Scottish Widows Mastercard / Lloyds CCA Help

[Baz1994]

I previously requested CCA details recently and received a reply advising that due to high volumes of requests that they would respond as soon as possible.

 

12+ days have now surpassed - do I chase again giving them another 12 days to respond or is there another letter that I send regarding failure to respond ?

 

Cheers

[dx100uk]

nope

 

 

you stop payments

 

 

dx

[intend]

Yep - just stop

[Baz1994]

Yep - just stop

 

Cheers for replies.

 

Sorry but perhaps I should have been clearer regarding the situation.

 

A few weeks ago I came across some old Scottish Widows Credit Card statements from 1998

in which I had thought I had thrown out and they have PPI payments on them.

 

 

At the time I would have not needed the insurance for various reasons but I just couldn't locate details or when asked for, nothing could be found.

 

About a couple of months ago I sent Lloyds an SAR asking for everything including any Scottish Widows Card accounts

(as I did not have a/c details)

 

 

they responded that they had only Lloyds statements (different a/c number) from 2001 but again no agreement details.

 

I currently have a small repayment plan in place and the account is still open.

 

So hence as I had the SW account number, I thought I would first ask for CCA for any agreement or T & C's.

 

Sorry to sound stupid but what next ?

[dx100uk]

blimey a 1998 card

this will be some serious reclaim sum!

 

 

though sadly ofcourse, the balance will be cleared first if they do refund

though the 8% portion [minus 20% for tax] goes to you .

 

 

dx

[dx100uk]

ah...but have they sold the debt on?

are you paying the OC or a DCA mind.

 

 

dx

[Baz1994]

ah...but have they sold the debt on?

are you paying the OC or a DCA mind.

 

 

dx

 

Lol dx, I wish and yes I do realise that but I would be happy just to clear or reduce the debt.

 

I'm afraid its still with the OC.

 

do I just submit a PPI complaint for the Scottish Widows part with what I have ?

 

 

When the card was transferred to Lloyds, I was in some financial difficulty hence the arranged payment plan.

 

Lloyds could not provide agreement details but state in the SAR letter that they would not have opened the account without sight of a signed agreement ?

so I cannot see one being provided for 1998 but I thought that I would give it a go.

[dx100uk]

why cant you guestimate the missing years.

 

 

dx

[Baz1994]

why cant you guestimate the missing years.

 

 

dx

 

I can do dx so I will just submit a ppi complaint then.

 

I am sure I didn't ask for the insurance but do remember applying by post for the card. Anyway I had plenty of benefits through my employer at the time and other insurances so was never needed.

 

I have just found the RBS SW Welcome pack from May 1999 and inside is agreement details booklet and a Payment Protection Insurance booklet in which has been left unsigned and not posted by myself.

 

Sorry for another silly question but would RBS have any details prior to Lloyds taken over the account ?

[Baz1994]

also on checking the Card Payment Protection booklet details, there is no mention of costs just the usual, I am over 18 but under 65, in full employment etc.

 

But like I said earlier, application is still in-tacked and was not posted.

[dx100uk]

good evidence then!

 

 

unsure on who will have the statements you don't have.

 

 

dx

[Baz1994]

good evidence then!

 

 

unsure on who will have the statements you don't have.

 

 

dx

 

Well I would like to think so and I also have a copy of my employers contract at the time advising sick pay, redundancy cover, death in service and critical illness cover.

 

I have also found an old letter from RBS Scottish Widows Cards Ltd - Registered Office:42 St Andrew Square, Edinburgh. Does anyone know if this address still exists ?

[Baz1994]

Rather than start another post I just want to say that I am now back onto this complaint lol after sorting some other priority complaints.

 

Has anyone else submitted the same PPI complaint re Scottish Widows ? Should I send a CCA request to RBS ?

[dx100uk]

what would a CCA prove an sar doesn't?

[Baz1994]

what would a CCA prove an sar doesn't?

 

True dx

 

Shall I just specify this particular card ?

[Baz1994]

And what address shall I send it to ?

 

Thanks

[dx100uk]

rbs I would assume...

 

 

dx

[Baz1994]

rbs I would assume...

 

 

dx

 

Cheers dx

 

Will advise their response once received.

[Baz1994]

rbs I would assume...

 

 

dx

 

Apologies but back to this one again as had to leave due to more urgent issues.

 

Please can someone kindly confirm the latest RBS and Lloyds TSB SAR addresses thanks.

 

On checking a Dec 2000 statement there is a footnote advising 'as a result of the merger of scottish widows and Lloyd TSB, the name of the company providing your scottish widows credit card is changing from RBS Scottish Widows Cards Ltd to Scottish Widows Cards Ltd' ?

 

Cheers

 

baz1994

[Baz1994]

Bump anyone

 

Thank-you

[dx100uk]

have a look in the stickies of the named bank forums from the top main forum tab

 

 

dx

[Baz1994]

I originally had a SW Mastercard account opened in December 1997 in which Cardholder Protection Plan was automatically added.

 

The account was closed and paid up in April 2001 due to the merger of Scottish Widows and Lloyds TSB.

 

I previously sent Lloyds a SAR and CCA request in which they responded that they had no details for the account. I located various statements and the original uncompleted postal application form for PPI.

 

Submitted PPI mis-sale complaint 18/10/15 with completed questionnaire including statements, insurance details and other documentation evidence.

 

Today I received the following rejection letter with no explanation apart from that they have checked their records and does not show that PPI was paid on this account ????

 

Is this the usual Lloyds response ? How can they refer to records in which they originally stated they did not have as per my previous SAR ?

 

Thank-you for any advice what to do next.

[dx100uk]

Then tell them so

 

In my sar return of date

You clearly stated you had no records, yet now you state otherwise.

 

Which is correct please?

 

In my original complaint l forwarded you from my records evidence that the account did have PPI, so unless these are fake, how can you thus reject the complaint?

[Baz1994]

Then tell them so

 

In my sar return of date

You clearly stated you had no records, yet now you state otherwise.

 

Which is correct please?

 

In my original complaint l forwarded you from my records evidence that the account did have PPI, so unless these are fake, how can you thus reject the complaint?

 

Thanks dx

 

Looks like the usual generic fob off letter when reading it again.

 

Anyway I just called Lloyds PPI (don't usually as always correspond in writing) as I was annoyed with their brief response.

 

Well I wish I had recorded it as the person I spoke to did not have a clue.

 

I asked for confirmation of receipt of questionnaire and supporting docs including statement details. They said all received so I asked why my claim had been rejected in which they responded that no insurance was added to the account ? I then asked that they look at two random statements and confirm certain amounts added and description.

 

They replied one amount for £5.72 and another for £13.31 in respect of cardholder protection plan ?

 

I said thank-you and that I will be responding in writing.....and goodbye !