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Credit Card Agreement response recieved....now what?
Xeus
Posts: 16 Forumite
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I'm guessing by saying that you have used your card then you must have accepted their terms and conditions by "executed agreement"
fair assumption.
I still don't understand these people that are trying not to pay back money they spent, its just making it more expensive for those that do pay back their debts. Who am I to judge though
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Ok, call Lloyds TSB and explain that you are in financial difficulty, sort out an arrangement to pay a smaller amount each month.let me know what i need or can do next.
If this still is not an option for you, declare yourself bankrupt and this will solve your problem for you....you will also not be able to get any form of credit for at least 6 years.
Trying to find a way out of this or "coming out of the !!!!!! smelling of roses" so to speak is a deluded propaganda message from the deluded Walter Mittey world of debt evasion and the disciples that follow, your are better off not falling in to this trap and face the real world issue here and tackle the debt head on until you have repaid it 100%.
It will be hard work and will take time, however it will do wonders for your character and your future credit rating too.
Good luck.
Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0 -
oh you are looking for the following clause
4b(i) The lender consents to the borrower taking money and several years later trying to get out of repaying it due to a loophole which has been closed.
4b (ii) The lender agrees to give away money.0 -
You may find the following thread helpful:
http://forums.moneysavingexpert.com/showthread.html?t=20605750 -
are they having a laugh?that is not an enforcable agreement
they are right in one respect they do not have to provide a signed copy but it must be a true copy of the original and it must have the prescribed terms on the signature sheet.
sending terms and conditions and a few statements DOES not fullfil their obligations under the cca . write an in dispute letter and remind them that while an account is in dispute they are not allowed to request payment nor are you obliged to pay anything.
then just wait until they provide you with a true copy0 -
TBeckett100 wrote: »oh you are looking for the following clause
4b(i) The lender consents to the borrower taking money and several years later trying to get out of repaying it due to a loophole which has been closed.
4b (ii) The lender agrees to give away money.
loophole? its the law just one that the lenders couldnt be arsed following so if they lose money its their own fault
and it hasnt been closed if the lender cant provide an enforcable agreement you dont have to pay .
its that simple.:)0 -
just hope this person is self employed and someone not pay him for the same reason.0
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TBeckett100 wrote: »oh you are looking for the following clause
4b(i) The lender consents to the borrower taking money and several years later trying to get out of repaying it due to a loophole which has been closed.
4b (ii) The lender agrees to give away money.
You don't have a clue really do you?
1. It is NOT a loophole - it's the law (same as rape, murder, etc etc - it is protected by law - not loopholes)
2. The 'loophole' (or more specifically s.127) has NOT been closed! (who told you that? Give em a slap for being thick yea?)
3. The lender agreed to give money away the moment they issued an unlawful agreement and there aint a thing they can do about it either!
just hope this person is self employed and someone not pay him for the same reason.
Which i'm sure he'd respect if he issued an unlawful agreement. 2010 - year of the troll
Niddy - Over & Out :wave:
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Hi,
I recently wrote to Lloyds asking for my credit card agreement. I recieved a response after 2 months, but don't know what im looking for.
Its not enforceable, quite simply. take a look at the link below and the letter you need to send back is on page 1.(yes, im one of those people, trying to find every possible way out of debt, but doesn't actually know what it is they are doing)
Good on you - wish there was more people like you around - go get those nasty banks (don't worry, you have us walter mittey's here to help lol - Proliant, naughty naughty haha) :T :T
Unenforceability & Template Letters II 2010 - year of the troll
Niddy - Over & Out :wave:
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are they having a laugh?that is not an enforcable agreement
write an in dispute letter and remind them that while an account is in dispute they are not allowed to request payment nor are you obliged to pay anything.
They are definitely having a laugh, either that or the request was dealt with by an incompetent member of staff.
They are clearly in breach of contract and they are the ones who have defaulted. They have no right to enforce the debt if they cannot prove it exists in the first place.
What a bunch of sharks :eek:0
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