Which one do I do?

silverhandbag

Thank you for all your help. 

I will request the CCA and let you know how I get on.

silverhandbag

Is this the correct letter to send to ask for the CCA?

https://nationaldebtline.org/get-information/sample-letters/information-about-your-agreement-under-consumer-credit-act/

thanks

Rob5342

Yes that's the one, remember to enclose the £1 fee. They often just send that payment back so if paying by postal order leave it blank so you can use it for something else. 

silverhandbag

Thank you. Done. I'll let this thread know their response.

silverhandbag

I have received reply letters to my CCA request stating they have requested these from Lloyds Banking group and "once received we will post them on your online account" "for you to view and download".

I don't have an online account with them. 

Should they be sending these as a hardcopy to my address when they get them? I have previously requested in writing that all contact to be made by letter as per GDPR. They refused stating they have my phone number but not my email address and will continue to use my phone number too.

The letters also said to "please set up an affordable payment plan on our website or call our friendly team ..."

sourcrates

These days they are more prone to be sent electronically.

I have known letters sent by this method, but not CCA`s, interesting.

If/when, they reply to you, you simply click on the link, it will take you to their website, you may have to enter an account number and your DOB, for data protection purposes, but then you should be able to view what they send you.

fatbelly

Well that's a new one.

Just looked to see if 'give' was defined by the FCA.

It suggests that the copy should be sent by second class post

https://handbook.fca.org.uk/handbook/conc13

As they are proposing to post it where you can't see it, I think there is a very strong argument to say that they haven't complied.

The link explains what non-compliance means for you

silverhandbag

https://forums.moneysavingexpert.com/discussion/comment/81791228#Comment_81791228

It's been 4 months since I requested the 2008 CCAs and 3 months since their reply above in my quote. They kept the two £1 postal orders.

The only letter I have received from them since that reply, is a 50% discount letter (they offerered 50% before, then 60%, then 70%).

Do I write and remind them they haven't sent me the two CCAs?

sourcrates

No, don`t rock the boat, save that trump card for if they ever try to get legal with you, until then get on with your life, the debts remain unenforceable until they do comply, it typically takes up to 6 months for a response from the original creditor, so just wait and see what happens.

ManyWays

Have you stopped making payments to these debts?