@asklloydsbank LLOYDS CCA Reply- comments please

[HOWLER]

Recently CCAd Lloyds TSB Here is their reply. I would appreciate your comments as to next step. Thank you.

[Craigbadger]

Thats identical to what I was sent. I presume there was a copy of current agreement and a fresh copy of what was apparently your original agreement with your name and address. If so I asked the same thing here, so I guess the letter would be the same as what you need.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/250238-actual-rights-copy-original.html

[HOWLER]

thanx craig

crackin letter

i love this forum the info available is just brill

i suppose i should wait untill the 2 weeks are up.?

[Craigbadger]

This is the bit that confuses me ie the days. I think its 14 days from the day it was posted so monday will be my 14th day so unless by miracle the correct agreement drops on my mat monday i'll be sending then.

[Craigbadger]

Agreed on the forum aswell. Time to fight back the system, so much good advice and information, if nothing else you'll live your life knowing a lot more than you did and will never get walked on again.

[HOWLER]

i'll bet it doesn't;) land on monday that is

[harrassed senior]

Hi, just to clarify it is stated as 12 +2 working days. The 2 days are to cover postal days if send recorded by first class post. These would be Monday to Friday.

 

The 12 days are also working days Monday to Friday (not counting any bank holidays).

 

As the OC have already replied with what they perceive as the correct documentation, you do not strictly speaking have to wait the 12 days before replying.

[HOWLER]

does that mean i can also send the in dispute letter?

[F_DCAs]

“Please be assured we would not have opened a credit card account without having sight of a signed agreement” - I love that line!

Remember, this is Royds TSB, and nothing's too idiotic for them.

Sounds a bit like, 'we would not have pushed through unlawful transactions through Iran and The Sudan'

or 'we would not have alienated the entire Islamic community by lying about Interpal and then getting caught lying'

or 'we would not have cost the taxpayer £17 billion with a colossally badly thought-out company takeover',

or 'we would not have let the government shaft us into said takeover',

or 'we would not be asking the UK government for another handout to bail us out as our share price is hovering just over the 50p mark'.

Royds TSB follows entirely automated processes which - I was once told - can't be changed or shut down.

Wait till the end of this year, and we'll see then.

[HOWLER]

i like the one about giving me free financial advice and would i like a chat.

[HOWLER]

[HOWLER]

Latest letter, your comments please as to what to do next ?

[Craigbadger]

Lucky you, they found an enforceable agreement and forwarded to me 3 days after the initial letter.

I'm fairly sure that if they find it they will forward a copy to you but for now the accounts in dispute so i'd just sit tight.

 

Lloyds do seem 1 of the more efficient banks and seem to be pretty on the ball at the moment in regards to CCA requests in realisation people wont pay if the accounts in dispute and by sending a good copy it causes minimum delay in payment so i'd say its looking good for you at the moment and the old cliche of no news is good news certainly comes into play

[creditcardmug]

subbing

[HOWLER]

thanx Craig

but have you read the "Final Response" letter i have just added ?

[Craigbadger]

thanx Craig

but have you read the "Final Response" letter i have just added ?

I got a final response as well despite the fact they had sent me the original CCA.

Also a letter informing me they are looking further into my complaint. It would seem that its all handled by different departments and they dont communicate hence not a lot of responses making much sense and being all over the place.

I actually think there is probably a whole department with the job of sending out CCA's and nothing else.

 

I personally think if they had 1 they'd of sent it you so take it as good news.

 

Sit back wait and see what happens.

Edited March 28, 2010 by Craigbadger

[HOWLER]

LATEST LETTER, COMMENTS PLEASE

ALSO CALLING ME EVERY DAY

HAVE SENT HARASSMENT LETTER

[HOWLER]

Regards their Final Response letter , do you think i should reply ?

[Jasper1965]

Regards their Final Response letter , do you think i should reply ?

 

I would in the very least ask them how they can state "Even in circumstances where an agreement is unenforceable (which for the avoidance of doubt is not the case in relation to your agreement)" unless they actually have a copy of the original agreement which begs the question why they have not produced a copy of it.

Something along the lines of "With respect it is for me to ascertain whether the agreement is enforceable this was after all one of the primary objectives of the disputed CCA request. It is not for you or your representatives simply to tell me the agreement is enforceable whilst deliberately denying me sight of a true copy of that agreement.

(With reference to the OFT guidance in the matter of claiming an agreement exists when it does not or is enforceable when it is not):

By stating that the agreement in question is enforceable in your final response letter you imply that you have a copy of the agreement and a suitably qualified employee has checked the document for enforceability, please therefore confirm

1) Whether or not the original agreement exists.

2) The legal qualifications of the employee who has apparently checked the legality of this document.

3) Why you still refuse to supply me sight of this document despite a genuine and lawful request to this end and a clear proclamation that you have nothing to lose by supplying it.

4) The grounds upon which you aver the agreement to be enforceable.

 

I am fully aware of the legalities surrounding the existence of the debt whether enforceable or not, I simply require clarification by my own expert in these matters over whether the agreement is enforceable by Court action or irredeeemably unenforceable and an independent scrutiny of the charges, terms and conditions applied to this account over it's lifetime.

I do not expect and will not accept you simply to tell me it is enforceable without supplying your reasoning and evidence, the most obvious solution if it is as you claim enforceable is to furnish me with a copy at this early stage, your reluctance to do this despite your indirect assertion that the document exists leads me to draw my own conclusion such conclusion being that the original either does not exist at all or is irredeemably unenforceable, there is no other logical explanation for your obstinance in this matter, it would have been easier and cheaper for you to have supplied a copy of the original than to enter into an extended dialogue with myself and what looks increasingly like investigations of complaints by both the OFT and the FOS.

[HOWLER]

thank you jasper

this site amazes me, you people just keep on coming up trumps.

as this account is now in dispute, can they carry on charging interest ?

is there anything else i should be doing ?

thanks yet again

[MARTIN3030]

Thread moved to Lloyds forum.

[HOWLER]

thank you martin

[HOWLER]

thank you jasper

this site amazes me, you people just keep on coming up trumps.

as this account is now in dispute, can they carry on charging interest ?

is there anything else i should be doing ?

thanks yet again

[HOWLER]

can someone please advise me of my next step???????????????????

 

PLEASE:confused:

[Dotty50]

Hi Howler,

 

Depends what your aim is really.

 

Jasper gave you some idea, did you do anything ?