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Lloyds Credit Card


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Just been reading someons thread re credit card repayments. They had no signed agreement but was post April 2007. I have a credit card & recently applied for a SAR, they sent me details of my A/c including a signature but it was in 2004, do I still have to pay? I would not normally do this but these scumbags have just sent me threateners for court re my debit A/c, which is made up of entirely bank charges with going over on my overdraft by £2, they now want £1,300:?:

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