Wescot/LLoyds ...Credit Card Agreement

[cherroo]

Hi

Please someone advise me on my situation.

 

I am paying Westcot every month for my credit card with Lloyds.

 

I have requested my original agreement and Westcot informed me that while Lloyds dealt with this

I didn't have to pay until this was resolved.

 

Wescot has now written to me explaining that Lloyds are not obliged to produce a copy of the application as the account is over 6 years under the Consumer Credit Act.

 

Wherer do I go from here?

 

it took 3 months to get this far so obviously they can't find it.Any help would be appreciated.

 

Thanks

[ims21]

That is nonsense.

 

All the time there are sums due and payable under the agreement then it must be supplied (or a reconstituted version).

 

If Westcott are after the payments then it is they who must supply the documents.

 

Tell them that you are not paying until they provide acceptable documents.

 

Do Westcott own the debt or are they collecting on behalf of Lloyds?

[firstship]

Westcot are talking rubbish.You say you requested the original agreement,don't mess around with Westcot send a formal request to Lloyds,letter in site file send with £1 fee and send recorded delivery.they have 14 days to respond.

 

It appears that Westcot are only acting on behalf of Lloyds,or have they at any stage stated they Westcots own the debt?

Does the debt appear on your credit file?

From your statements have there been charges of any description,is there any PPI involved? Are you paying interest?

 

Regards FS

[cherroo]

HiThanks for replies.Originally

 

I CCA'd Lloyds and they sent me a letter and a reconsituted version which enatailed terms and conditions only

and they said there is no requirement under the CCA to provide me with a copy of the original signed agreement.

 

And that they will endeavour to locate it but they would not have opened it for me without a signature.

 

I wasn't happy with this so

 

I contacted Westcot who said we will contact our client and put your account on hold.

 

Now the recent update is my previous post.

 

I pay no interest or charges and the account has only been passed to Westcot not sold.

 

I do not know about PPI but this was one of the reasons

I wanted to see the agreement to see if I had taken it out or not.

 

How will I reply to Westcot ?

[citizenB]

Can you either post up a copy of the letter you were sent or type it out word for word (minus any personal stuff)

 

That way we can help you respond accurately. Follow the instructions below to post up a copy.

 

 

Dx100 – Instructions on uploading pdfs

Scan the required letters/agreements/sheets

as a picture file

remove all personal info including barcodes etc. using paint

but leave all figures and dates.

Go to one of the many free online pdf converter websites

convert the image to pdf format.

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

open a new message box here

hit go advanced below the message 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

NB: you can set where it goes in the post by hitting insert inline.

Then hit reply button

 

 

The bottom line is that they are obliged to provide you with either a copy or a truthful reconstruction of the agreement.

They are also to provide with the above, a statement of account and terms and conditions from both inception and at the time of default along with any variations.

 

To say that because the relationship is more than 6 years and they have no need to provide you with either, is disingenuous and one of the things you would need to ask is what legislation are they relying on ?

[dx100uk]

oh dear wescot up to their fleecing antics again?

 

so does this money you've been paying them

actually show on any statement Lloyds have been sending you?

 

this is ofcourse assuming that other regs have not been brokenhere

 

like you must be getting a statemen better than once in 12mts?

 

time to SAR Lloyds me thinks.

 

I take it this does not show on your CRA file either?

 

dx

[BRIGADIER2JCS]

What EXACTLY is contained in the 'reconstituted' agreement please?

[cherroo]

The agreement consists of Asset advance Conditions..it has my name on and my old address .. no application form or signatures.I am going to upload a photo of the letter they sent in April with it.Bear with meThanks

[BRIGADIER2JCS]

A reconstituted agreement MUST have the following data:

 

1. your name and address at the inception of the account.

2.the name and address of the creditor at inception.

3. T&Cs at inception and closure and documents mentioned in them.

4.any amendments made Ts & Cs during the life of the agreement.

A statement of the account.

[cherroo]

Hope i have attached it correctly.

[cherroo]

I have recently received another letter from Westcot explaining that their client does not have to supply any agreement because it is over 6 years old.

[cherroo]

Not sure what a signed statement is but I have nothing signed within the papers they sent me. I do have a balance of when the account was signed off and the date.Thanks

[BRIGADIER2JCS]

The 'statement' refers to the amount outstanding at the time of your request, what you have is the signed statement.

 

For clarification please.

 

1. Does this appear on credit reference files:

2. When was the last payment made to any party regarding this, has there been any written acknowledgment of the debt.

[cherroo]

Thanks for replying.

I have no idea if on Credit file,

 

I was paying every month without fail to Westcot for the last 15 months.

 

Last payment was June and Westcot explained because the account was in dispute that my account was on hold.

 

Wescot have in fairness kept me up to date with our agreement,

 

they send me correspondance regarding my repayment plan with them.

 

I just don't know what to do now, intially I wanted to see the agreement to find out anything about PPI.

 

Hope you can advice me on the next step

 

thanks

[cherroo]

Sorry meant to say, I am with Westcot now but I was on a 9 month arrangement with Lloyds but after that period ended they informed me that the account was in default so needed to be dealt with by Westcot. I then entered into an arrangement with them .Hope that helps.

[dx100uk]

in otherwords wescot have been fleecing you.

6yrs ... oh dear that's a new one wetcloths.

 

upload as PDF not just a picture

 

dx

[BRIGADIER2JCS]

You really should check your CRA files!!

[dx100uk]

:lol:

 

time to SAR Lloyds me thinks.

 

ASAP

 

dx

[cherroo]

DXCan you explain why they have been fleecing me? Not sure what you mean, been paying Wescot for 15 months , no interest, all payments coming off balance.Thanks

[dx100uk]

so who says you owe anything

 

you've posted 33 times on cag

 

we demand you pay us £10 for every post please........

 

is this debt on your credit file

when did you take the card out

why did you have to set up a payment plan with Lloyds

why did they refer it to wescot if you were already in an arrangement.

 

dx

[BRIGADIER2JCS]

so who says you owe anything

 

you've posted 33 times on cag

 

we demand you pay us £10 for every post please........

 

is this debt on your credit file

when did you take the card out

why did you have to set up a payment plan with Lloyds

why did they refer it to wescot if you were already in an arrangement.

 

dx

 

 

:lol::lol: