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Lloyds have sent me a CCA out of the blue. - dead


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Lloyds have sent me a CCA after years of asking for it, what on earth do I do now? I have never seen one of these things and not sure where I stand?

I can only assume now they have a document to reinforce their debt collecting.

 

Is this the time when I have to start grovelling for a repyment plan? I have no intentions or ability to give them the money I owe in full.

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Hi unfortunately LTSB appear to have copies (microfiche?) of most agreements :(. I've been threatened with court if I don't start paying :eek: so I'm checking all options. I spoke to someone today who said they would never recommend anyone pays a company to try and clear a LTSB alleged debt because they won't succeed.

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Lloyds have sent me a CCA after years of asking for it, what on earth do I do now? I have never seen one of these things and not sure where I stand?

 

Post it on here, use photobucket and remove all Identifying names, addresses, reference numbers, bar codes etc, then one of the experts will be able to have a look and tell you if it is enforceable or not.

When exactly did you ask for it? Not that it makes any difference now since they changed the rules:confused:

 

Is it for an agreement prior to 2007 or after?

If it is previous 2007 then a microfiche of the agreement IMO would not be legally enforceable, but as I say, post it up on here let the experts take a look.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I asked my friend who has it and asked her to scan it in for me so I can post it up here. However she realised that the CCA is actually for the credit card that I am paying off and the only account that I am sorted with. What on earth are they playing at? I expect they will soon be on my case saying they have sent me what I asked for! Wrong account Lloyds!

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You could send a SAR & then they would have to send you everything on all the A/Cs you have with them + it would give you a chance to work out any unfair charges they've applied which you could reclaim. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

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