CCA to Lloyds tsb Visa

[madh21]

Hi. I sent the request in April!!!!!

[shane5408]

ahh yeah i see now, didn't read your previous posts fully.

 

When they replied to your SAR and CCA and sent a copy of the application form did you notify them that they have not complied fully and that the app form is not an agreement? Wat I'm getting at is that in their eyes they assume they have complied and as a result the dispute is over unless they told them otherwise.

 

it would be useful if you could post up a copt of the agrement and t&c's so i can check if it is legally enforcable or not.

 

Also, if they do record a default notice against you you can get it removed when you claim your charges back

 

kind regards,

shane

[madh21]

yes, I have done all of that. It actually took them until september to send the SAR and then only in part. The rest came about a week ago.

 

Their collections dept have hounded me since I swapped my current account and they could no longer take the monthly payment ( or rather helped themselves!)

 

They're just not bothered about anything you say or letters you send. I'm getting pretty fed up now.

 

I'm also in the same situation with Barclays - now legal letters turning up.

[N.P]

Hi there,

 

I know what you mean about ignoring letter`s. I CCA`d and SAR`d them over a month ago.

 

I received my statements but they have totaly ignored my CCA request, they commit an offence next Wednesday, although they are still asking for money and still adding on interest and still hounding me and still being morons and still ........

 

I too changed banks so they couldn`t help themselves.

 

I`ll keep watching with interest.

 

Regards

 

 

N.P.

[sosumi]

I was told earlier this year by someone at TSB Collections that they could see the Payplan payments going in and that the account would be sent to their Debt Recovery Dept. within a month. I was told to expect a letter from their in-house solicitors (SC&M) before that happened, because that's the way the system worked. But he would make a note we'd had the conversation and he'd told me what would happen.

Sure enough, we had letters from SC&M, but the account didn't pass to the Debt Recovery Dept, it went to BCW. Meanwhile Payplan had tried sending payments to SC&M and had a huge job trying to find out who had the debt. Nobody knew where it was!

[Under Siege]

Seems like there are lots of us in the same boat.

 

I CCA'd Lloyds nearly a month ago, I have not received a response however they have issued a default.

 

Nice people arn't they!

[N.P]

Hi,

 

Seems like there are lots of us in the same boat.

 

I CCA'd Lloyds nearly a month ago, I have not received a response however they have issued a default.

 

Nice people arn't they!

 

You mean a bunch of moron`s don`t you?

 

Looks like everyone`s going to land a nice little Default. Do we care really? As in your other thread, it could be a blessing in disguise, no Credit - no Debt.

 

Maybe it`s time for a mass invasion on Lloyds!

 

Regards

 

 

N.P

[sosumi]

They're a lovely bunch, Under Siege!

I'm just scanning in their last letter to put on here tomorrow.

We started our Debt Management Plan in October 2006. They were contacted by Payplan, who had our authority to act on our behalf. They ignored Payplan whilst accepting payments anyway, defaulted one of hubby's credit cards in November 2006, reduced his credit limit (bizarrely!) to £3650 in January 2007, when £9907 was owing. They sent him a letter in March this year, demanding full payment of arrears of one penny - yes, £0.01. We ignored this at our cost. In May they demanded payment of 3 pennies - yes £0.03! So we gave up at that point and wrote them a cheque for 3 pence - which they cashed! All the while accepting Payplan's payments.

They defaulted the second card in January 2007. Same thing - we were paying by Payplan.

We still haven't received our SAR request. They might be having problems because there's a lot to hide. The third account - our current account - was a shambles because of the charges they applied, that they're now admitting were wrong.

[Under Siege]

You couldn't make it up!