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Oldchap v Lloyds TSB Credit Card.


Oldchap
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I disputed my Lloyds TSB CC and issued formal notice etc several months ago.

 

They failed to comply and continued to add interest and charges to my account, finally last month they withdrew over £270 from my current account to cover the outstanding payment on my CC dispite the account being in default.

 

Is this illegal ?

 

Lloyds TSB sent me documents referring to an agreement although not originals and not clear, they have also made handwritten alterations to these documents.

 

Is this unlawful ?

 

Any advice welcome ...

Edited by Oldchap
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Hello and Welcome, Oldchap.

 

I've started a new thread for you in the Lloyds Forum.

 

It's always advisable to only have one account with the same Banking group as they will 'offset' as you have found out, whether or not they can or should do this whilst the account is in Dispute is another matter.

 

Could you possibly scan what they have sent you, removing all personal details.

 

Regards.

 

Scott.

Edited by maroondevo52
 
 

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Many thanks for redirecting me, I'm new to this but have found many links invaluable.

 

Please find attached the 'so called' Lloyds c/c agreement although their copy was not clear or legible. The 2 pages were separate sheets and had no numbering to link them i.e. page 1 of etc. I also cannot find any reference to credit limit and am not sure if this is relevant

 

This asset account was one held many years ago which was closed and changed for a platinum account so the numbers on the top of the agreement (blanked out) do not relate to the c/c in default.

 

Where I have circled in red, although personal details have been removed, changes have been made to the document and someone has initialled them and this is definitely not me.

 

Where my signature is at the bottom the date has been altered, again not in my handwriting. The second page is puzzling because the date at the bottom of page one which looks like 28 07 2000 (28 looks to have been changed as does the 1 to a 7) compared to the second page signature date of 24/7/01 (someone I guess from Lloyds) ... this is a year later !!

 

Any help would be gratefully appreciated.

Lloyds TSB - cc doc.pdf

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Hi Scott

 

This time, attached is the letter received from Lloyds (first 2-pages) and a 4-page document, both of which I have never seen before.

 

The latter includes an unsigned, undated cancellation form but they did enter my details at the top which I have blanked out.

 

Finally, on the 4-page document in point 15.1 they refer to 17.4. However, there is no 17.4 that I can find.

Lloyds TSB - docs.pdf

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Hi, Oldchap.

 

I've asked someone to have a look at your 'agreement', hopefully they will get back to you shortly.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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What you have to consider also is how a judge potentially sees it too...and they do vary wildly, it seems the prescribed terms are there but, whether a judge will allow the terms to be part of the 'signature' document is another question....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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I'd also consider opening up a parachute account also as they will offset against a debt from another account.....have you received a default notice ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Thanks, I’ve opened a parachute account and its up and running.

 

They have not served notice on me but I have on them.

 

Does the fact that it has been altered without my knowledge have any relevance ?

 

Does the fact that the counter signature was dated a year later bear any relevance ?

Edited by Oldchap
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I would be a little concerned that there have been alterations made to the original document after you signed it.

 

IMHO, you are entitled to see the original terms and conditions in that otherwise you wont know what exactly has been amended.

 

There is also a question mark over the document they have provided in that as you say, a reference is made to a clause which doesnt exist.

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