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    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cap1 & CCA return


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Agreed Dave, it could become a battle if you get a bit of a Homer judge to begin with. I guess it would also depend on what your claim states in the first place and how convincing it is and how much it is backed up by test cases and the words of Francis Bennion et al. FunkyFox's claim in the previous link I gave inspired me!

 

FBR

 

 

 

If you fancy some light reading the go to

 

if you want some light reading on court bias look here...>

 

http://www.consumeractiongroup.co.uk/forum/legalities/102075-un1boy-n1-issued-breach.html ....... post #514

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/147432-high-court-judgement-rankines.html

 

http://www.consumeractiongroup.co.uk/forum/high-street-stores/110148-car2403-ge-capial-bank.html .......post #74

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/11427-walton-rbos.html ...post 590 +1274...well pretty much all of it really

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/145114-dandd-rbs.html

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/56333-big-claim-aginst-rbos.html

 

most of the action is usually from the midlle(ish) onwards

 

 

Also my thread here.........>

 

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/84285-ccas-dave-against-world.html

 

rgds

 

Dave

Edited by davefirewalker

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Dave, I just started reading the first thread you mentioned. How arrogant of the FOS and BCSB! Just shows that these old boys clubs are pointless, toothless wastes of space, time, and particles! Although I have yet to read about any court bias, they are still the way to go since they are supposed to uphold laws rather than the old boys clubs who looked the other way while the banks screwed up the economy.

 

FOS and BCSB should be shut down and replaced with proper regulators which understand and help to enforce law rather than cosying up to the greedy wunch of bankers.

 

Unbelievable that he lost and that they relied on the meaning of "embodied". Luckily, my application form from MBNA which they supplied to me in response to my CCA request does not even refer to the Ts&Cs specifically.

Edited by fleeced_by_rbos

I wonder if MBNA are the new Enron :roll:

 

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Hi i might be in the wrong threed completely but i have several credit cards and a loan i do also have orig agrement for loan the cards are as follows Barclays gold card which am on payment plan orig amount credit limit £4000 however with late payments and over limit fees was considerabley more have been on payment plan with them sometime aprox 4 years orig paying £64 per month now £38 interest frozen however have started to get late payment charges again other cards include marbles recently sold to SAV(Hbos) have been told that they may owe me money orig in 2004 got letter stating arrear 430 pounds aprox less then 500 anyway intrest frozen several years latter after reciving no statments for over 12 months gone up to nearly 1300 pounds also had old MSDW card sold to Barclays still excepting orig payment plan of 15 a month however as standing order sometimes misses dead line date and get charges had egg card sold to csl pay these aprox 30 pound per month orig amount became over 5000 with default charges no comunication with csl for over 6 months mind you have moved and just do online transaction every month to pay them the other is a LOAD TOOK OUT IN 2000 OR 2001 AMONT BORROWED 9400 RECENTLY DISCOVERED BEING CHARGED PPI ON THIS OF APROX 1300 POS MORE CURRENTLY PAY 50 PER MONTH AND STILL OWE ABOUT 4200 HAVE ORIG AGREMENT FOR THIS AND LAST MONTH THEY SENT ME A STATMENT OF ALL PAYMENTS MADE AND OUTSTANDING BALANCE PLEASE COULD SOME ONE HELP AS I WOULD LOVE TO TRY TO GET RID OF THESE BILLS SO AS I ACTUALLY HAVE MONEY FOR ME A MONTH THANKS G

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Welcome to CAG gaza.

 

Can I suggest that as you have several companies involved, you start a new thread for each in the appropriate forum eg. Barclaycard for BC. That way you can list the details individually & get help from others who have experience of the specific companies?

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I'm interested in the CCA process (not even sure that's what it's called!) where debts can be written off if the contract is unlawful.

 

I have a loan that was taken out in mar/apr 08, is there no way that the process will work for this debt?

 

Also could you tell me if bank overdrafts and secured home loans can be challenged in this way?

 

Thank you.

 

Debts aren't written off because they are unenforceable. They may be written off it the creditor doesn't want the hassle of chasing an unenforceable debt, as the "power" behind the agreement has been lost, or doesn't want to pass it to a DCA that specialises in unenforceable debt collection. (There are some right expert companies out there that do this!)

 

All the "CCA process" achieves is confirmation of whether an existing debt is enforceable or not. Don't believe the hype that unenforceable debt = debt written off - that, IMHO, is a very clever marketing tool used by credit agreement write off companies. This doesn't work like that in practice.

 

Overdrafts are definately challengable - although it's a long haul to get there. There are some links in my sig that will help you here, or you can read this when you have a few spare hours;

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/110184-car2403-barclays-bank-default.html

 

Secured loans covered by the CCA are also challengeable, but you have to weigh up the options - if you're in arrears, is it in your interests (considering the interests of your lender) to challenge it in this way? Secured debts should and are priority debts, whereas unsecured debts aren't.

 

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Was reading PT's excellent thread on why he considers the Egg agreements to be flawed, and one thing I noticed was that he mentions Egg do not state any interest rate for cash withdrawals/advances, and therefore the agreements are missing a prescribed term. It suddenly struck me then that GE money agreements (for store cards) do not provide this term either. With the old store cards, Debs, Mothercare, etc, it was possible to obtain a cash advance on the card, but there is nothing within the actual agreement that clarifies at what interest rate this type of transaction is charged. Any opinions appreciated. Magda

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T&Cs as a separate document don't comply with the CCA, all the 'prescribed terms' MUST be on the ONE document you sign as an agreement, else it is not properly executed.

 

Old boys or no, a judge CANNOT enforce an agreement that doesn't contain all the prescribed terms under CCA127(3) and 61(1)(a).

 

Under such circumstances a judge can insist a default on an agreement that is unenforceable can be removed and the credit file reflect that. Defaulting an account that is in dispute contravenes Data Protection Act s10(1) & s12(1). Permission to process data is only given by virtue of a valid credit agreement.

 

Oh .. and what 'fleeced by RBOS' said :D PS: Thanks FBR .. more grist to the mill m8 :)

 

 

If this is the case, how can my wife's Mint agreement be enforcable? It clearly states in the declaration that the general conditions applying to the card are set out seperately and what is above are the card details.

cca2mintenlarged.jpg

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If this is the case, how can my wife's Mint agreement be enforcable? It clearly states in the declaration that the general conditions applying to the card are set out seperately and what is above are the card details.

cca2mintenlarged.jpg

 

 

Sorry but that DOES look enforceable...

 

the first three terms include credit limit, repayment schedule and interest.

 

the rest of anything missing would only make it improperly executed.......

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Must admit this has always confused me.:confused:

What difference does it make if its improperly executed and is there anything she can do?

 

Not really....improperly executed, in reality means that they have to go to court to gain enforcement.....and they'll get it. However if you can show how anything missing has predudiced you, the court can re-open the agreement and you might get a reduction................ slim chance though

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Could someone please answer me a question. With regards to unenforceable credit card agreements ~ can we pursue this once a CCJ or charging order has been issued? Only when we obtained the CCJ/C.O. we knew nothing about unenforceable credit agreements so did not object to the debt. Thanks

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Could someone please answer me a question. With regards to unenforceable credit card agreements ~ can we pursue this once a CCJ or charging order has been issued? Only when we obtained the CCJ/C.O. we knew nothing about unenforceable credit agreements so did not object to the debt. Thanks

 

I believe you could apply to have the original judgement set aside, which if successful, would mean that the original claim reverts to the starting point again, and you then have a chance, 2nd time around, to defend based on the fact that the claimant does not have an enforceable agreement.

 

Magda

Edited by MAGDA
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HI are unenforceable agreements applicable when a ccj or charging order has already been issued please ~ is it worth us pursuing this. Thanks

 

If you defended and it was enforced, there's probably little you can do, as you have a small window of time to appeal.

 

If you didn't acknowledge the claim, however, you can probably get the judgment set aside and defend on the basis the CCA is enforceable.

 

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I have a bank loan agreement which states;

"You will pay interest on the same basis as set out above on overdue repayments, both before or after any court judgement. In addition you must pay us all other reasonable costs and expenses we incur as a result of you breaking this agreement or our seeking repayment from you. These will include;

 

for each letter from our collections department £20

for each letter from our collections agency £20

for each letter from our solicitors, £20

etc

 

It goes on to state;

"You have no right to cancel this agreement under the CCA 1974, the timeshare act 1992 or the Financial Services (Distance Marketing) Regulations 2004.

 

Firstly - Are the charges unlawful?

Secondly - Shouldn't there be a cooling off period or is that not for unsecured loans????

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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I have a bank loan agreement which states;

"You will pay interest on the same basis as set out above on overdue repayments, both before or after any court judgement. In addition you must pay us all other reasonable costs and expenses we incur as a result of you breaking this agreement or our seeking repayment from you. These will include;

 

for each letter from our collections department £20

for each letter from our collections agency £20

for each letter from our solicitors, £20

etc

 

It goes on to state;

"You have no right to cancel this agreement under the CCA 1974, the timeshare act 1992 or the Financial Services (Distance Marketing) Regulations 2004.

 

Firstly - Are the charges unlawful?

Secondly - Shouldn't there be a cooling off period or is that not for unsecured loans????

 

Is the above in red true ?.

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Dealing with Customer Service Departments? - read the CAG Guide first

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4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

If this was signed in the bank or on their premises it is quite possible.

The charges are of course B===cks

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi

 

Just to let you all know we received the 1995 T & Cs from one creditor (credit cards) but no copy agreement so have wrote to them stating account in dispute. 3 other creditors have failed to send anything at all so have contacted Trading Standards.

 

One of the creditors took my OH to court and it was not set aside, not sure how this one will work when it comes to unenforcing it?

 

Also we are on a DMP so not sure how to go about this enforcing thingy?

Edited by dreamer34
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Hi

 

Just to let you all know we received the 1995 T & Cs from one creditor (credit cards) but no copy agreement so have wrote to them stating account in dispute. 3 other creditors have failed to send anything at all so have contacted Trading Standards.

 

One of the creditors took my OH to court and it was not set aside, not sure how this one will work when it comes to unenforcing it?

 

Also we are on a DMP so not sure how to go about this enforcing thingy?

 

Not sure what you mean by the highlighted phrase. Has your other half got a Judgment against him registered by a lender? Presumably so from what you wrote in which case have you applied to have it set aside and failed? Or what?

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Not sure what you mean by the highlighted phrase. Has your other half got a Judgment against him registered by a lender? Presumably so from what you wrote in which case have you applied to have it set aside and failed? Or what?

Hi there

 

When my OH went to court we were not advised by Payplan that we could have the debt set aside, so it wasn't. (I did complain to Payplan for not informing us we could do this).

 

The debt was passed onto arrow global and then my OH received a Statatory Demand for Bankruptcy. The Judge said to my OH that it was a shame that he did not get advice before hand so we could have it set aside but we had never had this happen before. The judge said it was now down to the DCA to do what they were going to do next. I then wrote a huge complaint to the Solicitors acting for Arrow Global and the FOS whom are dealing with it, we have heard nothing since from Arrow Global.

 

Sorry to ramble on, we have not seen the credit file but am presuming that there is a judgement logged on it not sure.

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Dreamer, it might be a good idea to start your own thread. You will get more help that way. :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi, Sorry if this is in the wrong place!

 

I have a Lloyds TSB airmiles duo card (amex & mastercard), this was taken out after April 07, however when i applied for it i already had a Lloyds Credit card, which i think was taken out before April 07. I actually wanted the Airmiles Duo card in addition to the other Lloyds card, but they actually replaced it with the Duo card.

 

So, do you think it is worth trying to pursure this card or will they just say it was applied for and taken out after April 07? Thanks.

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Hi, Sorry if this is in the wrong place!

 

I have a Lloyds TSB airmiles duo card (amex & mastercard), this was taken out after April 07, however when i applied for it i already had a Lloyds Credit card, which i think was taken out before April 07. I actually wanted the Airmiles Duo card in addition to the other Lloyds card, but they actually replaced it with the Duo card.

 

So, do you think it is worth trying to pursure this card or will they just say it was applied for and taken out after April 07? Thanks.

 

Which date in April?

 

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