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The very first paragraph of the terms. If it pertains to everyone that applied, it doesn't say that - it says it is info for those applying for upgrades and that is now part of your dispute.

 

 

Pinky, sorry to butt in but im new and not sure how to start my own threads yet. I have requested on behalf of hubby SRA CCA from LTSB

today, my question to you and also the reason for the request is that hubby has not used card for years and has been maintaining minimum payments by D.D. Last week he received overlimit letter requesting £300 pounds payment:evil:. His credit limit was £2,000 and i wrote to them asking them to explain why credit limit has been reduced therefore putting the account overlimit. They wrote back this week saying if you are experiencing problems complete enclosed I/E forms. No mention of why i had to write in first place. Sorry im waffling but my point is if the original agreement was to state £2000, would that put us in good position.

 

Ang

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  • 1 month later...

Hi all

 

I requested a cca from Lloyds on 10th July 2009, I have recieved a response asking for me to complete several forms asking why I want the information and insisting they need signature in order to continue.

 

I completed the forms only giving the information I feel comfortable giving and signed it with line through signature. Have not had response like that before so not sure what to make of it.

 

Any comments would be welcome:).

 

 

Ang

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Ang, do you want me to move this thread ;)

 
 

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

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Hi Maroon

 

Ohh dear :confused: I thought I got it right this time, im sorry but i dont seem to have new thread button and started thread through a response from the lovely slick, I will have it sorted soon though.

 

Many Thanks

 

 

Ang

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Thread moved to LTSB forum.

 

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  • 2 weeks later...

Hi all

 

Have I started this thread in correct place please.

I have today received response for cca request, it is a few general documents no signed agreement and a rather arragant letter asking which debt management company we are taking direction from:mad:.

We have already requested a SAR so that will be interesting. They say they are not at liberty to provide copy of original signed agreement under cca request:confused:.

They do say this:

We are endeavouring to locate the copy of your signed agreement:D:D:D

 

Shall I just wait for SAR request, will they have to provide cca under that request.

 

 

Ang

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and a rather arrogant letter asking which debt management company we are taking direction from:evil:.

 

 

Poor dears! They're worried about their jobs.

 

When 12 +2 days have clocked up - see how they like the Account in Dispute letter.

 

David

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Have already sent account in dispute letter once, as the request was made about 8 weeks ago now.

 

 

Then they had better 'endeavour' harder to find your CCA as without it, they're stuffed.

 

Some banks try to say they don't need to provide the CCA under the Subject Access Request. Wrong - they do, that arguement was lost a long time ago.

 

David

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Hi Cashins

 

What they have sent is pure rubbish, have read it cover to cover its just like regular a4 paper with my details typed in appropriate places.

Shall I re-send account in dispute letter even though they say they will contest any such aligation or shall I just write and say what is this manure you have sent me, giz me quid back lol :mad:.

 

 

Ang

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Shall I re-send account in dispute letter even though they say they will contest any such aligation or shall I just write and say what is this manure you have sent me, giz me quid back lol :evil:.

 

 

Well, it's already in dispute.

 

Don't see why you can't write and point out that the account is still in dispute as they have not complied with S78 and you want your quid back, (although that will be like pulling teeth).

 

David

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Cashins

 

This one for hubby, think i will just wait for SAR information they sent the SAR request forms to him and they were returned safetly. So I imagine they will process them although god knows what they will send:rolleyes:.

They have never responded to my own cca and have not chased payment YET. I also sent account in dispute to them on 14th Aug but have heard nothing. Is it best for me to now SAR them or sit back untill they chase payment.

 

Many Thanks

 

 

Ang

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Just subbing to your thread angmarie... and adding support.

 

At least you only paid £1 for your rubbish... I paid £2! :p

 

Good luck with it all.

 

Spam.:)

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'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Hi Ang:)

 

Just subbing as Mr Landy and I also have many issues with LTSB - current account, loans, PPI etc!

 

Will offer advice/support where possible - best of luck:)

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi all

 

Oh the Joy, another letter from LTSB today, repeating most of 1st Sept letter. I really like this bit though;

We have no obligation to provide you with a copy of the signed agreement, although we are STILL endeavouring to locate such a copy:rolleyes:.

WHY, waste your time LTSB when you have no obligation to supply under section78:p.

Best of it they invite me to meet with their Financial Health Specialist, now that makes me LMHO.

I have already sent SAR to them, daft buggers lets see what tripe they turn out for this request.

 

 

Ang

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We have no obligation to provide you with a copy of the signed agreement, although we are STILL endeavouring to locate such a copy:rolleyes:.

 

 

Give me strength!!

 

David

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Don't be surprised if they try it on and mock up an agreement. In response to a CCA request sent to AIC before, he got a letter from AIC stating the agreement was unobtainable.

 

Then, it was a bit of a shock for him to receive a Credit Card CCA (he's never had a LTSB Credit Card) with his signature on, but all other details completed by two separate people.

 

The date of birth is unclear, and the phone number completely wrong.

 

LTSB aren't above dirty tricks - but then again, being found in possible breach of UN Sanction Law (as they were caught out doing in January this year) isn't above them, either.

 

Lloyds TSB and Iran (Sanctions): 12 Feb 2009: House of Commons debates (TheyWorkForYou.com)

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Hi Ang:)

 

As F_DCAs says LTSB are not to be trusted in any way, shape or form - in response to a PPI mis-selling issue we have with them they sent our request and accompanying paperwork back to us on FOUR occasions and said they could find no record of the account or customer despite us sending them a copy of their own agreement as supporting evidence:-o

 

You just need to stand your ground and show them that you have no intention of giving up and going away, which is what they are hoping for!

 

Be prepared for them to use delaying tactics with your SAR request too as we found that even with that they were unwilling to comply within the prescribed timescales - keep to your timetable and if they don't comply report them to the Information Commissioners Office.

 

We have also reported them to the FSA who I understand are gathering evidence of all the 'fob-off' letters LTSB regularly send out:D

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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where landy? I would love to send them my details, not that they followed up my initial complaint 3 month ago.

 

 

They have served me with a DN today. Please take a look and let me know what you think

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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where landy? I would love to send them my details, not that they followed up my initial complaint 3 month ago.

 

 

They have served me with a DN today. Please take a look and let me know what you think

 

Hi Capricorn:)

 

If I remember rightly copies off all fob-off letters should be sent to Adrian Crick at the FSA - I'll go and check the address for you - be right back!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Right - the address is -

 

Financial Services Authority

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

I haven't sent mine there yet, but when I do I'll just mark it F.A.O Adrian Crick.

 

My previous letter I sent to the Waivers Team, but the address is still the same.

 

Hope this helps!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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