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Lloyds current account SCM response for LLoyds CCA


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I have an account which is seriously in dispute (been waiting 5 months for them to act on my SAR). Moorcroft are pressing saying next step is court. Can they take an account in dispute to the court stage?

 

I would press back and tell them in no uncertain terms that as they are delaying with your legal request ( I assume theyve cashed your postal order or cheque?)

Any court proceedings will result in you reporting this to the court

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OK - I'm very confused. Not sure what I should do next.

 

I sent a SAR to Lloyds in March for my current account with them. I have sent several follow-up letters, and letters to Moorcroft stating that the account is in serious dispute, but they still threaten to pursue me.

 

I received a letter of notification last week that info was waiting at a local branch for me to collect. I went there today and received a tiny envelope. I expected to collect a huge file - I have had this account for 5 years.

 

So I open the envelope and inside is a covering letter saying the enclosed information should meet my requirements under the Data Protection Act 1998.

 

So inside the envelope is a printout of a summary of contact made with me/or attempts to contact me by telephone, dated between 02/01/2010 an 26/02/2010 - and a series of 15 computer screen dumps kind of associated with the list.

 

However, the first thing I notice is, it's got nothing to do with my current account at all - but with my Lloyds credit card.

 

The next thing I notice is that I did a CCA request on the credit card (via SCM)- which is noted in the list of contact. There is then a note in the list to say no credit agreement exists so unenforceable. Then there is a note to say, don't bother informing her, just put the account on hold, and pass the £1 fee to banking!!!!

 

Is this for real?

 

What should I do? I have Moorcroft breathing down my neck threatening legal action if I don't cough up by yesterday - re my current account. And no response from my SAR of 23rd March - and obviously no return of my £10.

 

And I have blatant evidence of them avoiding the situation with regards to my Credit Card.

 

Any suggestions?

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send failure to comply letter to lloyds

 

ignore moorcrap they can do nothing to you

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Typical story.

Lloyds seem to think that the DPA does not apply to them.

Under the act-anything provided should be clear and intelligible.

What temp/letter did you send them ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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"The next thing I notice is that I did a CCA request on the credit card (via SCM)- which is noted in the list of contact. There is then a note in the list to say no credit agreement exists so unenforceable. Then there is a note to say, don't bother informing her, just put the account on hold, and pass the £1 fee to banking!!!!"

 

 

Really ?????????

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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This is very interesting.

 

Would you mind send me an email at our admin address to discuss a way forward on this.

 

I think that this discovery has put you ina very good positon

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I've also sent you an email. Check your junk/spam filders if you don't see it.

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The next thing I notice is that I did a CCA request on the credit card (via SCM)- which is noted in the list of contact. There is then a note in the list to say no credit agreement exists so unenforceable.

 

This seems to be a regular entry for LTSB. Unfortunately [problem] seem to get away with virtually illegible application forms which DJs accept.

'due the age of yr a/c the docs you req are no lngr held. we therefre regret we are unable to process yr reqst.

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  • 4 weeks later...

Some advice please,

 

I have just had the following letter from SCM regarding a CCA request I made. They have supplied an "agreement" which I need to check the validity of. But they also say,

 

1. the bank is not required to keep a copy of the Default notice, this was sent to you on xx xxxx 2009

 

2 A formal demand was issued on xx xxxx 2009 and this is the termination notice.

 

3 There is no notice of assignment of the debt as it has not been sold.

 

Are all of the above correct?

 

Many thanks

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Some advice please,

 

I have just had the following letter from SCM regarding a CCA request I made. They have supplied an "agreement" which I need to check the validity of. But they also say,

 

1. the bank is not required to keep a copy of the Default notice, this was sent to you on xx xxxx 2009 generally, they don't keep copies of anything sent, it s/b all logged.

2 A formal demand was issued on xx xxxx 2009 and this is the termination notice. a formal demand for the full bal is generally regarded as termination. did they confirm in writing that their 'formal demand' is termination?

 

3 There is no notice of assignment of the debt as it has not been sold. correct, if it is still with the o/c then no 'assignment' has taken place.

 

Are all of the above correct?

 

Many thanks

 

IMO

IMO

:-):rant:

 

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