Unenforceability & Template Letters III

jen_br

Does anyone knowt he address for lloyds.. I tried to call them for this but when i told them what it was about... they wouldn't give me an address!

never-in-doubt

jen_br wrote: »

Does anyone knowt he address for lloyds.. I tried to call them for this but when i told them what it was about... they wouldn't give me an address!

http://www.lloydstsb.com/contact_us/complaints_procedure.asp

Customer Service Recovery Centre
General Banking
Lloyds TSB
2 Brindleyplace
Birmingham
B1 2AB.

kilasuit

never-in-doubt wrote: »

Say what mate? Are you saying you've formally requested the CCA and they refused you?

The actual letter you send is this and you need to send £1 as well: CCA Request

If you're having issues mate head over here: Unenforceability & Template Letters III

Or am I reading this wrong, and really you want them to send you paperwork agreeing to a repayment plan so you have documentary evidence?

NO i haven't requested the CCA this is in line with a conplaint on Overdraft charges. that extract was taken out of a final response letter dated 23 November 2009

Its now with the FOS but i was just wondering if you could clarify that little point.

never-in-doubt

kilasuit wrote: »

NO i haven't requested the CCA this is in line with a conplaint on Overdraft charges. that extract was taken out of a final response letter dated 23 November 2009

Its now with the FOS but i was just wondering if you could clarify that little point.

Well it depends in what context mate - as I said, am I reading this wrong, and really you want them to send you paperwork agreeing to a repayment plan so you have documentary evidence?

If not, what do you need a contract for? A contract in what capacity and under what legislation? See why i'm confused? you're being way too vague mate lol

Have you seen this: http://www.moneysavingexpert.com/reclaim/bank-charges

kilasuit

never-in-doubt wrote: »

Well it depends in what context mate - as I said, am I reading this wrong, and really you want them to send you paperwork agreeing to a repayment plan so you have documentary evidence?

If not, what do you need a contract for? A contract in what capacity and under what legislation? See why i'm confused? you're being way too vague mate lol

Have you seen this: http://www.moneysavingexpert.com/reclaim/bank-charges

yes i wanted paperwork agreeing to the repayment plan not even much just a simple this would be the monthly amount, any interest that would be accured on the account or % rate, duration etc etc.
they are saying that they dont need to. But do they or do they not??

and yes i have seen that thanks Niddy

never-in-doubt

kilasuit wrote: »

yes i wanted paperwork agreeing to the repayment plan not even much just a simple this would be the monthly amount, any interest that would be accured on the account or % rate, duration etc etc.
they are saying that they dont need to. But do they or do they not??

and yes i have seen that thanks Niddy

Hi mate - no they do not need to confirm it to you, there is no provision anywhere to enforce such action, however it would be polite and ethical as a business practice for them to supply it.

What i'd suggest is you do it and send to them, then put something on there like "I assume you accept the points above unless I hear from you in writing, within the next 28 days" - that covers you ..... but you'd need to post it recorded delivery so you have proof it was sent...

That stops them renegading the agreement.

kilasuit

as i said its now with the FOS so when i hear back from them i think it maybe time to even go to have a look into getting that imposed as part of the Act as this allows for even more detrimental and unfair treatment to consumers and creditors too

maz1964

Hiya all

just popped in to read updates, wow what a reply for my little favourite friends apex on behalf of libbyjade,,,,,:rotfl:

and Niddy double wow, from sunny climes that you help us with :beer:

anyway again ive learnt lots from this fab thread so dont give up everyone

cheers maz

never-in-doubt

maz1964 wrote: »

Hiya all

just popped in to read updates, wow what a reply for my little favourite friends apex on behalf of libbyjade,,,,,:rotfl:

and Niddy double wow, from sunny climes that you help us with

Hi Maz,

I know you're itching to send off another letter but there's no need, really - just sit back and enjoy the break.... you're only half way there, a couple more letters and then they'll back down or take it to court! best get me sunday suit ready eh!? :rotfl:

Nah, we'll beat em out of court - pah, we're too good to let them take it that far - procedure and policy always overrules arrogance - remember that one

maz1964

Thank you niddy, i promise i will concentrate on others in the meantime
and ive got a few more to tackle

now that today ive understood finally how to properly scan documents with a little help from ever so helpful daughter :rotfl:

will carry on the sequence of cca requests and then scan you any replies i eventually get

keep happy maz:cool: nite nite