No original agreement of debt causing stress after bereavement of child please help

[Guest]

they could prob id it as well, if they wanted to, re the date and specific amount shown!?

[didnotknow]

Sent request for Consumer Credit Act 1974 it has now been more than 12+2 days not heard anything what do I do now. ?

please any advice would be helpful and i also would like my £1 back

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

[didnotknow]

Thank you very much I will send tomorrow

[dx100uk]

gotta be toxic as moorcrap are offering a discount

 

an sar might be interesting too

 

to Lloyds that is.

 

dx

[Guest]

yes, do that sar asap dnk

[didnotknow]

Please help had this as a response to my Consumer credit agreement request section 77/78.

I never said to use the £1.00 to pay towards the loan that i have not got so what do i do now?

[Old Cogger]

Please help had this as a response to my Consumer credit agreement request section 77/78.

I never said to use the £1.00 to pay towards the loan that i have not got so what do i do now?

 

 

no wonder this country is in a mess with idiots of a bank and also the same with this government.

They are in default of your request and cannot do anything about the account in question to enforce anything until they comply.

 

Stern letter needed to them stating the £1.00 was the statute amount for a CCA1974

Request with a 12+ 2 deadline,

no mention to you regarding a loan account amount to pay in,

any further misdirecting request will result in a formal complaint to the Regulator. signed xx x x xxxx

 

also refer or even send copy of your CCA1974 request, recorded delivery.

[Guest]

wonder if they've sold it? they've recently sold a batch. or maybe the wrong a/c number? or the payment got separated? not sure. did they return the quid? anyway, as said above, its not a payment 'into' anything, it is re a statutory request

perhaps do give them a call? see what they say.

[didnotknow]

Thank you for your reply will send stiff letter on Monday

 

Defiantly not been sold on i think they deleted all the records in 1998 due to them acting illegally due to mental health problems as we were unfit to deal with our financial affairs but unfortunately for the bank i still have evidence.

 

Lloyds TSB have refused to answer any of my questions so far.

 

I know Lloyds TSB are reading these posts just to let them know this complaints going to go all the way and refusing to answer my questions is just showing you up for what you are

[Guest]

they have been known to look in on cag! sad on them for doing so, they can't get their own affairs in order, so they have to look in on consumer forums!

ok, do a letter see what they come back with.

[didnotknow]

Please see a letter which i wil be sending Monday if its alright.

Rang them for a reference number to send complaint to no reference number as it was never logged.

 

 

your reference number xxxxxxxxxx

This is a prime example how i was treated when my daughter was dying of cancer even though the bank was informed of our mental health problems as we were unfit to deal with our financial affairs.

Why does the bank keep misdirecting me?

Also refusing to answer any of my questions?

You are supposed to be treating me with respect and courtesy which you are not.

P.O box 43 Peterlee County Durham SR8 2YQ

This is where you sent my request to for a CCA1974 Request with a 12+ 2 deadline, (which has now expired)

the authorities being informed.

Edited August 3, 2013 by didnotknow
dont want bank to see it

[Guest]

when you rang, did they say what their letter was all about?

nudge others to have a look in re your letter draft.

[didnotknow]

Only the service delivery manager sent the reply and there is no records of them receiving or replying other than the manager who replied as there are no records on their system which does not surprise me the manager does not work saturdays.

 

One good thing they stamped the request with their stamp and returned it with the letter

 

As usual they tried to hide any evidence of anything at all will be interesting when i receive or if the Subject Access Request turns up.

[didnotknow]

Sorry i have deleted the image of the letter due to lloyds tsb finding it as if they have no records of the letter they wont know what the reply was so the idiots are going to hang themselves because its obvious they don't know the regulations.

I think it would be best not to inform them of their blunder so when it goes to the authorities they wont have a clue and will look like complete idiots.

[didnotknow]

Forgot to mention they sent me my £1 postal order back so i will have a drink on them

[didnotknow]

just posting up a letter ive sent to lloyds tsb not holding my breath for a response have had nothing so far from customer care it seems a 1 way discussion with them but im sure they will when it goes to the ICO and the Ombudsman has anyone got any idea why they don't answer to my mail even though it is all sent recorded or have they all gone on holiday

 

This is an official complaint

 

I am now requesting a Senior manager to deal with my complaint as i believe that you are not capable of dealing with my complaint fairly and truthfully please let me know if you are refusing this request if the bank has no one or does not want to deal with this complaint i am more than happy to go to the ombudsman and the ICO.

 

The FSA Conduct of Business Source book rules make it illegal for your bank or your credit card issuer or your lender to treat you unfairly.

It should be noted that banks cannot act illegally either by treating you unfairly directly - or through their agents.

 

I am asking for my questions to be followed by a simple answer so it would be eligable for myself. If you are not willing or able to abide by this request please let me know in writing,within 14 days If I do not hear from you i take it you are accepting this request.

 

Why does the bank keep thinking we are idiots?

 

Why does the bank keep misdirecting me?

 

You are supposed to be treating me with respect and courtesy which you are not.

 

Durham, This is where you sent my request to under CCA1974 Request with a 12+ 2 deadline, (which has now expired) which is a legal request.

The reply from the manager No mention to you regarding a loan account amount to pay.

 

I also contacted the department on the letter and they have no record of receiving the letter or the reply they sent.

Please see the reply letter you should already have.

 

I am also requesting another copy of the original reply and also a copy of the original request i made under CCA1974 within 14 days.

If you have not got the original reply and also a copy of the original request i made please explain why.

 

Due to the CCA1974 Request with a 12+ 2 deadline having past the reply will stand as the official reply to my request.(In my opinion is a clear defaut of the request)

Lending Code March 2011 Section 178 onwards.

 

when a debt is reasonably queried or disputed, failing to investigate and/or provide details (possibly including, for example, details of account history, payment schedules and relevant correspondence) to the debtor, as appropriate, in a timely manner or at all.

 

Due to the banks actions i am now having to make a complaint about the way i am getting treated now from the customer care department,Is this why we are getting refused access to a manager ?

This is a prime example how we were treated when our daughter was dying of cancer even though the bank was informed of our mental health problems as we were unfit to deal with our financial affairs.

And my original complaint (dispute) has not even started yet.

 

All replies in writing.

 

I would like a reply within 14 days.

 

Please read all my letters correctly and carefully without skipping through them.

[Guest]

seems ok dnk. see what they come back with.

whether they will address ALL of the issues remains to be seen. afaik, they don't often do so. only what suits them.

one poss reason why they aren't responding could be due to their 'final response' policy. have they sent one of those? basically where they say that they will not comm further, take it to the ombuds.

[didnotknow]

This is an image of the first letter they sent me and they have never sent me anything since even though i sent a letter with 3 issues on the only thing i have heard is from different departments 1 from durham which was for CCA1974 Request and also a reply from the dsar team.

they will have no alternative but to answer the questions as i have requested.

I am asking for my questions to be followed by a simple answer so it would be eligible for myself. If you are not willing or able to abide by this request please let me know in writing,within 14 days If I do not hear from you i take it you are accepting this request.

The chances of a reply within 14 days is very unlikely so the request above would have to stand unless they want to be in default of that as well.

Edited August 6, 2013 by didnotknow

[Guest]

ok, is with the ombuds. loyds ask for you to write, which you have done. see what they come back with. if they don't reply, inform the ombuds accordingly? inform the ombuds anyway of their letter?

btw, what was the ombuds letter that they received? if it is all now with the ombuds, maybe best to communicate with the ombuds only? let the ombuds deal? see what others think?

Edited August 6, 2013 by Ford

[didnotknow]

The bank would not communicate with me at all so i contacted the ombudsman and they instructed the bank to deal with alll issues the ombudsman informed us that they would probably take the case up if they did not do as instructed or 8 weeks passed from the letter.

[in the corner fighting]

Keep going and stay strong, I love the I know nothing bit in their letter. "providing information about what your concern is about"

Good luck and dont let the b**gers grind you down. The only practicle help I can give is when they finally get the noose around their necks I would be glad to kick the steps away for you!

[Guest]

yes as if they don't know!

[didnotknow]

When i contacted the Durham department i quoted this.

Due to the CCA1974 Request with a 12+ 2 deadline having past the reply will stand as the official reply to my request.(In my opinion is a clear defaut of the request)

[didnotknow]

So how can they say its out of their control when the issue is the reply they sent me