No signed Copy of Agreement from Lloyds

[mammalisa]

It appears that Lloyds have a new standard letter. I have received exactly the same information from Lloyds Bank, when I requested a copy of my signed agreement under CCA 1974 as this thread:

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/181827-lloyds-tsb-cca-received.html

 

I won't bother scanning the documents as they are identical

 

The bit that really got me was the sentence - ' we will not be entering in any further correspondence.....' Is that guaranteed to get peoples backs up or what.

 

 

I have today sent out this letter in response and we will see where we go from there.

 

Quote

 

Card Operations

Customer Service Recovery

Lloyds TSB Bank PLC

Queens Road Quadrant

1-5 Queens Road Quadrant

Brighton

BN1 3XJ

 

 

6th February 2009

 

 

Dear Sirs

 

Account number

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as I have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed.

 

Obviously if the agreement is improperly executed I would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore an unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances.

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which I have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both side

 

I look forward to your reply and would ask for a response by 4pm on 27th February 2009

 

Regards

 

 

 

Unquote

 

 

I have also sent this letter with regards to my husbands account with lloyds as I am sure we will be getting the same response about that. Just for information both of these credit card accounts were opened in about 1998. Wonder if they have the signed agreements or not!!

 

Cabot have sent a letter stating that they have put the account on hold as Goldfish have not supplied the required agreement. This was taken out in my maiden name so must be about 1995.

 

MBNA have sent a standard blank copy, but this was a recent Credit Card (after 2005) so I don't think I will be getting anywhere pursuing that one.

 

Cahoot are currently dealing with my request.

 

 

 

Any suggestions would be gratefully received.

[mammalisa]

My husband and I have both received identical ltrs from Lloyds, in response to our initial requests for CCA's.

 

I have already sent them a letter in February, because they did not respond to our initial request. These letters obviously crossed in the post.

 

Here is the latest instalment from Lloyds:

 

Thank you for your letter dated 19th Jan.

 

I am sorry for the delay in responding to your request for documentation under section 78 of the Consumer Credit Act 1974. Unfortunately, we have recently received a high volume of such requests, but I can assure you that we will respond shortly to your request.

 

I hope this fully answers the points raised with us. Please let me know if there is anything else I can do to help.

 

If we cannot come to an agreement, I will provide you with details of the Financial Ombudsman Service so they can consider your complaint independently.

 

As long as you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by 4th may 2009, I will close my file, although I will re-open it if you come back at any point afterwards.

 

 

 

As they have not responded to my ltr dtd 6th February and their time limit was up on 27th ~February could I send them a letter officially putting the account into dispute and tell them to stop contact me until they come up with the goods?

 

Lisa