Reply after CCA request...next course of action advice needed

Madfish

I recently took up a fight against an old loan debt that Lloyds Bank Have been chasing me for for a few years now. I have made several payments so its not Statue barred. But I thought I would try to make it difficult for them.

The debt collection agency working for Lloyds is Robinson Way, I wrote to them to request a CCA, they came back saying the account was put on hold but to contact Lloyds directly and gave me a address.

Following the advise on this lovely forum I used a template letter and sent off my £1 postal order recorded delivery on 20/4/09. During this time I had a letter from Moorcroft collection agency saying they were now dealing with the debt, I sent a letter saying the account was in dispute with Robinson Way/Lloyds Bank and to refer it back until settled.

Well until today 16/5/09 I hve heard nothing until a letter arrived from moorcroft this morning, I have copied it out below, pease note this is the exact letter as I recieved it as it seems like it was written by a 5 year old:

I write in response to your recent disute in relation to the above account and can confirm we have been in contact with lloyds TSB Bank PLC who have advised us that Robinson way in October 2008 therefore, they are unable to refer back. Lloyds TSB Bank PLC have confirmed that this account was opened in 1990 therefore a copy of the CCA is not obtainable. Please advise us if you require statements to enable us to assist you furhter. I can also confirm that your account is placed on hold until the 20th May 2009 and request you telephone our call centre to discuss a repayment proposal you can afford and maintain.

The bad grammar is directly off the letter!. What I can gather from it though is Lloyds passed the debt to Moorcroft in October 2008 even though I have been getting letters from Robinson Way up to April 2009.

Also they say the account was opened in 1990, I would like to see that prooved as it is about 8 years early

And finally if there is no proof of CCA then they have no case?, bearing in mind I have not heard directly back from Lloyds bank it seems that they can take a running jump. Hopefully an advisor here can offer me a next course of action. Thanks for taking the time to read my long post btw...

RAS

Hi

If this is an old loan, no CCA, no payment.

if you read the threads about the OFT gettingn tough with MH and 1st credit, you will find that the OFT has prohibited one of them from pursuing disputed debts and could quote the OFt DIRECTLY.

Madfish

if you read the threads about the OFT gettingn tough with MH and 1st credit, you will find that the OFT has prohibited one of them from pursuing disputed debts and could quote the OFt DIRECTLY

Very interesting, may be worth sending a letter to all 3 parties, quoting that and telling them to get stuffed.

RAS

They won't like it but legally you are in the right.

If any of them try it on again, then report them to the OFt with copies of the letters from them.