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LLoyds STB CCJ Claim


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Hi, I have received a claim form from LLoyds TSB relating to a loan that I took with them in 2005. It was an online application so I never spoke to anyone either on the phone or in person. The loan was stated as being non-cancellable, and I wonder how this can be and why it didn't come under the FSA Distance Marketing REgulations? Also, I was in financial trouble when I took the loan so in my opinion it was not a responsible lending decision by Lloyds.

 

I have requested my CCA and have received 2 pages which don't incorporate any terms and conditions (I have compared it to the original that I have which has about 3 pages of them).

 

I want to defend the claim because i don'#t want a CCJ not because I don't want to pay them and wonder if any parts of the above can be used in my defence?

 

Thanks for any help

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