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CCA Request Response from Lloyds
jojororo
Posts: 25 Forumite
I recently sent CCA requests to my four creditors.
Disappointingly two have responded and have provided copies of original doc with my signature on.
This morning I got response from Lloyds Bank and they enclosed a copy of the agreement but with no signature on. They added the note stating that they have satisfied their obligation under section 77 and will not be entering into any further correspondence regarding copy agreements.
The agreement date was July 2007 so after the April 2007 date which appears to be important in regard to CCA requests.
Does the fact the agreement was after April 2007 mean that they don't have to provide a doc with my signature on ?
It is worth me pursuing this any further or should I just accept it and make a FFP offer?
Thanks
Jo
Disappointingly two have responded and have provided copies of original doc with my signature on.
This morning I got response from Lloyds Bank and they enclosed a copy of the agreement but with no signature on. They added the note stating that they have satisfied their obligation under section 77 and will not be entering into any further correspondence regarding copy agreements.
The agreement date was July 2007 so after the April 2007 date which appears to be important in regard to CCA requests.
Does the fact the agreement was after April 2007 mean that they don't have to provide a doc with my signature on ?
It is worth me pursuing this any further or should I just accept it and make a FFP offer?
Thanks
Jo
0
Comments
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Wouldn't bother, the requirement to produce a signed document was removed prior to April 2007, so not really a valid argument unfortunately !!I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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