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[Justforthem]

I have debts with Lloyds Tsb and Egg. These debt are credit cards, overdrafts and loans - that have all been defaulted and ended up on a debt management plan.

 

like with Egg they have combined credit cards with loans and given one final figure.

 

i know for a start i have paid thousands in bank charges and i would quite like to claim these back.

 

also i am interested if they even have enforeable cca .

 

if all seems a minefield and confusing

 

help when can i start with all this???

 

single mum who got lent 30k unsecured debt

[Rooster-UK]

Moving thread into the Debt Forum.

[diamondgirl]

Hi and welcome

 

You can cca them it costs £1.00 PO for each one

 

You can use the following letter

 

Dear Sir or Madam

 

Re: (Your A/C No.)

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

Please note all communication must be in writing only.

 

I look forward to hearing from you.

 

Yours faithfully

A N Other

Make sure you do not use your usual signature, or if you do put a couple of crosses through it or a line something so you would know if they tried to copy your signature.

 

 

Have to pop out now if it's not too late when I get back I'll come back tonight if not it will be sometime tomorrow.

[Justforthem]

Thanks - where can I get the addresses to send these letter (I dont even know the account numbers ) - Egg is still in house that should be okay - lloyds went to their collections in Brighton.

 

I have just been giving CCCS 100 a month to cover it all

[silverfox1961]

Hi,

This is really down to you deciding what you want to achieve.

 

If you want to get the charges back you will need to SAR the banks.

If you write to the DCA's involved and ask them for the original account numbers they might be helpful (but don't bank on it) OR write to the banks giving as much detail of yourself as possible and explain why you no longer have the account numbers. Agree to supply proof of ID should they require it.

 

SAR costs £10

Send request by recorded delivery

wait 40 days for a reply

 

If you want to check enforceability, CCA the DCA's

 

Send a £1 postal order

send by recorded delivery

wait 12+2 days then complain because they never comply within the timescales

Don't sign the CCA request, just print your name

 

For addresses, go to the website of the company and find their head office or registered address and send it to that one

[BankFodder]

I suggest that you start threads in separate forums - Lloyds and Egg.

This will make your threads easier to follow and easier to offer you specific help.