Jump to content

  • Tweets

  • Posts

    • Hi All,  I would appreciate a bit of advice re a speeding offence.    I lease a vehicle and the leasing company received a Notice of Intended Prosecution (NIP) dated  7/1/21  relating to an alleged offence speeding offence (fixed camera) on 12/12/20.   As soon as I heard from the police, I wrote back and informed them that the notice was well over the 14 days set out by the Road Traffic Act. and sent them a copy of the notice issued to the leasing company dated 7/1/21.   The police persisted in simply replying and advising me that the it was issued within 14 days! After four letters from me, asking them to explain how this could possibly be within 14 days, they eventually put a bit more meat on the bone and said that an NIP was sent out on the 15/12/20, which would, of course, be within the statutory time.    I then contacted the leasing company again,  and they have confirmed that the only NIP that they received was on 7/1/21, otherwise, they would have contacted me earlier!     The NIP dated 7/1/21 presents as an original notice, not a reminder; not sure if that is relevant.    Any suggestions as to how to deal with this one?     Many thanks.      
    • was your car on the public highway.? and how far were you into the LBL when they took it.?   outline when you took the loan out? for how much and how many months for?   dx  
    • Yes, if you don't want their money then this is the time to write to them rejecting the offer and threatening to start County Court proceedings and 14 days. Don't imagine that your letter of claim will have any effect. It simply a formality and you will have to issue the court papers. If you want to send a letter of claim then post up a draft so we can have a look. Keep it short and to the point. Make sure that you understand the next step – which is issuing the claim
    • i've done it now.  
    • Sorry,  it won’t let me edit it.
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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 1327 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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.



Using CAG Toolbar will generate much needed income - Download Here


Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008


Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.


Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.


Link to post
Share on other sites
  • Replies 92
  • Created
  • Last Reply

Top Posters In This Topic

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

Link to post
Share on other sites

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.





If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.


Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.











R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.


Link to post
Share on other sites
  • 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?



Link to post
Share on other sites



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



If I have helped you please leave me a message by clicking my star


1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here


How To Upload Documents To Cag







Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.


If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon


If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary





Link to post
Share on other sites
  • 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

Link to post
Share on other sites

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... 

Link to post
Share on other sites
  • 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.

Link to post
Share on other sites

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

Link to post
Share on other sites
  • 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?

Link to post
Share on other sites

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... 

Link to post
Share on other sites
  • 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

Link to post
Share on other sites

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... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...