Domestic Violence now left with Major debt - all in my own name

[dx100uk]

so ONE has had a CCA return.?

you've not scanned the actual CCA up?

dx

[Feelingdownandout]

Hi DX

 

Yes, the Credit Card account (lloyds) have returned the CCA , about 50 pages of CCA!

 

No CCA's for the Overdrafts as you already suggested they might not send me anything!

 

do you want me to scan it all?

 

or are there any relevant sections?

 

it is a peculiar document because there are two of:

Part A Credit Card Agreement (7 pages).  The first one has the tick box on it and a date of 04.09.20.19. 

 

The second document entitled Part A Credit Card (4 pages)  agreement Says - Lloyds Bank Credit Card Terms and Conditions - Customer Copy - Backbook Customer Copy Template - LRST01 non BRL. 

This document is duplicate except that it has NO tick box or date.

 

There is a Part B - Additional Important Terms - 15 pages

 

Then another Credit Card Agreement Regulated by the CCA 1974

Part A - printed on the top of the first page states New Customer Template - LRST01 Non BRL , no tick boxes or dates on this document and

 

then another Part B document undated.

 

Hope this makes sense, I can scan if needed ?

 

 

[dx100uk]

we dont need statements

but certainly anything anyone sends purporting to be a CCA return inc Terms and conditions

else how can we check its ever enforceable?

 

 

[Feelingdownandout]

they didnt send statements, they only sent CCA documentation, let me scan it.... 

 

[Feelingdownandout]

CCA.pdf

 

Hello, attached PDF with the info that link sent to me.  There are a lot of pages - I have removed my name / address etc 

 

 

[dx100uk]

and all on link headed and footed sheets

 

anyone can get a copy of that its even here already in other pdf's and type your name and address for the time of opening on to it.

 

its bogroll

 

dx

 

[Feelingdownandout]

I'm confused? I don't understand?

[dx100uk]

what do you not understand?

if all that actually came from lloyds why is is not on lloyds letterhead and footers,

 

 

 

dx

 

[Feelingdownandout]

Link are claiming this CCA is the original, and therefore the debt is now enforceable.

 

I agree with you totally that it should be on Lloyds paperwork and not on link, as if it has just been printed.

 

On what basis do you think its 'bogroll'  

[dx100uk]

was there your typed name by that tick box?

and there is no IP address either?

 

they are claiming that is an original copy, not a reconstruction so must have those.

 

simply getting those documents from somewhere, and typing your name and address where necessary does not ever meet the requirements of an enforceable consumer credit agreement.

 

i will bet your details are a differing type face form the rest of the typing and probably not even properly aligned. 

 

dx

 

 

[Feelingdownandout]

OOOHHHH ok, I hadnt considered the type face, I will check when I get home and revert back.  not sure what you mean by an IP address is? 

[dx100uk]

it says it was an online signup?

so what machine was used, and where, thats determined by the IP address of the device used.

no proof without one IMHO.

 

just put a tick in that box on your fakery Link, the mugs will believe you...

[Feelingdownandout]

Thanks DX

Can I just check with you - 

where on the documents would the IP Address show?

 

Having checked the documents address type face - on Part A the font looks the same. (page 1), the type face on the first 6 pages is consistent.  However from page 7 onwards the font size is different - there appears to be four different sizes of font?

 

The document headed New Customer Copy Template - Lloyds Bank credit card Conditions - Customer Copy, my name & address appears, again in the same font as the ret of the document, but I notice that the number -1- on the page has shifted right and isn't consistent with the other 5 pages?

 

Again, the back end of the document is different again, not consistent at all.  two parts of the entire document are 'clean print' the rest is different. 

 

Maybe I am grasping at straws, but would appreciate your thoughts on its validity? and whether or not it is in fact enforceable and what happens next? 

 

 

And NO my name was not typed by the tick box. 

 

The page you see is the page they sent 

 

[dx100uk]

even if these are not fabricated by link,

 

there are three ways they can reply to a CCA request depending upon how the agreement was attained.

 

1.

if taken out online

produce a copy of the original agreement,

to be enforceable that needs to have

 

some form of recorded online sign up, that evidences/proves ...

who signed up

when they signed up

where they were at the time

a tickbox with their name next to it

 

all the above must be in the same section as the tickbox

 

2. 

if not taken out online

then the agreement must have been physical signed.

so only copy of the original agreement with your signature will do.

 

.............

 

reconstructed agreements

 

a debt buyer can reply with a 'made up' reconstruction of what the agreement looked like, but as with all the above, that should idea come from the original creditor but they can make it up of parts.

it does not need to have a signature tickbox or otherwise.

 

however as this is a 2019 sign up i would be very concerned if link had tried this recon get out.

 

........

 

dx

[Feelingdownandout]

Hi DX

 

the only thing that is there is as you see it. 

 

Can Link enforce this?

if so what would my next steps be? 

Clearly they have provided what they believe to be the 'original agreement' from Lloyds. 

 

Edited December 18, 2022 by dx100uk
unnecessary previous post quote removed

[dx100uk]

link can't enforce anything

 

only a judge can do that

 

dx

 

[Feelingdownandout]

ok, understood. 

 

Based on your experience and what you have seen that has been provided by Link (albeit on their own letterhead), and without the data you referred to in point 1, do you think that a judge would enforce it?

 

Link will clearly try and take me to court to obtain a CCJ....

 

Another point to note, is that I was forced to take credit from by my then Partner.  So Financial coercion and financial abuse forms part of this situation. 

[dx100uk]

based on your experience of being here for +10yrs now, i would expected someone to have gotten out of the nursemaiding stage and learned to go beeping read like threads and make you own decision rather than always panicking.

 

sorry had to be said. enough time has elapsed from your initial issues detailed here.

 

CAG is predominately self help.

use our enhanced google search box.

 

stop panicking....there is seriously no need to do so when the consumer credit act is involved...

 

dx

 

 

[Feelingdownandout]

I understand, just that sometimes it is good to get that sense check

[dx100uk]

which i have already given....

 

it is telling that an original creditor, a multi million, international lending company, chose not to try enforce and get an obvious crush you win against you in court, but chose to sell it on for pennies. Link are also subject to such wonderings....

 

On 15/12/2022 at 10:42, Feelingdownandout said:

Another point to note, is that I was forced to take credit from by my then Partner.  So Financial coercion and financial abuse forms part of this situation. 

 

the more evidence you have of this, the further any DCA will distance themselves from further compounding your issues.

 

you to a DCA are solely a line in a spreadsheet, the automated PC system, spew out their automated letters, 85% of mugs think a DCA is a bailiff with magical powers and wet themselves and blindly pay. they get no paperwork upon sale and expect most to capitulate and blindly pay. 

 

when someone questions them, they go into panic mode and have to prove their scamming letters are backed up by an enforceable agreement.

 

 

 

 

[Feelingdownandout]

Thankyou, you have helped to calm me down and get things back into perspective. 

 

They still havent responded to my respects in the response to their LOC!

[Feelingdownandout]

I have kept the charge sheet that 'he' was issued with, along with the details of his arrest and the bail conditions (detailing that he is not allowed to go near me), and also a letter from Shropshire Domestic Aid, detailing the physical, emotional and financial abuse.  I also have a raft a photos that clearly show my bruises, as well as that my GP is aware. 

 

I have told PRA about this and they have asked me a variety of questions as well as asking me for the details of my GP...

[dx100uk]

Those will be useful to send to link if they get silly 

 

Dx