Lloyds CCA

[ajs444]

I have had a credit card from TSB since 1990 with a £5600 limit.

This was split round about 2003 to an Amex/Airmiles card without any paperwork being signed.

I have asked them for copies of agreements for all the cards and today I received a letter from them, regarding one of the cards.

They are endeavouring to find the original signed agreement, they have enclosed a copy of my original agreement, which contains no account reference number, no dates and no signature. A copy of current T&C's and a statement of account.

They say that they would not have opened a credit card account without a signed agreement, agreement is fully enforceable and will not be entering into any further correspondence regarding provision of copy agreements.

They ramble on about Ministry of Justice guidelines and Claims Companies, generally a lot of Shi*e.

Anyone got any advice?

[Guest Old_andrew2018]

Bump

[jonnyt79]

hello

 

its the same letter they sent me, i then sent a letter out to ask if they "anticipate being able to provide a signed agreement" to which a few weeks later they sent out my signed agreement.

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/223346-cca-request-question.html

 

regards

jonny

[ajs444]

I do not think there is a signed agreement for their Airmiles/Amex card and the original credit card goes back to 1990 at least and was included in their Elect Current Account at the time.

Their Indian Call Centre chappy said he had never spoken to a customer that had a Credit Card from TSB for such a long time!!!

Discount for loyalty perhaps?

[Capricorn1601]

hi

 

I too have been chasing for sometime my CCA from this bunch of tw*ts. I took out my LTSB Mastercard with a Student Current account in 1996, but closed the current account in 1998. I kept the card. As I remember there was only a tick box on the application form for the Current Account to say you wanted a card. Nothing else. No other T&C's. Surely when they send out their version of application/T&C's they are defrauding the customer as these did not exist and are trying to make you believe they did.

 

My account has gone to Moorcroft.

[ajs444]

Account now gone to Wescott and they have currently been repelled with Bog off letter, with added request for fully compliant signed and original agreement, also letter of assignment, so far silence.

 

Other part of card has gone to a Mr Dickey in Glasgow, so he will be getting same response.

[ajs444]

Well still getting nowhere with these Muppets, Westcott have disappeared of the horizon, and I think Mr Dickey phoned this weekend, will be sending standard letter.

[ajs444]

Going to SAR them on Monday in light of the amount of info I got from Cap. One., they have opened up a goldmine.

[ajs444]

Now getting daily phone calls from AIC, Lloyds still have not supplied copy of CCA for either account and still they just ramble along.

TSB have never contacted me for months, no statement or demand for repayment.

Could go the SAR route and reclaim charges, anyone got any suggestions?

[ajs444]

Sorry trampling over some one elses posts, thought I would resurrect my original post from November 2009.

My Lloyds Credit Card dispute, is split between, LLoyds themselves and American Express, the latter was just a card issue, I know there was no paperwork signed. My original CC was taken out some 21 years ago as part of their Elect account, cannot remember if anything was signed for the card but probably for the Current Account. The alleged debt has been doing the rounds, wescott, AIC, CSL and now a letter from Apex this morning, who am I supposed to reply to? TSB only supplied a reconstructed agreement and said they were attempting to find originals,......... still waiting, also said they would not enter into any further correspondence, could have fooled me, SCM solicitors sent threatogram over a year ago.

As I am in Scotland I understand that they have to produce original if they waht to go to Court, am I correct in that assumption?

[ajs444]

I wrote to APEX over 10 days ago asking for copy of agreement, date taken out and default charges on account, sent recorded delivery. No reply back but letter this morning from HL legal AKA Sampson threatening legal action and not prepared to enter into any correspondence etc.

Anyone had any dealings with these muppets? I seem to be on a merry go round of DCA's and lawyers.

[Capricorn1601]

Hi AJ

 

HL (including Sampsons) are letterhead for rent. Its just Apex trying to but the frighteners on, but doesnt mean anything.

 

 

Caps

[jdes26]

H and L trying to scare again

wasters

bin material

we all know this

[ajs444]

CSL chasing Amex CC, did not recognise account number on letter head, have asked for clarification i.e. agreement, date taken out, any default charges etc. Have heard nothing from them.

Same position with Apex, have sent same letter, have asked who the alleged debt is with them or HL Legal, actually received acknowledgement, they are going back to TSB to verify, collection suspended in meantime.

Both have had only contact me by letter message and no doorstep collections.

I await with baited breath.

[ajs444]

Well, a month now passed, no word from Apex regarding the search for the CCA and no further correspondence from CSL, should I now ask for confirmation that there is no agreement.

I think I read on the forum that they had to acknowledge that the agreement does not exist?

[HoodedClaw]

Subbed

[ajs444]

Still no response from CSL who could not even acknowledge my original letter (surely dont have template answer) and Apex have not come back either.

Enjoying the lull in proceedings.

[Capricorn1601]

enjoy the peace and quiet whilst it lasts

[ajs444]

Well APEX have sebt me copies of Credit Card statements going back 2 years for an American Express Card, and have failed to answer any of the questions I put to them:-

 

Date of original agreement,

Any default Charges applied to account,

Any paperwork that confirms the account number they are quoting on their letter head.

 

Think I'll SAR them to see what they produce, very little I think.

[ajs444]

Well back to Wescot now, letter received at weekend, on TSB headed paper, last time I replied they denied sending out the letter.

[ajs444]

Debt now over to Lowells, assignment letter from Lloyds also.

[Guest]

sold? seems to have been a batch up for sale!

Edited July 27, 2013 by Ford