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Lloyds Credit Card- now Moorcroft taking over?


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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.

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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.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

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 ?

 

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Edited by dx100uk
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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

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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.

   

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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

 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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