Lloyds TSB was Accucard

[zazen.warrior]

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[diskmandave]

This usually does the trick....

Dear Sir/Madam,

 

Your Ref : xxxxx

 

Your Client : XXXX

 

I refer to your letter of xx/xx/2008, which was received today.

 

Frankly, I am surprised of the need to remind a firm of solicitors about the terms and conditions surrounding my Consumer Credit Agreement request (Consumer Credit Act, 1974); received by XX DCA XX on xx/xx. I can only assume therefore that they failed to inform you.

 

Should your client now persist with threats of legal action as stated in your letter, I will welcome the opportunity for a judge to look at several offences committed by XXX DCA XX under The Consumer Credit Act, 1974, as well as your client’s non-compliance with and total disregard for the law on this occasion.

 

Yours faithfully,

Obviously, edit to suit and send by 1st class signed for, or guaranteed delivery if cost not an issue (£4.30 as opposed to £1.04).

 

Best wishes, Dave.

 

If my post was helpful don't forget to click the scales!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily wagon driver and all I know has been learned within the

Debt Action Group.

 

FAQ's

http://www.consumeractiongroup.c o....se-read-these/

 

The Debt Action Group

Debt Collection & Debt Collection Agencies

http://www.consumeractiongroup.c o....bt-collection/

General Debt Questions & Help

http://www.consumeractiongroup.c o..../general-debt/

Trying to stop smoking?

http://www.consumeractiongroup.c o....-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.c o....i-dummies.html

--

[zazen.warrior]

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[zazen.warrior]

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[diskmandave]

LTSB will try and run you around in circles if you let them. The next step is to write to them using their formal complaints procedure...

Lloyds TSB - Complaints procedure

 

Here's my own LTSB to have a read through...

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68852-ltsb-no-agreement-game.html

 

Regards, Dave.

[zazen.warrior]

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[zazen.warrior]

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[zazen.warrior]

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[zazen.warrior]

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[zazen.warrior]

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[zazen.warrior]

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[citizenB]

I have just received a letter as your post #9. Having received nothing from Lloyds TSB since first requesting CCA in January and having seen off **** and MHA, I was actually surprised. Still we will see what happens next

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/132497-sechiari-clark-mitchell-no.html

[Patma]

Hi, I'm contemplating CCAing Lloyds /TSB for an account that started off life as an accucard, so I'd be very interested to hear if you have any news about your case. I notice it's been a while since you updated this thread, so hoping that means no news is good news. Patma

[zazen.warrior]

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[zazen.warrior]

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[zazen.warrior]

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[zazen.warrior]

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[42man]

Done Zazen...

[zazen.warrior]

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[42man]

How about this one ?

 

Dear Sirs,

 

I write in response to your letter dated XXXXX

 

Your letter is incorrect and frivolous, you are fully aware of legally valid reasons why no payment has been made on this account, namely that the agreement which underpins this account has not been supplied despite a perfectly valid request and furthermore, it is suggested that notwithstanding the failure to supply a copy, the agreement itself is improperly executed, devoid of all prescribed terms and deficient in respect of detail relating to APR, total charge for credit and statements of rights ,remedies and protections as required by schedules 1,2 and 6 Consumer Credit Agreements Regulations 1983

 

Therefore the agreement as outlined in section 65 (1) Consumer Credit Act must be laid before the court to be granted an enforcement order before any further action can be taken

 

It is my view that the court would not grant such an order due to the deficiencies that I have outlined within the agreement, and the absence of any documents disproving my points itself speaks volumes

 

Therefore, I would indeed welcome the opportunity to place this before the court. furthermore should you proceed with the threats to issue a statutory demand/court claim I will make an immediate application to have it set aside for the grounds outlined above, also I shall refer the judge to this letter when the matter of costs falls due

 

I trust this outlines my position clearly enough for you

[Patma]

Thanks for the update, Zazen. It definitely looks like you've got that sorted.

I do like your letter, 42Man. I'll make a note of that for future reference.

[underdog13]

any further updates on this one? Just begining my battle with Lloyds, MHA, SCM sols...