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DebtUpToMyEyeBalls

CCA'ed Lloyds TSB and got 2 sets of Terms and Conditions

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I have CCA'ed Lloyds TSB back on 1st July and got a response back Today 1st August.

 

It seems to me that they have sent me 2 printed out terms and conditions and not what I asked them for.

 

I have attached the letter

 

Please can advise me what to do next as I have just received a letter from MHA Collections demanding I pay TODAY.

 

Please help.

 

http://i1019.photobucket.com/albums/af319/Ukmark319/LetterPage1290709.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/LetterPage2290709.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/LetterPage3290709.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage129070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage229070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage329070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage429070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage529070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-6.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-5.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-4.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-3.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-2.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-1.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreementpag.jpg

Edited by DebtUpToMyEyeBalls

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snap

 

Its exactly what I have received in the post today too.

 

I love the bit about "we are endeavouring to locate the copy of your signed agreement, but please be assred we wold not have opened a credit card account without having sight of a signed agreement".

 

 

Can someone more experienced please advise on next steps. I had a call from their collection department at 8:30 this morning. I told them they had the wrong number and hung up.

 

Cap


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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I have CCA'ed Lloyds TSB back on 1st July and got a response back Today 1st August.

 

It seems to me that they have sent me 2 printed out terms and conditions and not what I asked them for.

 

I have attached the letter

 

Please can advise me what to do next as I have just received a letter from MHA Collections demanding I pay TODAY.

 

Please help.

 

http://i1019.photobucket.com/albums/af319/Ukmark319/LetterPage1290709.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/LetterPage2290709.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/LetterPage3290709.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage129070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage229070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage329070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage429070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage529070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-6.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-5.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-4.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-3.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-2.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-1.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreementpag.jpg

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Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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Please can someone look at the response I got from Lloyds TSB after my last CCA request.

 

http://i1019.photobucket.com/albums/af319/Ukmark319/FinalResponseregardingCCArequestpag.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/FinalResponseregardingCCArequest-1.jpg

 

 

Would this part of the letter make my claim for my account being unenforceable if no signed agreement is found, invalid?

 

"We point out that your credit card account has been in existance for some time and you have drawn down and repaid debt on multiple occasions, thereby acknowledging that your agreement is valid and enforceable."

 

What should my next move regarding getting the signed agreement?

 

Many Thanks

 

Mark

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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well what they say, and it is a long letter

 

i would put it like this

 

We just cant find it, shame.

 

Send letter as advice

 

Happy days lilly white


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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Thx Lilly white.

 

what about the paraghraph containing:

 

"We point out that your credit card account has been in existance for some time and you have drawn down and repaid debt on multiple occasions, thereby acknowledging that your agreement is valid and enforceable."

 

Mark

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thereby acknowledging that your agreement is valid and enforceable."

 

There is a simple formula;

 

No CCA = No Enforceable Agreement = No Payment


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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please maths was not strong point however, cerberusalert,is 100% correct

 

 

Just enjoy i hope it is sunny where ever you are.

 

 

PS the bank would say that

 

 

The best regards lilly White


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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c1044948bae8e315839518bda0e30fbd.png it still ends up as no payment. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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It now seems Lloyds have passed the account over to their in-house DCA offering to lower the payments to £273.67pm fo 6 months...thats nice of them...NOT!

 

http://i1019.photobucket.com/albums/af319/Ukmark319/MHACollectionsacceptingreducedpayme.jpg

 

Im still awaiting for them to reply to my SAR rquest...Looking forward to see what turns up.

 

Mark

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any news debtuptomyeyeballs?


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Not a dickie bird yet....but Lloyds TSB still have until 3rd October before the 40 days are up on the SAR request.

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I sent a SAR request to Lloyds TSB back on the 24th Aug 09 via Recorded Delivery. 40 days passed, so I sent a chase letter. Got a reply today saying the original one was not received and If I send another £10 and complete the form which was enclosed with their letter they can responded with the information required.

 

tsbsar.jpg

I have proof (Digital Signature) that the original recorded delivery was actually delivery on the 26th Aug 09.

 

I really dont want to send another £10 or wait another 40 days.

 

What should my response be..

 

Many thx

Mark

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I'm not sure, but I think you can send them a letter advising them that you have followed the correct protocol and perhaps give details of the recorded delivery. Also let them know that you are filing a complaint as they have failed in their statutory requirements.

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you can get into a fight with them or you then simply swallow your pride for the moment and go in and get the SAR that you need.

 

If you get locked into dispute, they will be able to channel you off into an eight-week investigation and then six months to one year investigation by the ombudsman.

 

I would suggest that the best thing to do is to make a formal complaint -- and enclose a copy of the recorded delivery receipt evidence -- and tell them that you want to brought before the ombudsman. Make sure that you follow this through all the way.

 

Meanwhile provide them with another SAR -- fully paid -- but this time and it into your branch to the manager and tell them that you want a receipt. They won't like to give you a receipt but if you are prepared to become loud about it, then they will probably give you what you want. They will invite you to come and meet the manager in some little room. This is not for your benefit. It is for their benefit so that the public not able to see or hear what goes on and are not able to witness you serving them with an SAR and demanding a receipt. When they invite you to go into an office, refuse and tell them you want to deal with the matter there and then.

 

And the manager the SAR and the payment. If they really won't give you a receipt, then take a note of the time and also the name of the manager you are dealing with. Then write to the branch and also write to Lloyds data protection officer and confirm that you have supplied an SAR to their branch on such and such a date at such and such a time to such and such a person. Point out to their data protection officer that this is the second time that you have served them with an SAR and if there is any more funny business, you will simply put the matter before the County Court.

 

I don't think that there's anything more than you can do in your best interests.

 

Don't forget that Lloyds TSB is not to be trusted


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LTSB ALWAYS lie as regards SARs, and this applies especially to payments for SARs. Even if your account clearly shows a payment has been cashed by that department, they'll always deny it just the same.

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I have CCA'ed Lloyds TSB back on 1st July and got a response back Today 1st August.

 

It seems to me that they have sent me 2 printed out terms and conditions and not what I asked them for.

 

I have attached the letter

 

Please can advise me what to do next as I have just received a letter from MHA Collections demanding I pay TODAY.

 

Please help.

 

http://i1019.photobucket.com/albums/af319/Ukmark319/LetterPage1290709.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/LetterPage2290709.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/LetterPage3290709.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage129070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage229070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage329070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage429070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/TrustcardConditionsnOfUsepage529070.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-6.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-5.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-4.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-3.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-2.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreement-1.jpg

http://i1019.photobucket.com/albums/af319/Ukmark319/Trustcardconditionsofanagreementpag.jpg

 

I received these today as part of my CCA request, is it still valid to send the timescale letter lilly white quoted above?

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