Lloyds tsb cca request - my journey

[angel_1]

hey guys listen here both you,,,my sides are aching from laughing too muchhhhhhhhhhhh lol

 

lexis and citizenb

 

 

but thank you,,,i feel sometimes its like here we go again another useless bit of paper arghhhhhhhh,,,but then i come here and i chiiiiiiiiiiiiiilllllll

 

so thank you both,,,i will file away and await on sars,,,,,,,:D:D

 

that then i can get my teeth gnashing ,,,,,

 

laters and thanks again angel x

[Roppa]

Hi Angel

 

have you heard anything more from our friends at lloyds? I've received a default notice which comes into effect on 30 March but certainly no CCA and the bombardment of calls from their collections dept are ongoing.

 

did you receive a default notice on your account, i'm just wondering where are cases are in comparrison as you were a month ahead of me with your CCA request.

 

Thanks for the info on merging my past threads btw i've done that now, although i can't work out how to paste my link in here . Sadly not the brightest PC wise.

 

Roppa

[citizenB]

Hi Angel

 

have you heard anything more from our friends at lloyds? I've received a default notice which comes into effect on 30 March but certainly no CCA and the bombardment of calls from their collections dept are ongoing.

 

did you receive a default notice on your account, i'm just wondering where are cases are in comparrison as you were a month ahead of me with your CCA request.

 

Thanks for the info on merging my past threads btw i've done that now, although i can't work out how to paste my link in here . Sadly not the brightest PC wise.

 

Roppa

 

Here you go Roppa

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/170398-cca-lloyds-tsb-advice.html

 

HTH

[Enron]

Hi Angel

 

have you heard anything more from our friends at lloyds? I've received a default notice which comes into effect on 30 March but certainly no CCA and the bombardment of calls from their collections dept are ongoing.

 

did you receive a default notice on your account, i'm just wondering where are cases are in comparrison as you were a month ahead of me with your CCA request.

 

Thanks for the info on merging my past threads btw i've done that now, although i can't work out how to paste my link in here . Sadly not the brightest PC wise.

 

Roppa

 

Certainly interesting that they are continuing to enforce the agreement against you whilst they are legally barred from doing so - essentially they shouldnt be doing this until they provide you with a copy of the CCA, a document which I hasten to add you are legally entitled to.

 

I would suggest you contact your local Trading Standards regarding the phonecalls, and Lloyds sending of a default notice.

 

The calls represent harassment. Besides they should not be phoning you until the request for the CCA is complete.

 

On the subject of the default notice they should not be recording this as the OFT have confirmed to me that a creditor is legally barred from enforcing an agreement in anyway at all until they complete the request.

 

So I would also suggest lodging a complaint to the OFT.

 

Finally it maybe worth contacting your MP, getting him to highlight to the head of the OFT what is occurring here. If creditors are operating outside of the law it needs to be redressed through the regulator.

[Rathercross Charlie]

Been watching this thread with interest, I hope that my experience so far may prove of use/interest.

 

CCA'd Lloyds in Dec, in Jan (post 12+2) they wrote to say they couldn't locate my agreement (a Mastercard 8yrs + old), but do please keep paying us!

 

Their "complaints procedure" (that's a laugh!) wrote 4 weeks later saying they were still looking.

 

By this point I had written to point out their default and that no more £ would be coming from me until it was rectified.

 

4 weeks further on received another letter claiming that although they do not have it, would I still keep paying (you might be seeing a pattern emerging here!).

 

I reminded them of their duties under the CCA and initiated a complaint to FOS. FOS have acknowledged it and say it will be passed to an investigator shortly, but due to high volume etc (ha, ha) may take some time.

 

I've not had any threat of default nor any calls, it's now nearly 3 months since last payment was made.

 

I send all letters to them by fax & post and it's nearly 6 now, without a single substantive reply to any....

[underdog13]

Strange that Lloyds admit they don't have your agreement, RCC. They couldn't produce mine, but sent some ridiculous letter claiming that it did exist and someone at Lloyds would have signed it on my behalf - eh? Sounds like ID theft to me;)

 

Their argument went along the lines that there would have been an agreement at the time or I wouldn't have been issued with a credit card, (yes, but if I have a winning lottery ticket and lose it, I'm stuffed and so would Lloyds be if they have lost the agreement) and that the agreement would have been properly executed 'cos they never make mistakes:D Hmm and the present economic crisis proves how perfect our banks are:rolleyes:

[angel_1]

hiya all

 

many thanks for all your posts will come on later to address all your thoughts and update you where im at , just off to buy a car part with hubby cos my car is poorly

 

see ya laters angel x

 

keep positive and need help later too on my mbna threads,yikessssss:cool:

[angel_1]

hiya all

 

Roppa,,, i have posted a reply on your own thread but for others to view have not had the default yet,,,,,,, but a letter more or less telling me to go to fos

 

citizenB - thanks for putting Roppa's thread for them to view easily;)

 

Enron,,,thanks for following and helping with your wise words, I too think now is the time for further compliants to OFT and TS and why not FOS too

Me not sure if they have my tel no... dont think so,,,,but aint worried about phone calls thanks to truecall

 

Underdog, yes i agree strange how they have admitted to not having Enrons cca, mind you im hoping they do the same for me, cos mine is way older than that 8 yrs,,,,yippppppppppeee fingers crossed

 

mind you have had a ridiculous form to fill for my sars request, which ive had a reply from lexis to forward an appropiate letter and will add just what i want to it,,,,,, and then see if they get me info and what info i get back from sars

 

however, i feel now for complaints to the sectors you have all said

 

i dont think at the moment it is necessary to request via cpr,,,i think if i get took to court then i will request it at that point,, would this be a good way of doing this??

 

thanks all off out for a bit will be back laters keep positive angel x:wink:

[citizenB]

hiya all

 

have not had the default yet,,,,,,, but a letter more or less telling me to go to fos

 

Yes, they do this knowing that the FOS do not have a remit to ajudicate on the enforceability or not of an agreement. Most likely you will receive a letter basically saying that LTSB have sent you all they need to. Which LTSB will take to mean that the FOS agree with them. TS or OFT are the people to send your complaint to.

 

 

Enron,,,thanks for following and helping with your wise words, I too think now is the time for further compliants to OFT and TS and why not FOS too

 

See comments above.

 

Me not sure if they have my tel no... dont think so,,,,but aint worried about phone calls thanks to truecall

 

Excellent

 

 

 

mind you have had a ridiculous form to fill for my sars request, which ive had a reply from lexis to forward an appropiate letter and will add just what i want to it,,,,,, and then see if they get me info and what info i get back from sars

 

Yes, stupid form. The letter that Lexis drafted should see them off. Methinks they send that out as a stalling tactic !

 

however, i feel now for complaints to the sectors you have all said

 

i dont think at the moment it is necessary to request via cpr,,,i think if i get took to court then i will request it at that point,, would this be a good way of doing this??

 

At least you will have a paper trail, proving that you had tried be all other ways first.

 

thanks all off out for a bit will be back laters keep positive angel x:wink:

 

[angel_1]

hiya citizenB

 

many thanks again for this reply too

 

totally agree this is now what i too think, stalling and passing the buck off,,, will do lexis letter in my own words but putting it across the same message,lol

 

anyway will be back later and catch up then,

 

im still planning to visit my local councillor cos i really want them to know what is happening

 

take care laters angel x

[Rathercross Charlie]

An update for you.

 

Out of the blue today arrived a copy of the original agreement.

 

Like others it's an "application for credit" that's been signed (by me, not them), with T&Cs on an attached page, it doesn't contain the specified terms within the page of signature.

 

It was accompanied by a 2 page letter from Lloyds giving chapter & verse as to why CCA requests/challenges are a waste of time and how I should take their word that the agreement is correctly executed :-|!

 

They've even very kindly offered me a chat with a financial health specialist (should have had a few more of those looking at HBOS's books a few months back) in case I'm suffering financial difficulty!

 

I've had an email from my local trading standards today who've helpfully offered to look at this agreement (and a couple of others), so will take them up on their offer and report back.

 

Charlie

[angel_1]

hiya Charlie

 

many thanks for your last post,,,actually came on to update the thread with exactly the same as what you have said,,,,how eerie is that,,,they found both our agreement s ,,,well mine states,,,,,,

Privelege Application with a sticker of half of the word Application

 

supposed to appear that the trustcard conditions of use on the rear which are unreadable

 

both are microfiche copied...

 

also a long lengthy letter describing if we are using the services of a claims management company they remind us of the recent warnings from the ministry of justice more details on

 

www.justice.gov.uk/news/newsrelease170209a.htm

 

oh yes can see a financial expert at branch

 

also couldnt even be bothered to sign the letter,,,,,

 

also,,,,,,,

 

talks about the section 78 refers to the requirement to provide a copy of the executed agreement....blalallll....then ending with. The copy of the executed agreement however, is the copy required to be sent by virtue of section 63 of the CCA.

 

then has enclosed the copy of the upto date current terms...

 

 

so there you have it guys,,,what you all reckon

 

will be happy to scan tomorrow all the pages if you think it will help us all

 

laters angel x

 

what you reckon guys??

[underdog13]

Was your original card a visa or a mastercard? Did they swap from one to the other? Lloyds are rather fond of doing that....

[lexis200]

How old are the accounts you've both just got the applications for?

 

Could we see the applications pretty please:)?

 

Lexis:)

[angel_1]

hiya all just seen ur posts

 

will scan up letters later need to pop out for a bit now but mine as old as late 80's and naughty naughty spotted on the rear of the application a term in the unreadable junk -----Safeguarding your Card and Pin --------

 

now i knew lloyds were good but could the possibly be aware of CHIP AND PIN way back before it was ever invented????

 

anyone know who i can get clarification on whom or which legal team i can refer to with regard to chip and pin technology and when it was rolled out....

 

noted this on my debenhams acc terms sent to me toooooo

 

i await your comments

 

laters angel x

[davey77]

Pin numbers have been around for a long time. If it said "chip and pin" then that's different:

 

"Chip and PIN was trialled in Northampton from May 2003, and as a result was rolled out nationwide in the UK in 2004."

 

I have to add i got that info from here (so will need double checking):

 

http://en.wikipedia.org/wiki/Chip_and_PIN

Edited March 27, 2009 by davey77
adding link

[angel_1]

haaaaaaaaaaaaaa davey you are right,,,got myself all confused with my

debenhams thread now,,,,all i saw was pin on the lloyds info,,, but pin were around in the late 80's???? unsure

 

didnt we have to sign for transactions with our signature from the back of the card??????????

 

yes your info was helpful now for my debenhams thread which i will relook at later,,,,as ive let that one slide for a bit need to address it

 

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/160682-debenhams-sold-c-l.html

 

laters angel thanks for inputting that bit of info

 

x:cool:

[lexis200]

haaaaaaaaaaaaaa davey you are right,,,got myself all confused with my

debenhams thread now,,,,all i saw was pin on the lloyds info,,, but pin were around in the late 80's???? unsure

 

didnt we have to sign for transactions with our signature from the back of the card??????????

 

yes your info was helpful now for my debenhams thread which i will relook at later,,,,as ive let that one slide for a bit need to address it

 

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/160682-debenhams-sold-c-l.html

 

laters angel thanks for inputting that bit of info

 

x:cool:

 

Didn't also always get a pin number as well though so that you could make cash withdrawals at a cashpoint? Admittedly my cards are at the earliest from around 9/10 years ago, but they all had them as standard. Sorry angel:(

[johnsax]

 

 

Me not sure if they have my tel no... dont think so,,,,but aint worried about phone calls thanks to truecall

 

thanks all off out for a bit will be back laters keep positive angel x:wink:

 

Hi angel could you advise me i have a truecall device i have sent my cca request and a non compliance letter i am getting 2 phone calls a day and texts and mobile calls do you think i should bar them on the truecall device?

[angel_1]

Hi angel could you advise me i have a truecall device i have sent my cca request and a non compliance letter i am getting 2 phone calls a day and texts and mobile calls do you think i should bar them on the truecall device?

 

hiya johnsax

 

do you have also caller id from your telephone company? that way you are seeing who is calling you? you have zapped the numbers havent you?

 

i have them sometimes on ringing tone only or giving them the bar message and they are silly trying to bypass the shield,,,,

 

anyway im finding it fab,,,, the helpline have been great to me and any problems they will help ,

 

if i can be of further assistance pls let me know

 

laters angel x

[angel_1]

Was your original card a visa or a mastercard? Did they swap from one to the other? Lloyds are rather fond of doing that....

 

 

hiya underdog,,,,

 

it was originally a trustcard,,,, going to find my paperwork and statements thought it changed to a mastercard,,,with a different number,,,,but will let you know later

 

hiya lexis,,,,i will try and scan all info in a bit now

talking near 20 yrs now

 

laters dudes, angel x

[johnsax]

Thanks angel i have not zapped them yet thought it rude LOL suppose i should now just found out they have entred info to me on Creditexpert as a late payer should i send a letter telling them about the card being in default so they should not be entering this info?

all the best

Johnsax:rolleyes:

[angel_1]

hiya john

if they have still to respond after the 12+2 days, i would then send a dispute letter to them, recorded delivery at the very least

 

ive not paid them for a few months, as they took their time and what they have now sent me, is i believe just an application form and whatever terms were cant be read anyway,,,,,,,

 

also i think they have done something in sending me another customers info just found it as i was scanning my documents,,,,

 

 

oops complaint to ico me thinks,,,,,,

 

laters angel x

[angel_1]

hiya all

 

have scanned all info apart from the current terms and conditions and well ive ended up with info regarding another customer - oops complaint to ico??? as could they have mine?????

 

 

 

http://i407.photobucket.com/albums/pp159/aquarian1964/lloydspage1.jpg

 

http://i407.photobucket.com/albums/pp159/aquarian1964/lloydspage2.jpg

 

http://i407.photobucket.com/albums/pp159/aquarian1964/lloydsapplication.jpg

 

http://i407.photobucket.com/albums/pp159/aquarian1964/lloydsrearofapplicationmaybe.jpg

 

http://i407.photobucket.com/albums/pp159/aquarian1964/lloydsreCNCDandamendedagreement.jpg

Edited March 28, 2009 by angel_1

[Roppa]

Hi Angel

 

It seems Lloyds must have been dealing with our requests along a similar timeline i too have received my CCA. It looks fairly much the same as yours re the covering letters it was sent with.

 

I've posted mine up also for people to have a look at, although slightly worrying you don't seem to have received a reply to your last post asking for advice.

 

Are you starting to pay Lloyds now?, if my initial thoughts re my CCA are correct ( I think its valid) i'm really in stuck as i can't afford to pay what they are asking. They also don't realise that charges and interest since they took so long to send my CCA means by overall balance has increased by nearly £2k. I thought they weren't supposed to add these while the account was in dispute, i.e. they hadn't provided the CCA.

 

Has anyone any suggestions in terms of making payment offers etc if indeed it is enforceable. I just don't have that kind of money.

 

Thanks

Roppa