Llyods bank response to sar,cca request

[Juandy]

Lloyds loan managed by Cabot.

Sent sar to llyods and cca to Cabot.

Cabot replied getting in touch with oc and would forward any information. 

 

Today received loan statements on Lloyds letterheads detailing opening balance of loan, interest rate and term of agreement and a final balance which says referred to Lloyds bank recoveries. Is this a cca agreement.

 

There was no accompanying cover note just the statements. 

[dx100uk]

the loan is not managed by Cabot

Lloyds SOLD the debt to them.

 

who's the return from?

 

[Juandy]

Not 100% sure received 4 separate letters today each containing statements for personal loans all on Lloyds letterheads with the final loan statement the one held by Cabot. No cover notes with any letter just statements 

[dx100uk]

return address? sounds like this is from lloyds as a result of the sar, so you won't get the agreement.

until/unless cabot send any bogroll yours is not the next move.

 

dx

 

 

[Juandy]

No return address, just statements, but also had cc and od with Lloyds and as of yet no returns regarding them

[Juandy]

Sorry just realised return address is address in top right corner.  

So can confirm that it is Lloyds bank 

[dx100uk]

On 13/05/2021 at 19:45, dx100uk said:

until/unless cabot send any bogroll yours is not the next move.

 

dx

 

 

 

[dx100uk]

ive hidden your post as what if cabot copy that and send it too you.

 

you left sig showing...

[Juandy]

Thanks, what should I do now, will they not get that doc now from oc

[dx100uk]

yours is not the next move.

once they fail the 12+2 working day limit pers i'd cease payment.

[Juandy]

They have failed the time line and I have already ceased payments. I have just been through rest of sar and similar doc exists for cc.

[dx100uk]

well what you hold you keep to yourself...

[Juandy]

Ok, but Wont the dca get them from oc.

Sorry if I'm not quite getting the grip of ot all, but it is a bit worrying. 

Thanks for all your help and advice again dx

[dx100uk]

the debt owner must hold and produce at least, the enforceable agreement, a valid default notice and a valid Notice of assignment to even think of litigating a debt.

 

don't forget they have no more legal powers than you or i if we think someone owes us money, launch a court claim.

[Juandy]

Cheers for reply, reassures me.

Fingers crossed, let's see what happens 

[Juandy]

As regarding sig. They probably already have them from previous correspondence. Is that a major problem 

[dx100uk]

why are you signing letters to any DCA?

 

 

[Juandy]

Didn't realise at the time. Cover letter with financial statements were probably signed. Initially dealt with citizen advice ,they had standard template letters which were possibly also signed. Is this serious bad news.

[unclebulgaria67]

Not really.  There were some previous reports that DCA staff were copying signatures from letters and adding them to blank CCA documents.  Of course this would be dodgy legally and any DCA that found staff doing this, would have to fire the staff for gross misconduct.

 

Some people sign documents over rows of type such as abcabcabcabcabcacb.   If you signed over a row of such type, if anyone tried to copy/paste your signature over to another document, they would also pick up the abcabc's that were showing.

 

 

[Juandy]

Sorry, your advice is invaluable, so basically with all the dcas I have ceased payments to just wait with a response from them

[dx100uk]

if they've failed the CCa time limit or if the debt is a very historic OD debt yes.

get yourself out of any DCA milking parlour useless cab signed you into.