Wifes Lloyds TSB cc now marlins claimform

[dx100uk]

have you both got sep tsb cards?

or are your numerous threads already running related to the same account?

 

dx

[banksdomyheadin]

Hi,

they are both separate TSB accounts.

 

I went to court with mine and lost so paying them back as agreed with court, but fancy going all the way again with this one ???

 

Last payment made was 24th April 2010. Default date on Credit Expert is 29th June 2010.

 

We do however have a signed copy of a Trustcard Platinum acceptance form and agreement signed by my Wife dated 23rd April 2003,

it says reply by 31st May 2003 for your guaranteed £6600.00 credit limit and 0% balance transfer, if that hinders things ??

 

My Wife says the original card was taken out in 1991.

 

Looking at the balance transfer form it looks like they have transferred the original card number to this new one back in April 2003?

 

We only have copies of statements from 23rd July 2004 to 22nd June 2010.

 

I have copies of DSAR from Moorcrofts, who we blew out pretty quickly,

then Robinson Way who got blown out too,

their last screen snap shot says 18th May 2011

Write off P&I £10,420.00 Balance Nil???

Edited May 13, 2013 by banksdomyheadin

[banksdomyheadin]

Hi,

they are both separate TSB accounts.

 

I went to court with mine and lost so paying them back as agreed with court, but fancy going all the way again with this one ???

 

Last payment made was 24th April 2010. Default date on Credit Expert is 29th June 2010.

 

We do however have a signed copy of a Trustcard Platinum acceptance form and agreement signed by my Wife dated 23rd April 2003,

it says reply by 31st May 2003 for your guaranteed £6600.00 credit limit and 0% balance transfer, if that hinders things ??

 

My Wife says the original card was taken out in 1991.

 

Looking at the balance transfer form it looks like they have transferred the original card number to this new one back in April 2003?

 

We only have copies of statements from 23rd July 2004 to 22nd June 2010.

 

I have copies of DSAR from Moorcrofts, who we blew out pretty quickly,

then Robinson Way who got blown out too,

their last screen snap shot says 18th May 2011

Write off P&I £10,420.00 Balance Nil???

[banksdomyheadin]

Hi,

they are both separate TSB accounts.

 

I went to court with mine and lost so paying them back as agreed with court, but fancy going all the way again with this one ???

 

Last payment made was 24th April 2010. Default date on Credit Expert is 29th June 2010.

 

We do however have a signed copy of a Trustcard Platinum acceptance form and agreement signed by my Wife dated 23rd April 2003,

it says reply by 31st May 2003 for your guaranteed £6600.00 credit limit and 0% balance transfer, if that hinders things ??

 

My Wife says the original card was taken out in 1991.

 

Looking at the balance transfer form it looks like they have transferred the original card number to this new one back in April 2003?

 

We only have copies of statements from 23rd July 2004 to 22nd June 2010.

 

I have copies of DSAR from Moorcrofts, who we blew out pretty quickly,

then Robinson Way who got blown out too,

their last screen snap shot says 18th May 2011

Write off P&I £10,420.00 Balance Nil???

[dx100uk]

is this on her cra file?

 

dx

[Bazooka Boo]

Any help please as I have 14 days to reply, the debt is for over £10K.

 

Pah! Who told you that? Wetcloths?

 

Their time limits are arbitrary and mean nothing.

[banksdomyheadin]

Yes it is on her Credit Expert report, and they stated in their letter I have 14 days to reply?

[BRIGADIER2JCS]

What data shows on the credit file? Has the account been defaulted?

[dx100uk]

forget wetcloths

 

dx

[banksdomyheadin]

So what do I do next....anyone please??

[BRIGADIER2JCS]

Has the account been defaulted?

[Bazooka Boo]

Has the account been defaulted?

 

Ignore wetcloths.

Any time limit they state is arbitrary and can be ignored.

[banksdomyheadin]

Last payment made was 24th April 2010. Default date on Credit Expert is 29th June 2010.

[banksdomyheadin]

what do I do next please??????

[BRIGADIER2JCS]

This gets steadily more confusing when did payments stop on this account, did you make a CCA request at any time?

[Bazooka Boo]

IMO it would be to CCA Lloyds, cut wetclots out of the equation all together.

Only deal with the bank direct.

[BRIGADIER2JCS]

IMO it would be to CCA Lloyds, cut wetclots out of the equation all together.

Only deal with the bank direct.

 

I agree this is going nowhere at present .

[BRIGADIER2JCS]

Earlier you mention a signed (by your wife) platinum trustcard agreement, is this not relating to this account?

[banksdomyheadin]

This gets steadily more confusing when did payments stop on this account, did you make a CCA request at any time?

 

As per my previous posts,

 

yes I have made a SAR & CCA request, which we received some 14 months ago, but they can't find the CCA as usual.

 

They do however as I have previously put- got a signed application from when my wife done a 0% credit card balance transfer,

around ten years after receiving the Trustcard credit card.

 

Last payment was 24th April 2010, default date 2 months later as per other post.

 

So Wescot are saying as far as TSB are concerned they have fulfilled their obligation now pay up.

 

Sorry for any confusion.

[BRIGADIER2JCS]

Ok, I have to say, without actually seeing the agreement it appears that the CCA request has been complied with.

[Bazooka Boo]

Agreed, without seeing what they claim to be the agreement it will be difficult to advise.

 

Any chance you can scan and post it up, (Removing all ID?)

[banksdomyheadin]

I will try and scan a copy onto here,

 

the CCA is signed and dated 23/04/2003 for a balance transfer,

 

however,looking through her statements now,

her Trustcard balance was £9,000.00 in August 2004 but in September 2004, she sold her house so paid it off in full.

 

In October 2004 they gave her a balance transfer cheque for £8,000.00 for a Barclaycard credit card debt

and increased her credit limit to £13,000.00.

 

In AApril 2005 it changed its name from Trustcard to Lloyds Tsb.

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[BRIGADIER2JCS]

I will try and scan a copy onto here,the CCA is signed and dated 23/04/2003 for a balance transfer, however,looking through her statements now, her Trustcard balance was £9,000.00 in August 2004 but in September 2004, she sold her house so paid it off in full.

In October 2004 they gave her a balance transfer cheque for £8,000.00 for a Barclaycard credit card debt and increased her credit limit to £13,000.00. In AApril 2005 it changed its name from Trustcard to Lloyds Tsb.

So this is a whole different scenario from where this thread started?

[banksdomyheadin]

Not an IT whiz kid as you may gather,

couldn't get the scan thing to work

 

Have had another letter today saying dear mrs blah blah,

 

FINAL DEMAND

Our latest enquiries have now confirmed that you are still resident at this address

but we have not received a reply to our previous correspondence.

 

Unless you contact us to agree repayment of £10,420.00 within the next 10 days further collection activity will be taken to recover the full outstanding balance.

 

Please do not ignore this letter as this could result in further action being taken to recover the debt.