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    • Well tbh that’s good news and something she can find out for herself.  She has no intention if peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now- post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!  Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.  Somehow rekeyed as normal when I was called with the results.  A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
    • Hi Roberto, Read some of the other threads here about S Sixes - they all follow the same routine of threats, threats, then nothing. When you do this, you'll see how many have been in exactly the same situation as you are. Keep us updated as necessary .............
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    • unrelated to the agreement then, could have come from Lowells filing cabinet (who lowells - they dont do that - oh yes they do!! just look at a few lowell paypal EU court claim threads) no name and address for time of take out either which they MUST contain. just like the rest of the agreement then..utter bogroll that proves nothing toward you ... slippery lowells as usual it's only a case management discussion on 26 April 2024 at 10:00am by WebEx. thats good simply refer to the responses you made on your 4a form response only. pleanty of SPC thread here to read before the 26th i suggest you read at least one a day. dx  
    • I think you have the supremacy of contract as it allows you to park in designated areas. I would argue that there being parking enforcement there clearly means its to be used as parking and as such you can use it under your lease. Only need to worry if they ever follow through with a letter of claim and a claimform though
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Lloyds tsb/ aka SCM solicitors


nigel_bytes
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Now they have turned on the bully boy tactics.

They know of my circumstances and i have kept to the agreement with them for the last 2 years, I have made payments monthly as agreed with them.

 

Two months ago they started sending me letters informing me of charges so i took my complaint to my MP Jason Mccartney who wrote to Lloyds on my behalf.

 

I received a respone from Lloyds who confirmed they would look into my complaint and get back to me within a month, Of course that never happened, Im at the stage now of throwing the towel in and going to court, If its a pound a week then thats fine by me i just stopped caring.

 

My loan was taken out in july 2004 and i know i was paying PPI but i canceled that in 2005

What on earth am i going to do ?

Anyone advise please.

lloydspre.jpg

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debt is £2668 which i was paying monthly at a reduced rate thanks to the CAB who handled my claim for me 2 years ago. Statements of income were sent to them in march this year, they confirmed in writing to pay monthly at reduced rate, I havent missed any paymets.

Then they started adding interest when they agreed they wouldnt ! So i took it my MP who wrote to them.

I havent 'CCA' them, should i ?

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Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974

 

 

 

1 High Street,

Newtown,

Kent

R21 4RH

 

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Tradinglink3.gif Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

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nigel_bytes - in same situation as you, paying reduced payments initial agreement due to end early next year, then same letter from SCM, then letters from Moorcroft, which after advice on CAG I have ignored - just made payment by cash to LTSb to show keeping up with terms of temp agreemnet. About to CCA them. Good luck

 

Intend

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Recorded delivery sent yesterday evening so will check midweek if they have received my request.

I found this article in the times from last year, so it looks like they are up to their old tricks.

 

http://business.timesonline.co.uk/tol/business/industry_sectors/banking_and_finance/article6078489.ece

 

Thanks everyone.

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  • 2 weeks later...
  • 4 weeks later...

Hi all, I got a response today from Lloyds but my scanners not working. In brief they write,

I write in response to your request for a copy of your consumer credit agreement .....

I have enclosed with this letter a copy of THE RECONSTITUTED VERSION of your executed agreement and a signed statement of your account.

By providing you with the documents attatched to this letter we have satisfied our obligation to provide a copy of the executed agreement under section 78.

blah blah blah. (my caps)

Will try later to get scanned copy.

Thanks for reading.

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