanks

[dx100uk]

STD practice, they have to cash the po somehow 

That showing as a 'payment' is immaterial 

 

Dx