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axxsabian

Lloyds TSB f&F WOW!!!!!!!!!!!!

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Hi there, over the past 6 months i have been in a battle with Llods tsb over my cca so to my suprise, today i recived the letter below

What a full and final offer it is if i had £4000 to throw at it i would but then i thought this must be the last resort for them as i dont think they can find my CCA as mit is over 18 years old

So what do you think i should send them back as i cant afford £4000

 

ojqxk.jpg

 

thanKs

AX

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If they havent provided a CCA then dont pay them a penny! Sounds from the letter like they know they have no chance of recovering anything by legal means so are trying a last ditch tactic to recoup whatever they can.

Tell them to go to hell, no CCA = No debt!

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If they havent provided a CCA then dont pay them a penny! Sounds from the letter like they know they have no chance of recovering anything by legal means so are trying a last ditch tactic to recoup whatever they can.

Tell them to go to hell, no CCA = No debt!

 

what letter do you think i should send them if any ???

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Hi axxsabian

 

I've had quite a few off these off BLS (Lloyds in disguise). Be aware what it says in Paragraph 2.

 

"we will notify Credit Reference Agencies that your account has been Partially settled"

 

So in reality it isn't a F&F as you think really, otherwise they would notify them that the account has been fully settled. They just have to have one last dig don't they :)

 

Regards reply letter, don't send anything. As you say, you don't have the 4K anyway so there really is no point entering into more correspondence.

Edited by odds
forgot to add advice

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Hi axxsabian

 

I've had quite a few off these off BLS (Lloyds in disguise). Be aware what it says in Paragraph 2.

 

"we will notify Credit Reference Agencies that your account has been Partially settled"

 

So in reality it isn't a F&F as you think really, otherwise they would notify them that the account has been fully settled. They just have to have one last dig don't they :)

 

Regards reply letter, don't send anything. As you say, you don't have the 4K anyway so there really is no point entering into more correspondence.

 

Hi there odds, thanks for that,

I'm still paying them a token payment so i think i will stop that and see what happens

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I know this is an old thread but I'm confused who you got the stage where Lloyds are offering you a F&F. I know from all the reading I've done you've CCA'd them and they obviously haven't been able to produce that so have you just continued and put the account in dispute then eventually they are offering you an F&F ?

 

Sorry to sound think but I'm unclear how we get from unenforceable credit cards to them offering you an F&F.

 

Thanks for any information

 

Si


Lloyds TSB

31/7/2006 - Applied for statements/charges for both my Accounts ;)

29/8/2006 - Received comprehensive breakdown of chargers

4/9/2006 - Sent off Preliminary approach for repayment inc Advanced spreadsheet

 

 

NatWest

4/8/2006 - Applied for statements/Charges my Account ;)

29/8/2006 - Received request for £5

4/9/2006 - Sent £5 payment

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i just recieved it in the post, i was shocked to get it , but i decided to ignore it, so the account is still in dispute and i've not paid a penny since that day.

since then i have recieved what they claim to be my cca but it does'nt contain any of the prescribed terms and its just a load of recent terms and conditions, so bugger them

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