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Lloydstsb going for CO **LOST**


1littleduck
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Hi all. I contacted Lloydstsb for a copy of my agreement, and received the following. Now as I have read it, it seems to say that they dont need to supply one and the law has changed. Can anyone help with this please.

http://i534.photobucket.com/albums/ee344/gangsta_caz/Ll1.jpg

http://i534.photobucket.com/albums/ee344/gangsta_caz/ll2.jpg

http://i534.photobucket.com/albums/ee344/gangsta_caz/ll3.jpg

 

Thanks.

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The acts haven't been changed

 

Write back and ask them how the documents that they have sent can be true copies (which must be copies of the original executed agreement rather than a conjectured reconstruction) when they admit that they haven't located the original.

 

they have to supply the T & Cs as well, from the time of the agreement

 

I think that ltsb aren't giving the full picture of their obligations.

 

Why did you do this in the first place? Are you having difficulties?

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All they have sent you is there standard response to CCA requests, the law hasn't changed and they know it. They are in breach of the CCA request as they haven't yet supplied you with a 'true' copy of the agreement, therefore after the 12+2 days you can withhold all payments until such time as they do supply it.

 

If you are still banking with them, now would be a very good time to open another bank account...

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

awwww, Thanks all. I have 4 agreements with the Lloydstsb, and they have all sent the same thing..

Should I write to them and offer them a token payment of £1.00 as I am unable to pay anything at the moment as I am un-employed.

I will of course ask again for the copy of my origional agreement. :)

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Hi.. yes they sent the terms and conditions, a statement of account and the following letter.

http://i534.photobucket.com/albums/ee344/gangsta_caz/Ll3-1.jpg

I have alot of financial problems.. one account with nationwide.. but that has gone to court and has been stayed because n/w did not respond to the courts, and this has just been left.. I have not heard from them in 6 months.

Another account is going to court at the end of November, which I will post up all the details next week.. I am considering getting a solicitor or someone to help me with this one. I am un-employed and they have been not very nice at all.

then I have 5 lloydstsb, and egg loan, and hfbc card.. the last one is the only one which I think complies with the law.

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http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/161804-nationwide-taking-court-action-7.html

This is the link for the nationwide, which I received loads of very good advise for. I know all of the companies deal with people very differently, and n/w were another that was not very helpful.. they seemed to want blood and couldnt care less about your situation.

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Hi 1littleduck :)

Sorry to hear about your problems.

I agree with the above excellent advice. Another thing that comes to mind is whether there are likely to be any unfair penalty charges (late payment fees /overlimit fees etc) on any of the Lloyds accounts?

If so for 1 £10 Postal Order (which I know is a lot on UB :( ) you could send a SAR to Lloyds for all 5 accounts, so you know exactly where you stand with them. This is also another route for getting them to either produce the CCA or admit they can't..you need to include it in the request.

The link to the SAR template letter is below, amend to suit if you decide to go for it.

All the best with your fight!

Elsa xx

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Hi Undercover, can I send just one £10.00 for all of the accounts, and if so, where would I send the letter... 2 of the accounts are loan accounts and the other 3 are credit cards.

I have started another link with all the HFC marbels stuff on.. thats the one who is taking me to court at the end of November.. Just wondered if it was worth my while going to get some help from someone.. to go to court with me. I will post the link up.. so sorry to be a bother to you all. and I am really grateful for you help. :)

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aww, I have just answered this question.. I have read the template and it is £10 each... omg thats £50... :( I guess I will do them one at a time.. :) When I put the curser over the explanation of the subject request, it will not stay open long enough for me to read this, and if I click it, it send me to the home page, any sugestions?

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Hi,

 

If you click on the second link in Undercover-Elsa's signature, you'll find one there.

 

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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  • 4 months later...

Hi all.

I am being taken to court by Lloydstsb.

The loan account is a personal loan and is unsecured.

I have requested a copy of my agreement, which has been sent to me..

The only thing I think may be missing is that there are no signatures at all on it.

I have to put my defence in on Monday..It was received a while ago, but due to illness I have just managed to look at the paperwork.

I have uploaded the agreement, if someone could have a quick look and advise me on my defence..If I have one at all.

Thank you.. sorry for such short notice :(

 

http://i748.photobucket.com/albums/xx125/1littleduck/Tsb01.jpg

http://i748.photobucket.com/albums/xx125/1littleduck/Tsb02.jpg

http://i748.photobucket.com/albums/xx125/1littleduck/Tsb03.jpg

http://i748.photobucket.com/albums/xx125/1littleduck/Tsb04.jpg

http://i748.photobucket.com/albums/xx125/1littleduck/Tsb05.jpg

http://i748.photobucket.com/albums/xx125/1littleduck/Tsb06.jpg

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I have just read the 'your rights to cancel'...

It states that I have the right to cancel the agreement on the day after submitting the agreement signed by you to us by clicking the 'confirm' button below...

Is this the signatures that are required by law?.. If so, then there will be no point in putting in my defence, and just taking the ccj.

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  • 1 month later...

Hi all..

Another one taking me to court.

Lloydstsb..

I have attached their responce to my CCA request, and todate, although they have issued court procedings against me, they still have not supplied a copy of my agreement.

Could anyone please tell me if they still have to supply...not eith the origional but at least a copy of it.

http://i748.photobucket.com/albums/xx125/1littleduck/tsb3.jpg

http://i748.photobucket.com/albums/xx125/1littleduck/tsb2.jpg

http://i748.photobucket.com/albums/xx125/1littleduck/Tsb.jpg

 

I have until the 24th March to put in my defence.. I was going to use the one I sent to the nationwide, but make a few alterations.. can anyone advise me if this is the right thing to do.

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/161804-nationwide-taking-court-action-3.html

 

I have quite a few default notices from them, but without the agreement are they needed?

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