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shammy36

Lloyds Reply To Cca Request ???

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Hi All,

Sent off a cca request for a friend of mine who had just dipped into his overdraft , and was hammered with charges over a period of three weeks.

 

He did get a reply from them , but the letter contained his returned postal order and this reply.

 

"Thank you for your request under section 77/78 of the consumer credit act 1974

This section doesnt apply to current accounts either where there are planned or unplanned overdrafts.This is because the act does not require the agreements to be documented in "executed agreements"within the meaning of the act.

 

We have therefore returned the postal order that was received with your request.

 

Any thoughts on how to reply to this guys !!

 

Many thanks

 

Sham

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A CCA is no good for an overdraft. If he knows what the unfair charges are he should list them and reclaim from the bank. If he doesn't he would need to send a SAR to get copies of his statements so he can work them out.


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.

 

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EDIT: You got there faster lol :D


I am rarely around these parts any more. I only stop by when something has come to my attention that has sufficiently annoyed me so as to persuade me to awake from my nap and put in my two pence.

 

I am a final year law student; I am NOT an expert in law. All of my posts are just my opinion. I cannot be held responsible for any outcome whatsoever resulting from any person following the opinions or information contained within my posts. Always seek professional legal advice from a qualified lawyer.

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Hi Cerbursalert,

 

I did think that might be the case ,so i sent off a sar at the same time as the cca request (they still have a week left to comply) but hes still getting calls and letters threating legal action. Do you think its time for the good old account in dispute letter

 

Sham

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Just write stating that you dispute the a/c because of the unfair charges which have been added & that you are awaiting a response from your sar.


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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Thanks Cerberusalert ,

 

Will do .

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