Lloyds current account SCM response for LLoyds CCA

[scarydays]

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?

[bazaar]

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

[scarydays]

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?

[dx100uk]

send failure to comply letter to lloyds

 

ignore moorcrap they can do nothing to you

 

dx

[MARTIN3030]

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 ?

[MARTIN3030]

"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 ?????????

[BankFodder]

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

[BankFodder]

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

[cymruambyth]

 

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.

[scarydays]

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

[Guest]

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