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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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OH lloyds tsb visa card


wittsend
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Reply from Tsb today 4th, posted 2nd class, letter dated 30th sept (cca sent 23rd sep rec by them 24th)

 

Normal temp letter, but,, As your agreement was made before 19 May 1985, we have no obligation to supply you with a copy of your executed agreement

 

I thought that clause was in the original 1974 act ...

 

Still, at least they have confirmed that the account is enforceable. If it turns out not to be, that is contrary to OFT guidance (and maybe more). It won't be enforceable if they don't have the original agreement

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i'd not do anything now, ball is in their court

what they send for the cca reply was toilet paper.

 

get that reclaim going.

 

and have you sent the failure to comply letter and stopped any payments?

 

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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look in the library top left

 

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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only if he directly replied to your cca request

 

else fire it off to the orginal ad you used

 

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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  • 2 months later...

Hi all

just a quick up date, letter from Lloyds late dec stating they will accept the reduced payments my OH offered for 6 months

small problem the letter was sent to Lloyds in MAY 2010, I wanted to stop paying them but he wont fight them

 

Can i just ask they issued a default on this account, for the arrears

are they allowed to do this if the account is CLOSED ??

 

any one

 

witts

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if the a/c is closed its closed!

agreement etc ended!

 

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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dx

just so I have this right

 

they issued a default in nov 2010 on an account that they closed in 2002 and closed again in 2003

they should not have done this so I am within my rights to ask for it to be removed? yes??

 

witts

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very right

esp if you've got it in writing both times they closed it.

 

i'd parcel that off to the CRA and say why is this on my records please

 

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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  • 1 month later...

letter sent to lloyds 15th feb asking them to clarify the reason for the default

also asked how they can keep resurecting a closed account and how if the account is closed it can have an available balance

aked if they woul state in writing if they had a true copy of the cca and if not would they inform me as such in writing by return of post

 

not heard a thing

 

w

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Hi Wittsend - just red your thread - similiar situation with son-in-law creidt card - account was ended in 2009 but still being adding interest and showinf an available balance - just written asking for all interest charged (plus contractual interest) since agreement ended. Also waiting for SAR as think it has PPI on.

 

Intend

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  • 2 weeks later...

Hi intend

 

thanks for your message hope you have better luck than me at getting somewhere with them,

Hubby cannot remember signing an agreement, nearly 30 years ago and I am almost sure that the card was linked to his bank account,

he went in to get money out and they asked if he would like one,

 

sorry for the delayed reply didn't know you had posted till i checked the thread

 

mrs witts

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  • 3 weeks later...

Hi all

quick up date, not heard a blooming thing

 

not even aknowleded my letter

 

reminder going off tomorrow, do you think they have found out they have made a large oopsidaisy ??

 

witts

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  • 3 weeks later...

update

 

have today received a letter from voyds (no not miss spelt)

 

it is assureing us that the complaint is getting the attention it deserves

 

since the complaint was first sent 15/02/2011 and we only got this when i sent a complaint that they had not replied to the first compaint

we must not deserve much attention

also they have spelt hubbies name wrong

and the letter starts with dear wittsend, no mr or 1st name

 

must have the students in on work experiance

 

will post again when i have more news

 

mrs witts

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Hi - re my erlier post - had interest charges and late payment fees credited to account:jaw: but latest statement has a late payment and interest charges on an account that is closed!! now confused. suggest you ask for refund - how can an account terminted by them still have terms and conditions?? another complaint going off.

 

Intend

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hi intend

no one has any idea what is going on there,

it appears that whoever deals with your complaint only gets basic information, any thing to complicated and they dont seem to have a template letter to cover it

they will say it was a computer error

 

a computer only works as good as the operator

type rubbish in, get rubbish out

 

keep up the complaints

 

mrs witts

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  • 4 weeks later...

recent up date letter below received, am now realy confused as the account was closed , but then was'nt?

 

Lloyds complaint.jpgsorry cant get it to download

Edited by wittsend
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I was thinking of a reply along the lines of

 

Dear wotsit

 

thank you for you letter re the offending account

my records show that your company issued a default in 2002, out lining what would happen if it was not rectified by a certain date,

your company sent a letter in 2002 stating that due to the amount owed on the account you would be closing it and asking for the return of the/any credit cards as they had been canceled

also stating that as the default had not been rectified you were registering the default with the CRAs

your company/in house solicitors sent a letter stating if the full balance was not paid then nasty things MAY happen to me

 

so are you saying that the default you issued and registered with the CRAs in 2002 was infact wrong and should not have been issued

OR

are you saying that you can issue a default in 2002 but apply it in 2010

OR

register two defaults on the same account when the first default has never been rectified

 

also if this default has been registerd correctly how can you also mark the account as an arrangement to pay (AP)

 

May I also point out you have not explained why it took LLoyds 9 months to agree to my reduced payments to you, which you only replied to after i sent you a letter with a copy of one from LLoyds dated in may 2010 stating my account had been sent to the recoverys department and I should wait to hear from them.

This resulted in you charging intrest on the account and issueing the default

Do you not find that unfair

 

also I asked you to confirm that you held a copy of the credit agreement for the account and to confirm or deny the fact in writing

I asked as I have a letter saying that your company would send me a copy of it when found dated xx 2010, I am still waiting

 

any one any thing to add

 

Mrs witts

Edited by wittsend
forgot to engage brain while typing
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