Is there light at end of tunnel?

lightatendoftunnel

At the end of January I started to request CCA’s from my three credit card providers and for my personal loan. I have received responses from them all now and now need some advice of what to do next please.


Lloyds Loan £2.8k

I requested a CCA from my personal loan provider (Lloyds TSB) and they have sent me a signed agreement however it is very brief and holds no personal data. It does look like it includes details of APR, repayment conditions terms & conditions etc but I am unsure whether it is sufficient to make the loan enforceable. Please can anyone give me some advice on this?

Also my current loan was taken out in 2004 but in previous years I had taken out smaller loans since 1999 with Lloyds, but each new loan superseded the previous loan and from memory each new loan paid off the remaining debt outstanding and then started again with new payments and length of terms etc.

Lloyds have sent me the agreement signed in 2004 for my current loan,.

My question-should Lloyds have just sent me the paperwork for my current loan or should they have sent me all the paperwork for all of the loans I have taken out since 1999 including my current loan?

Please find below links to what Lloyds have sent me and I would really appreciate any comments or advice please. http://i672.photobucket.com/albums/vv88/lightatendoftunnel_2009/CopyofLLoydsLoanEdited.jpg

http://i672.photobucket.com/albums/vv88/lightatendoftunnel_2009/CopyofLLoydsLoanEdited.jpg


Lloyds credit card £12.5k

I requested a CCA from Lloyds on 29th Jan 2009 for my credit card, they responded with a holding letter saying they would write back to me however by 24th Feb I still had not had any further response so I wrote to chase them up and ask for an explanation. I then received a letter dated 02 March stating “that they were sorry I had cause to complain and they would carry out an investigation however this could take up to 28 days.” They enclosed a document on their complaint procedure.

In my letter I had not stated that I was actually complaining, all I had asked for was an explanation of why they had not sent the documents I had requested under the CCA request.
From reading other threads people have said that if a company fails to issue the credit agreement within 44 days (12+2+30) then the debt is not enforceable by them or any court?

Is this correct?
Because Lloyds seem to be stalling for time with the letters they have sent me, it leads me to believe that they don’t actually have a CCA and therefore should I write back after the 44 days have passed regardless of the fact that Lloyds say it may take up to 28 days for them to deal with my “complaint”?
I am not sure what to do next- please help?

Many thanks for your help