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Lloyds overdraft dispute, SCM solicitors


apocalypsedreams
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Lloyds have sent a "formal demand" from SCM regarding an overdraft. In another piece of correspondence with Lloyds I demanded proof of my agreement to overdraft charges and received a reply that stated "we do not hold a signed contract as we do not have an obligation to do so". They are still adding charges and interest.

 

I am drafting responses now and am considering CCA and SAR requests. Advice is gratefully received.

Edited by apocalypsedreams
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waste of time

 

OD's are not covered by the CCA

 

SCM are lloyds

 

are you on benefits.

 

have you looked at BCOBS

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?353395-Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits

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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if the charges are since 2009 still unfair under bcobs

esp if they know you are in hardship

 

dx

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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Share on other sites

The charges are since 2011. Which part of the BCOBS are you referencing with regard to that? Is it:

 

Dealings with customers in financial difficulty

 

BCOBS 5.1.4

01/11/2009

Principle 6 requires a firm to pay due regard to the interests of its customers and to treat them fairly. In particular, a firm should deal fairly with a banking customer whom it has reason to believe is in financial difficulty.

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