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    • Well send off the letter of claim when you're ready. There's really no need to hang around. In terms of the particulars of claim – you don't need to send anything extra. Do not click any boxes.   I wasn't aware that you actually had to calculate the daily rate of interest. I'm giving a shout to my site team colleague @Andyorch
    • By the way, is there a telephone number for the mystery handset? Have you tried calling it?
    • Who made the complaint to the ICO? Did we recommend it? An uncharitable side of me wonders whether they aren't considering erasing all data in order to get rid of evidence of their bungling. Have you checked your credit file? I think you need to make sure the get copies of everything you can from anywhere just in case various records get cleaned up. I think should set about that straightaway although it's a nuisance. Keep a note of the time you spend doing it. Are you sure that the problems with Vodafone and also with Three were caused by your blighted credit file – blighted by virgin? Can we take it that your credit file before this was clear? I think it could be an idea to send an SAR to Vodafone and also to Three to see if they have any reference to the problem setting up your account with them and that those problems might have been caused by virgin. Your credit file also might show searches by Vodafone and also by Three. If there's anything else you can think of – then try to get the information.  
    • No they are not entitled to see payslips. Only if this ever went to Court and it was part of the Court process would this be required. So the information you provide needs to be accurate, in the remote possibility that your information is passed to a DCA who uses it in Court in the future.   Just enter all information onto your income/expenses sheet in Pounds Sterling.        
    • Hi, I am drafting the pro-rata letters and putting a income expenditure sheet together. One question, as I am overseas the expenditure currency is different to the debts. Are they entitled to see pay slips (also in anther currency which isnt indicated on the slips)?
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

1st Credit/LCS RE LLoyds loan scotland

Please note that this topic has not had any new posts for the last 1331 days.

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I've had a look at the figures and they are correct: 5576.96 payable as 60 payments of 134.91 is indeed 16.9% APR


However, the agreement is not properly executed as it doesn't give the Total Cost of Credit. Therefor it would have to be enforced by court order under s65. I have no doubt that a court would enforce it though.



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I have a loan through Lloyds TSB that I took out around 2004 and it has PPI included. The account at the moment is on a payment plan through Lloyds and I was getting help in this thread below after hitting problems with first credit.




It has been suggested on that thread that I may be able to reclaim the ppi but I don’t have a clue if I can or how I go about it. I pay the loan at a reduced rate just now and they did produce my CCA so I don’t know if that goes against my claim. I have attached a copy of the cca and would appreciate any help.







Thank you

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Hiya Scorpion,


Can you use http://www.photobucket.com and scan the agreement there post the link onto this thread then i can expand the doc bigger and have a read.


Soon as i have done that i can then offer advice.





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  • 2 years later...

I currently have a loan on a payment plan as I had to give up work due to ill health.



A CCA request was made and I eventually received it and it shows PPI was on it.



A claim was made on the 1st of June last year through their own team dealing with these claims and at first they said no PPI was on the account



when I said I had the paperwork showing it they said they would look again.



I’ve never been contacted by then but I have phoned them several times but all I get told they will pass a note to the team.


Anyone any suggestions as what to try next?



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If this was done on the phone then I would now do it in writing with a completed fos questionnaire (available from the fos website) and a spreadsheet of claim.


Have a read of No.1 in my signature.


LLoyds are good at giving the run around



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  • 4 years later...

Hi all, it's been a while and I have an update.


It turned out that cca they had sent me was for another account that I hadn't asked for and not this one.


At the time I hadn't noticed the account number being different and as I wasn't expecting another


I thought it was the correct one and eight years on I'm still waiting for it.


I did tell them at the time it was the wrong one but I've never received the correct one.


The reason I'm back is for some more advice.


I kept my reduced payment up until about two and a half years ago and then stopped it due to being ill and getting next to no money.


Last week I received a letter from Lowell saying they now own the account and want payment.


Does my dispute still carry onto them or do I need to start again by sending another cca request?


Thanks all

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I would send a CCA request

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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  • 2 months later...

I would send them another CCA request and make it clear that you will not be paying any money to them without it, and send it 1st class recorded delivery, and await there response. It could be that you are due a refund if it is not your debt.

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as it has been passed on you send a new CCA request to Lowells.

They wont have it and you can continue to not pay them.


No need for RD,

just use the proof of posting that you get for free at teh PO.



In law a letter is deemed delivered 2 days after it is sent 1st class so they cant deny getting it anyway

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  • 2 months later...

I have a bank loan that's been in dispute for about six years due to Lloyds not complying with a cca request.


It has now been sold and the new company are asking for a payment plan to be put in place despite being told the account was already in dispute. Can they do this?

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is this the one that was bounced to 1st credit and you reclaimed PPI?






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...

For some reason I can't get back onto the other thread. I thought it was deleted but yes it's the same account. I've read on other threads that it can't be sold as it's a breach of the cca so just thought I'd check

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4 threads merged on same debt.



get a new CCA request running.

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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