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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Robbers way, Lloyds TSB Credit Card 'fake' CCA sig and me


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Hi

 

As you can gather I am at loggerheads with LTSB,.

 

 

I sent a SAR to the bank and received the response in 2 parts.

 

 

The 2nd part was sent after I requested it again via their hound dogs Sacharri and wotsit.

 

got loads of stuff that did not make head nor tail to understand ,

but statements going back quite a few years.

Also I have a loan to LTSB and they sent the "CCA" for that which I am now disputing as the sigs are on a separate page etc.

 

As for the credit card , I CCA'd them in Jan then supplied me with it in June both sigs were different etc,

but whats getting me is this : with the sar for the bank account they sent me all the correspondance I sent to them

in regards to the credit card etc but no signed credit agreement came with it.

 

Surely if I SAR the bank and they supply me with ALL corresspondance in regards to the credit card

that includes copies of my letters, and all details of the amount of times I was contacted in regards to the credit card

then surely the signed CCA would have been included?

 

 

They also included ALL letters they sent in regards to the loan, bank and credit card account but no signed CCA for the credit card.

 

I have reported this to Finacial Ombudsman a few months back and awaiting the result. Should I tell the Ombudsman about the SAR etc?

 

Thanks in advance

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If LTSB have not fully complied with any SAR request then complain to the Information Commissioners Office.

 

This can be done online - Complaints about data protection policy - ICO

 

Also, you may wish to take them to court to comply.

 

Have a read of this thread - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/49571-havinastella-lloyds-tsb.html

 

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If LTSB have not fully complied with any SAR request then complain to the Information Commissioners Office.

 

This can be done online - Complaints about data protection policy - ICO

 

Also, you may wish to take them to court to comply.

 

Have a read of this thread - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/49571-havinastella-lloyds-tsb.html

 

 

Thanks for that.

 

What I really needed to know was this - the signed CCA for the credit card would have been a part of the SAR's wouldn't it? Even though it was for my bank account?

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A Subject Access request is just that...........a request for any data held against the name of the requestor.

 

So...........your CCA for a credit card was sent in your SAR documents even though you thought your SAR was for your bank account.

 

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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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A Subject Access request is just that...........a request for any data held against the name of the requestor.

 

So...........your CCA for a credit card was sent in your SAR documents even though you thought your SAR was for your bank account.

 

 

No the CCA was sent seperatly a while back..

 

 

. I was SAR my bank account as I want to claim back the charges

but the bank sent me details of the credit card account

such as letters I sent and replies I never received

also details of phone calls etc.

 

 

but no credit agreement for the card.

 

 

Surely if they sent those details such as the letters etc

then the signed CCA woul have been a part of it?

 

 

The reason am asking is that they sent the CCA agrement for a loan with them but not for the credit card with the SAR.

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Then press LTSB for the CCA relating to the credit card by sending the this letter -

 

Your name

Your Address

Your Town

Your County

Your Postcode

 

 

 

Date 2009

The Company Secretary

The Creditor

Creditors address

CreditorsTown

Creditors county

Creditors postcode

 

 

LETTER BEFORE ACTION

Section 7(1) – Data Protection Act 1998

 

 

 

Account: XXXXXXXXXXXX

 

 

 

 

Dear Sir / Madam,

 

 

You have failed to comply with my Data Protection Act Subject Access Request dated xxth xxxxxxxxxx 2009.

 

I will remind you as to what documents I expect.

 

The following is by no means an exhaustive list but in the main this is what I require.

 

Please supply me with a complete list of transactions and charges relating to ALL accounting history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, all records you hold on me relevant to this account, including but not limited to:

 

1. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to the account.

 

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company

 

3. Where there has been any event in my accounts history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response

 

4. True copies of any notice of assignment and/or default notice or enforcement notices that you may have sent to me, with a copy of any proof of postage that you hold.

 

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted.

 

6. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

 

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

8. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.

 

9. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

10. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

11. A copy of all account statements for the duration of the agreement.

 

12. Please would you also advise me of the logic involved in any automated decisions taken by you about me pursuant to section 7(1) (d) of the Data Protection Act 1998.

 

13. A True copy of the consumer credit agreement section 77-79 of the Consumer Credit Act of 1974 for the account.

 

14. Any Other information relating to this account.

 

If you do not comply within the next 14 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours Faithfully,

Print your name here

Do NOT sign, Send by recorded delivery

 

 

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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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Sorry for being thick here.

 

SAR's was/is Lloyds TSB bank account.

What they sent was load of stuff that I could not understand,

no bank statements etc.

 

 

When I wrote to them stating they had not sent ALL of what was required this is what they sent me

 

1: copies of bank statements

2: Copy of CCA for Lloyds tsb loan (uneforcable) according info on this site. And copy statement etc for the loan.

3: Copies of lettes I sent in regards to Lloyds TSB Credit Card

4: copies of the amount of times they called me in regards to the credit card

5: Details of other info in regards to Credit card.

 

But NO signed Credit Agreement for the credit card.

 

My question is should the stuff about the credit card and loan be included in the SAR's for the bank account?

 

If the answer is yes then should they not have supplied copy statements to the credit card account as well? also a copy of the signed CCA?

 

Or should I send a SAR's to Lloyds Credit card and see what they come up with?

 

Crikey am not sure whether that makes sense to me now either lol

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it's very simple really.

 

A Subject Access request is just that - a request for any data that contains your name.

 

Even though you sent a SAR for your bank account, LTSB are obliged to send you ALL the data they hold on YOU including any other bank accounts and credit cards.

 

So, for example, if you held 12 accounts with LTSB, they are obliged to send you data for ALL 12 accounts.

 

Now, you are saying that LTSB haven't sent a CCA for the Credit Card.......that means LTSB have not fully complied with your SAR as you know there should be a Credit Card agreement.

 

Moving on, having re-read your original post, I note that you contacted **** regarding your SAR - did you send them a SAR letter ?

 

Help us to keep on helping.

Please consider making a donation, however small, if you have benefited from advice on the forums.

This site is run solely on donations.

 

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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 year later...

Hi All

 

About two years ago I cca'd Lloyds TSB for a credit card debt etc,

 

 

I only did it because they took all my wages from my current account to pay some of it.

 

 

they sent me what they said was my signed agreement but the signatures weren't mine.

 

 

Both sigs on the agreements whilst looked similar were different.

 

 

I disputed the agreement and it has gone from one debt collecton agency to another

and none of them have produced the CCA until now.

Not even a SARS producded it.

 

 

Robbersway have produced the agreement that was sent to me 2 years ago.

 

 

Now whilst both appear to have these signatures that are purported to be mine

Robbersway agreement is not very clear apart from the signatures

also where the bank should have signed on the one sent to me it is blank

 

 

but on the Robbers way one there is date stamp and suiqqle for a sig.

 

Now I am not sure what to do

- do I print off a copy of the one sent to me by Lloyds and send it with a copy of Robbers way

and say sorry but this beggers belief that someone is committing fraud etc.

 

 

I hope that lot makes sense.,

 

Any advice would be welcome..

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Hi Teed_off.

 

Regarding the signatures on the agreement, here is some info I lifted from another recent thread:

 

The person signing your unsigned returned agreement has committed an act of fraud.

As for you benefiting from receiving the money as part of the agreement that you never agreed to or signed. Well do not worry as the following Act protects you and entitles you to deem goods (being money in the case) as an unconditional gift, which you may dispose of as you see fit.

The Consumer Protection Distant Selling Regulations Act 2000 section 24 “inertia selling/unsolicited goods”, where it clearly states the following:

 

1) Paragraphs (2) and (3) apply if—

 

(a)unsolicited goods are sent to a person (“the recipient”) with a view to his acquiring them;

 

(b)the recipient has no reasonable cause to believe that they were sent with a view to their being acquired for the purposes of a business; and

 

©the recipient has neither agreed to acquire nor agreed to return them.

 

(2) The recipient may, as between himself and the sender, use, deal with or dispose of the goods as if they were an unconditional gift to him.

 

(3) The rights of the sender to the goods are extinguished

What year is your credit card agreement from? Any chance of posting it up, removing all personal details.

It would appear that RW have probably date stamped and signed it. What date is the stamp and what date did you supposely sign the document

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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Hi Formister

 

Thanks for your reply but am not sure how it will help me tho. Well I got the card in April 2007 but according to these agreements I am supposed to have signed at the end of may 2007 also the "card" is dated May so they wouldn't give any agreement in retrospect would they? The date on these agreements are 26/05/2007 which was a whit bank holiday so the card would have start date June 2007 not May.

 

I wil scan both in and post them.

 

Cheers

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So basically you are stating that you already had the card in April but the agreement wasn't made until May? Is that right?

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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So has your SAR request produced something that you can back up the date with, Statement, log print out?

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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Too small to read. Try converting to PDF and uploading by clicking on the Go Advanced button next to the quick reply button

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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  • 3 years later...

Hi

 

I received today my SARS from Lloyds formally Lloyds TSB and I have two questions to ask please.

 

1: It says in part of the documentation that the debt was written off in 2011 and the balance was nil. It was then sold in 2013, am I right in thinking that as it was written off by the original creditor two years before they sold it, the "new owner" cannot collect on it?

 

2: Signed credit agreement, copy received throught the SARS and same debt as above, the date was not entered by me but on the documentation sent with the SCA is different to whats on the cca. Would that also make it unenforcable as fraud would have been committed?

 

Would really appreciate help on this as I need to put this to bed asap and I am getting begging letters galore from these "new owners" and they seem to disregard any correspondance I send them.

 

Thanks very much even for reading x

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nope they can sadly

 

 

whats the type of debt please

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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You will probably find a note on your file around the time the debt was "written off" that the balance was sent to debt collection. This is standard practice and apparently legal.

 

So is selling the rights to the apparently "written off" debt.

 

This happens to a lot of people and it is confusing when your credit file shows a balance of zero and the account "satisfied". Shortly after it pops back with the name of a DCA on it and the original balance showing again.

 

If the balance has increased or the default date has changed then you should get that corrected.

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Thanks for your replies greatly appreciated.

 

I did see a note to stating that it had been sent to debt collection but that was in 2010

then 2011 it was written off and nothing further after that Until

 

 

sept 2013 from the buyers so to speak.

 

 

Its for a credit card and and its been disputed since Dec 2008

and no payment was made by me since Oct 2008.

 

 

The default date would be Oct 2008 and that can be proved.

 

I have checked my credit file and it does name the "new owners" but the default date is incorrect.

 

 

How would I go about changin that please?

 

 

There were a couple of others that are statue barred as well and the dates on them need changing or they need to be removed.

 

This has been a real worry for me and its the 2nd SARS I have sent lloyds and they still haven't provided all the requested details.

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