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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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Lloyds TSB Mastercard


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Hi everyone,

 

I`ve just been thinking. Has anyone had any dealings with Lloyds TSB Mastercard? If so, do they often show up with a CCA?

 

I was wondering this because this last week I missed a payment to Lloyds Card, even though I put sufficient monies in the bank on the same day. The result was a £35 missed Direct Debit charge and also a £12 missed payment charge on my card.

 

They have recently been calling upto 4 times a day upto 8.00pm at night.

 

Should I throw a spanner in the works and CCA Lloyds Mastercard and also SAR them?

 

I don`t mind causing a stink as they have peeved me off and ripped me off with charges in the past and have started again.

 

I look forward to hearing from you all.

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi N.P.

 

I can't speak for Lloyds Mastercard but I have successfully claimed back all my bank charges in full from Lloyds against three different accounts.

 

They are very quick to add hefty charges and as you say they are a complete rip off, so I wouldn't hesitate in claiming all those back.

 

Love Spiritgirl x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Hi there,

 

Thanks for the replies.

 

I`m not sure exactly how long I`ve had the card. I think it`s round about 5-6 years. I could have a check on the online banking to see how far that goes.

 

Thanks again

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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whats the significance of the 6 years, ive been Lloyds since leaving school in 1980 so my credit card must be over 20 years old ... will it help me?

RBS/Triton - Gone Away No CCA

RBS/Moorcroft - Gone way No CCA

RBS/AIC - Gone Away No CCA

RBS/Intrum - Gone Away No CCA

RBS/Regal - Gone Away

 

Cahoot/Link - CCA in Dispute

 

Capital One - Settled

 

Lloyds Bank - Awaiting Outcome from Supreme Court Hearing.

 

Lloyds Credit Credit - Repayment Plan

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Hi again,

 

Thanks for the posts speedtrip and diskmandave.

 

I might have only had the card around 5-6 years but I have been with TSB for 22 years, not that that makes any difference, I still hate them!

 

Diskmandave, from what I`ve been reading on CAG you are one of the top boys with regards to DCA`s and debt etc, no offence or joke meant there mind. But, I was just wondering, have you yourself had any dealings with the morons at Lloyds TSB or Lloyds TSB Mastercard?

 

I have a overdraft which I always live in and a Mastercard with them which is maxxed out and I would just like to know what I`m getting myself into.

 

I look forward to hearing from you again.

 

Many thanks

 

 

N.P.

 

 

P.S. This site is so dammed addictive isn`t it? I thought ebay was until I ran out of money buying things that I didn`t really want or would never use :p

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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LTSB don't have a good track record when it comes to providing documentation for 'older' accounts.

 

 

I agree with Dave they sent me a lovely application form:D

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Hi Knightmare,

 

Thanks for the post.

 

What product do you receive the application form for? Was it the Lloyds Mastercard?

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi Knightmare,

 

Ok, thanks for that.

 

I recently missed a payment, so when they send out the snotty letter, I`ll CCA and SAR the muppets, LOL.

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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  • 2 weeks later...

Hi again people,

 

Right, it`s time to launch an assault on Lloyds TSB Mastercard.

 

I received a snotty letter from their Collection Centre in the week, moaning that I`d missed a payment and it was in their T`s & C`s that they can take it out of any other Accounts I may have with them. So, they are going to take it out of my Current Account, as well as next months payment.

 

Looks to me like a good oppotunity to send a CCA to the Collections Centre and a SAR to Lloyds Card Services.

 

Just a quick question, is the CCA letter in the templates library suitable for Credit Cards? I was just wondering as it mentions Consumer Credit Act 1974 (s.77(1) for fixed sum credit.

Do Credit Cards fall under the fixed sum credit?

Just thought I`d check this out before I commit myself.

I look forward to hearing from you.

Regards

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi diskmandave,

 

Thanks for that. So would I just need to change that particular line accordingly?

 

Also, I sent Argos Card the standard template, which is basically a Credit Card using? Would that make any difference? Morecrap are dealing with that now but haven`t showed up with anything for almost 2 months now? That would also be a running account credit wouldn`t it?

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi again,

 

If your there DMD, is this correct for a Credit Card?

 

This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78(1) Consumer Credit Act 1974 (s.78(1) for running account credit) – your obligation also extends to providing a statement of account.

Regards

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi DMD,

 

Ok, cheers, thanks for that.

 

I`ll print it out now and ask my girlfriend to hand it into the bank tomorrow, sealed in a envelope of course.

 

Cioa for now

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi everyone,

 

I was wondering this because this last week I missed a payment to Lloyds Card, even though I put sufficient monies in the bank on the same day. The result was a £35 missed Direct Debit charge and also a £12 missed payment charge on my card.

 

N.P.

Can you expand on the above please. I am a little confused. If there was sufficient funds in your account why has your bank charged you £35 and Lloyds TSB £12? The only thing I can see at the moment is that the direct debit was requested at sy 10.00am but you did not make a deposit until say 2.00pm the same day.

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You may also wish to consider moving your current account to another bank so they can't take money out of it.

 

Also, I sent Argos Card the standard template, which is basically a Credit Card using? Would that make any difference? Morecrap are dealing with that now but haven`t showed up with anything for almost 2 months now? That would also be a running account credit wouldn`t it?

Yes it would be running account credit. As long as you didn't alter the template, as it uses both s77 & 78, it will be fine.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi guys,

 

Thanks for the last two posts on this thread.

 

We dropped into the Lloyds TSB on Friday evening with 2 letters for them (sealed in envelopes).

 

One was a SAR for Lloyds TSB Credit Card and the other was a CCA for Lloyds TSB Collections.

 

We were going to did it a week ago but we have had some sort of stomach bug.

 

Anyway, I got a receit just as proof of delivery, so that saved me a few pounds on Royal Mails appaling service. So, I`ll just wait and see what happens.

 

Regarding the last two posts:

 

Can you expand on the above please. I am a little confused. If there was sufficient funds in your account why has your bank charged you £35 and Lloyds TSB £12? The only thing I can see at the moment is that the direct debit was requested at sy 10.00am but you did not make a deposit until say 2.00pm the same day.

Yes, that is basically what happened. Looking at the online statement, nothing came out when I looked at 5am before going to work. My girlfriend put some money in around lunch time, but the statement shows the Credit Card withdrawl listed first, followed by the deposit. I still think they are taking the ****, as yesterday morning I received their new Charges guide which states if you go overdrawn and you put the money back in your account the same day before 3pm then you won`t be charged. This actually takes affect from September 2nd, the day after my charges are due to be paid. God! I hate banks! They are so greedy and just rip people off every day of their lives.

 

Lloyds Master Card are now due to take out 2 months next time around, instead of one. So that`s why I decided to SAR and CCA the mo-fo`s.

 

Rory32, I did make a slight edit to the CCA, based on diskmandaves help. It`s in Post 16 on this thread. I simply changed it to a running account credit instead of a fixed rate. Would that be ok?

 

Also, how do you guys copy and paste blocks of text from posts? I mean with the grey/blue background box likes rory32`s just above?

 

Anyway, time for bed.

 

Thanks again guys for your help so far. I keep you posted as to their snotty reply, which I`m obviously going to get.

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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I simply changed it to a running account credit instead of a fixed rate. Would that be ok?

 

Absolutely fine.

 

how do you guys copy and paste blocks of text from posts?

Have a look here http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi again,

 

Just a quickie as I`m trying the QUOTE reply.

 

Absolutely fine.

 

 

Ok, thanks for that rory32, I think I`ve got it now.

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi boys and and girls,

 

Just a thought regarding the letters I dropped into the bank on Friday.

 

Do I still give the CCA 12+2 days and the SAR 40+2 days allowing for delivery? Or do I just give them both a straight 12 and 40 days as it was handed directly into the bank?

 

Also, do you include Saturday and Sundays or just Monday to Friday?

 

Just thought I`d check before hitting the launch button on these numpties.

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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