Robinson Way won't ask LLoyds for credit agreement!

janeyjupe

This is regarding a debt to LLoyds TSB. I have asked Robinson Way, who are dealing with it, to send me the CCA(s) They say I hAve to contact the bank directly for this, as they have not purchased the debt. Is this true? They went over the 14 days in replying with this.
I think they should do this as they are acting for the bank. I want to dispute charges and interest added to this debt. It's quite a large debt consisting of overdraft and unsecured loans. I also want to look at PPI agreements on the loans. I've got a feeling they have rung the bank and no agreements there. Most of this debt occurred 2004 but I have paid some off. Was paying 5 pounds a month but then thought about looking at charge refunds etc so asked for details. Can anyone advise who I should write to next?

Curlyben

Are RW&c chasing for everything, so overdraft, loans etc.
In which case they MUST comply with your CCA request, assuming of course you made the request under CCA s77 (1) and included the prescribed fee.

Have they cashed the fee ?
If so you have nowt to say to them until they comply with your request.

As for the O/D there's bound to be charges, so time to get a grip on those, hence putting the account into dispute and stopping further action.

conar686

s175 of the CCA 1974 - Duty of persons deemed to be agents
Where under this Act a person is deemed to receive a notice or payment as agent of the
creditor or owner under a regulated agreement, he shall be deemed to be under a
contractual duty to the creditor or owner to transmit the notice, or remit the payment, to him
forthwith.

RWc can't ignore your submission they have to pass it on.

As CB has said if they kept the money then they have acknowledged your request