Debt picked up by bank after 3 and a half years of no contact. Looking for advice

fatbelly

That looks fine to me

sourcrates

treblec wrote: »

Thanks Fatbelly.


There was reference to the monthly payments on the second sheet so i guess they have everything covered apart from the credit limit.
I've drafted a very simple short letter to send, would something like this cover it or should I add anything else of note?


Dear Sir/Madam.

In response to your letter dated 5th January, enclosed within was a photocopy of the credit card acceptance form that I would have received at that time, although I am still without a statement and any reference to the credit limit of the above account .
Could you provide me with these, as per my initial request that shows the credit limit and how the balance owing has been accrued.
Yours.

Yep, agree with Fatbelly.

treblec

To update, I sent the letter off as above a day or 2 after the last post above.


So far I've heard nothing at all from Lloyds, hence my lack of activity on here, but I thought it prudent to post anyway to keep the situation updated.


I suppose as they say no news is good news but wonder is there anything else I should be doing?


I appreciate that does sound like a silly question but if there is something I should be sending after a particular time of no response from Lloyds then I will gladly send it.


Many thanks

fatbelly

That's a couple of months with no reply.

It's had to guess what the big banks are doing in cases like this because you are looking for some logic and there may only be incompetence.

Maybe they are thinking of selling the account to someone else? Who knows.

I would just continue to leave it and wait.

treblec

Thanks.

Let's say this does get sold on to someone else, what would happen then? I'm still no wiser as to how this debt has got to the amount stated and my questions would remain the same.

Do I start the same process all over regarding postal order and cca etc etc??

sourcrates

treblec wrote: »

Thanks.

Let's say this does get sold on to someone else, what would happen then? I'm still no wiser as to how this debt has got to the amount stated and my questions would remain the same.

Do I start the same process all over regarding postal order and cca etc etc??

No, as (to date) no agreement has been produced.

You simply state the account is unenforceable as no credit agreement exists.

Leave it at that.

(Unless at some future point it is produced).

treblec

Again, i just thought i'd check back in a couple of months down the line.

Still no correspondence recieved.

sourcrates

treblec wrote: »

Again, i just thought i'd check back in a couple of months down the line.

Still no correspondence recieved.

I don't think you'll hear from them again to be honest.

It's pretty obvious they do not hold a valid credit agreement, I would just forget about it, save all the correspondence you have (I believe in a previous letter they admitted they had no agreement), if anyone contacts you again about this debt, just refer them to the fact that no credit agreement exists, therefore it's unenforceable.

You can enclose a copy of their letter where they admit there's no agreement, and leave it at that.

Once they know there's no agreement any debt collector will drop it like a hot stone.

treblec

Although its been a while my wife received another letter today from lloyds.

This is the exact same letter, wording and all as the very first letter they had sent out that started this thread with.

I'm not sure why its been sent as its just covering old ground in my opinion

Seeing as i have already sent the £1 for a CCA which went around the houses and was returned without my questions answered namely about the credit limit and how the balance was accrued, how do i go about addressing this letter?

Should i simply refer them to my last letter sent 12th January or draw atention to something else?

Again thanks to all for your continued patience and advice its very much appreciated

Thanks

fatbelly

I'd probably just ignore it. They haven't addressed the points in your last letter.

You have unenforceability arguments under two bits of the Consumer Credit Act.

The way this is going it will end up being statute barred under the Limitation Act.