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In Court Friday LLoyds credit Card T&C's Check please.. **DISCONTINUED**


jackreacher
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I I have an alleged credit card debt with lloyds totalling nearly £10,000.. Dating back to Jan 2003

 

I got into trouble with the repayments and agreed a lesser amount that I started paying without missing a payment.

During this time it was taken over by BLS collections.

Which surprised me!

 

I did the 3 letters and the 4th and now it is back with lloyds. Taken over in House by SCM?

 

I received no default notice..

this is admitted by lloyds but as proof have enclosed a copy of the Banks computer record.

 

This shows one was made on the computer in Feb 2011

 

They claim in the POC they can not reproduce another and I find this hard to believe.

So How does this affect my case?

 

I have received No termination letter although they state the account was closed July 2011 . Non In their POC

 

I have received no notice of assignment.. Non in their POC

 

I have made a counter claim .. however in their defence of the counter claim they refer to the enclosed agreement dated 1997 Not at all the same agreement date as the claim which was 2003... It was not even enclosed.

 

 

 

 

The only exhibits are (1) agreement dated 2003 (2) T&C's (3) computer record showing default notice

 

I would be grateful for all and any help..

 

regards jack

Edited by jackreacher
my mistake

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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BLS are Lloyds as are SCM their legal wing.

 

they don't have to produce a DN

only what they have said, record it was sent.

same for the TN.

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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they don't have to give a NOA as its all internal companies

 

was there ever a 6yrs period of no use or payment.

what is your counter claim.

 

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

those T&C are the correct ones

 

wheres the second T&C's sheet detailing charges [penalty] etc

 

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... 

Link to post
Share on other sites

There are none.. nothing else in their claim that is it..

 

Only the 3 documents.

 

Every part of which I have shown in the links above.

 

In the counter claim it refers to

 

an agreement dated 1997 and

goes into details of those T&C's

but non are provided neither is the agreement.

Edited by jackreacher
wrong information

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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No Default notice.. not even a copy??

 

Just a document saying one was raised.. see 1st post attachments : computer records of DN

 

Any views on the fact they have used a alleged 2003 agreement in their claim

 

and a alleged 1997 agreement in their defence to the counterclaim??

 

Thanks... Jack

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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imo you wont get anywhere on the dn argument, did you ever make a cca request for this ac?on what grounds did you counterclaim?

PLEASE HELP US TO KEEP THIS SITE RUNNING

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counter rclaimed on default charges etc

 

I also need an opinion on the T&C's.. attachment in the first post.

 

Just this one page was all they included.

 

I have also defended on the grounds the amount must be wrong

as I have had the account so long and reclaimed nothing.

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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Guest Angel235

Just to let you know you can see all you details on the agreement

 

So what hearing have you got Friday?

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Attachments in post#1 unapproved please cleans properly and re post.

 

 

Regards

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Prob too late anyway

 

 

Too late for what?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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Guest Angel235

Well we all know that all the banks have people looking at these forums and that agreement has been up a few days now

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attachment sorted

 

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... 

Link to post
Share on other sites

only 6 people viewed it 3 were siteteam

others were seasoned old members

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... 

Link to post
Share on other sites

Ok Just been putting some effort into this.. On my agreement dated 2003 the right to cancel is illegible.. All you can see and contained is the words right to cancel and then nothing.

 

Has anyone got case law or any info that I can use on theis.. Many thanks

 

Jack

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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