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Sheep V Lloyds

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I_am_not_a_sheep
I_am_not_a_sheep Posts: 7 Forumite
in Debt-free wannabe
I have been a reader of these forums for some time, however the time now comes where I have my own questions, and would please like someone in the know to look over what I received today from Lloyds in response to my CCA request sent to them recorded delivery earlier in Jan 2010.

Please see attached docs.
«1

Comments

  • flossiejo
    flossiejo Posts: 49 Forumite
    Can you attach the docs pls...:D
    Debts: Total - [STRIKE]£39,144.54[/STRIKE] £38,915.90
  • I_am_not_a_sheep
    I_am_not_a_sheep Posts: 7 Forumite
    Ahhhh

    OK.. I cant post links, because im a newbie!:mad:
  • flossiejo
    flossiejo Posts: 49 Forumite
    If it's not long winded - could you type it out?
    Debts: Total - [STRIKE]£39,144.54[/STRIKE] £38,915.90
  • I_am_not_a_sheep
    I_am_not_a_sheep Posts: 7 Forumite
    I dont know if you can search photobucket for user name I_am_not_a_sheep

    All the pages are up on there, but they may not be in order :(
  • Mags_cat
    Mags_cat Posts: 1,427 Forumite
    Part of the Furniture Combo Breaker
    http://s803.photobucket.com/albums/yy317/I_am_not_a_sheep/

    (I'm not new...I can post links :D )

    Can't help you with the original query - but at least now people can see the details...
  • I_am_not_a_sheep
    I_am_not_a_sheep Posts: 7 Forumite
    thanks Mags_cat :j
  • ford_prefect_3
    ford_prefect_3 Posts: 105 Forumite
    I thought the assurance from Lloyds that they wouldnt have given a card without a signed agreement was interesting, I have a couple of cards I know I didnt sign anything for from other banks
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    I_am_not_a_sheep wrote: »
    I have been a reader of these forums for some time, however the time now comes where I have my own questions, and would please like someone in the know to look over what I received today from Lloyds in response to my CCA request sent to them recorded delivery earlier in Jan 2010.

    Please see attached docs.

    Ive replied to you here: http://forums.moneysavingexpert.com/showpost.html?p=29457363&postcount=1856
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • DarkConvict
    DarkConvict Posts: 6,346 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Page 2
    Name and Address, different to when applied for the card, not sure if it makes any difference

    Page 4 - B Repayments, this page states £5 or 2% of balence

    C Rate of interest - BLANK! , but states it will appear on monthly statements

    Page 12 - more interest rates for balance transfers, and min payment

    Page 16 - DPA stuff.

    From what i can see, there is no specified credit limit.

    The terms are spread over so many pages and with the address been changed, and the document unsigned. I would say its unenforceable. Let NID confirm thou.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    edited 1 February 2010 at 6:05PM
    DarkConvict wrote: »
    Page 2
    Name and Address, different to when applied for the card, not sure if it makes any difference

    Yes - it should be the address used at the time applied - - unenforceable as a result of this

    Page 4 - B Repayments, this page states £5 or 2% of balence

    That is ok. Meets the prescribed terms criteria.

    C Rate of interest - BLANK! , but states it will appear on monthly statements

    Should still have a value, i.e. 16.9% or whatever - unenforceable as a result of this

    Page 12 - more interest rates for balance transfers, and min payment

    Page 16 - DPA stuff.

    From what i can see, there is no specified credit limit.

    Not really a big deal, so long as it states they will advise you of your limit etc - it must state that at least...

    The terms are spread over so many pages and with the address been changed, and the document unsigned. I would say its unenforceable. Let NID confirm thou

    It should be on linked pages (i.e. on each page it should say page 1 of 7 / 2 of 7 etc etc) - unenforceable as a result of this

    .

    I'd say it is not enforceable based on your observations mate - i'm not going to look through his photobucket lol - seen all those letters and just dont have the time to read it all..... not for a few days anyway but based on your findings it is definitely dodgy and so the OP should send this: 3. CCA Query

    Cheers mate :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
This discussion has been closed.
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