CCA request & Lloyds

susieanne

I have sent a cca request to Lloyds for my credit card i have had the card for years probely about 10 years i not heard back yet from them i only sent it a few days ago .
I wondered has anyone else requested theres from Lloyds and what was Lloyds responce .

rog2

susieanne wrote: »

I have sent a cca request to Lloyds for my credit card i have had the card for years probely about 10 years i not heard back yet from them i only sent it a few days ago .
I wondered has anyone else requested theres from Lloyds and what was Lloyds responce .

Did you include the £1.00 'Statutory Fee'?

You must allow 12 working days (12+2) from their receipt of your request for them to send you, or not, the true copy of the original executed cca.

susieanne

yes i included the £1.00 postal order and i know they received it today but Lloyds have been very difficult with me in accepting my reduced payments & stopping interest thats the reason i have sent for a CCA requests .They seem to have a habit of ingnoring my letters .

I really wanted to know what replys other people had back form Lloyds in responce to there CCA requests

rog2

Okay - there is a wealth of information on the following thread:

http://forums.moneysavingexpert.com/showthread.html?t=767025

I have dealt with Black Horse (part of Lloyds/TSB) - had to do a Subject Access Request before I finally got my cca.

Things to watch out for:

• Many creditors, particularily with regard to credit card agreements, will send copies of the current agreements, or even your original application form. In most cases these do not constitute the 'true copy of the original, executed consumer credit afreement', to which you are entitled and which they must legally provide.
• When you receive any documentation, please check to see that it contains all of the points required by the Consumer Credit Act, 1974. You will find details of what makes a cca compliant in the above thread.
• Unless the 'agreement' that they send is 'compliant' and a true copy of the original executed agreement, then they are 'in default' and will not be able to enforce the agreement without the permission of the Courts.