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Lloyds and no CCA


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I have an outstanding debt with Lloyds which I was paying back until 1 year ago when they sent it to the debt collectors, it first went to AIC and has now been passed to Credit Security Limited, I have written to CSL and asked for a copy of my CCA, they sent me a letter saying they had requested it, I have recieved another letter threatening court action or a visit by a local collector, the same day I recieved my letter back that I sent CSL from LLoyds with my postal order and a compliment slip saying they do not have my CCA due to the age of the account. Which letter do I send now, and to whom? How long will Lloyds continue to chase this debt?

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Keep this letter safe (confirming no Agreement).


Send CSL the Account in Dispute/Bemused letter.


Just because they are unable to enforce this alleged debt through a Court does not mean that it does not exist, and they can continue to chase.


Also send the 'doorstep' letter.





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Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


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The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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