lloyds credit card (sorry this is so long)

[phantom44]

hi can anyone advise me on this issue

 

Point 1

 

on 15th oct 2008 i sent a pound requesting my cca for my credit card

point2

 

on the 3rd dec2008 i received a letter from lloyds with what seems to be there latest agreement with the £12 charges showing yet my old statements they showed i paid £20 charges and also the agreement was unsigned,

 

my c/card was taking out in 1998

 

point 3

i sent replie to them that copy they sent me was not the copy i requested and also that unless i receive the true original i am putting the account in dispute as the letter off this site stated

 

point4

 

today sat 17-1-2009

on checking my current account this morning i noticed that they took all the balance being £242 out of my account and paid it off my credit card which was in the arrears,i was able to go to my branch approx 1130 this morning and speak to the assistant manager, whom pointed out that they can take it out of my current account as you signed an agreement and it is in the small print

i then pointed out that they have not given me my signed agreement which i asked for she replied i,m sorry you will have to take it up with the credit card dept

any advice please

regards phantom44

[maroondevo52]

Hi, phantom.

 

I know it's too late now, but you should have closed your current account before sending your CCA.

 

Having more than one account with the same Bank is a nightmare as they can, as they have with you, transfered monies from one account to another, I believe they call it 'offset', and yes it will be in the small print.

 

Whilst your CC account was in dispute, they should not have paid any money into it, I think they know they are going to toil to come up with an enforceable agreement.

 

I would get in touch with them and complain, HBOS did something similar to me when I forgot to cancel a standing order and overpaid by £100 pounds.

Instead of giving me it back, they paid it into a old credit card account which I had CCA'd and they had failed to come up with it.

 

I wrote to them explaining the situation and it took about four weeks, but they did return my £100.

 

Regards.

 

Scott.

[phantom44]

hi maroondevo52

thanks for the quick replie now could you give me some other info please

 

 

my current accout is actualy a joint one my wifes and her wages is paid into her own account

q1 can they take any money out of her own account

regards phantom4

ps my wife is going down to our bank on monday to pay the £400 overdraught off and closing the account

 

QUICK QUOTE

ROBIN HOOD ROBBED THE RICH TO HELP THE POOR

BANKS ROB THE POOR TO HELP THE RICH

Edited January 17, 2009 by phantom44

[Fred Bassett]

Hi, phantom.

 

I know it's too late now, but you should have closed your current account before sending your CCA.

 

Having more than one account with the same Bank is a nightmare as they can, as they have with you, transfered monies from one account to another, I believe they call it 'offset', and yes it will be in the small print.

 

Whilst your CC account was in dispute, they should not have paid any money into it, I think they know they are going to toil to come up with an enforceable agreement.

 

I would get in touch with them and complain, HBOS did something similar to me when I forgot to cancel a standing order and overpaid by £100 pounds.

Instead of giving me it back, they paid it into a old credit card account which I had CCA'd and they had failed to come up with it.

 

I wrote to them explaining the situation and it took about four weeks, but they did return my £100.

 

Regards.

 

Scott.

 

I've got 8p in my Lloyds current account but as yet they haven't used it to pay off my credit card.

 

Fred

Edited January 18, 2009 by Fred Bassett

[maroondevo52]

I've got 8p in my Lloyds current account but as yet they haven't used to pay off my credit card.

 

Fred

 

Take it out 'pronto' Fred, and close the account, get yourself away on a holiday

 

Regards.

 

Scott.

[Fred Bassett]

Take it out 'pronto' Fred, and close the account, get yourself away on a holiday

 

Regards.

 

Scott.

 

Good thinking. I switched banks when everything blew up in my fact but I had an overdraft with Lloyds which I've since paid off. I don't intend to use this account again but I thought I'd keep it open just so that they have to incur costs in running it.

 

Fred