Lloyds TSB Sec 75 CCA Claim

[Jonnie Reclaim]

Hi All,

 

I've been trying to claim the cost of a faulty computer system (purchased online from a non UK company) using a LTSB credit card. LTSB have done their best to side step the claim, trying to liase with the merchant on my behalf, and trying to delay as much as possible. The Customer Concerns dept (Brighton) are virtually impossible to contact by phone, and all obstacles are placed in your way to make things difficult. I've complained to the FSO, who is now contacting LTSB for a final response. Has anyone issued a MCOL against a bank or CC company for a Sec 75 Claim ?

 

I wondered if it was a contractual breach (for the wording of the MCOL form), and then the cost of defective goods are claimed.

 

Any advice would be gratefully received.

 

With thanks,

 

JR:-x

[reallymadwoman]

I believe the claim would be made under s75 of the CCA rather than as a breach of contract, however if the FOS are involved already then see what they manage to get out of the bank. It may be that if they see you're serious they'll pay up. If not, you can then decide whether to leave it with the FOS or go the court route.