Cca Requests Updates Please

Bazza66

Toffee_Penny wrote: »

Hi guys! :beer: bit long winded but hope you can help?.....

I have been claiming the ol' ppi from several creditors and Monument sent a letter offering OH a refund of £1200, I wrote back special delivery on 17th February to accept.

OH received two letters at his MUM's HOUSE!! today, one from Monument to say debt been sold on to Lowell's on 27th February and one from Lowell's to say we now own the debt start paying up. Thing is the debt stands pre-refund amount

On closer inspection the two letters have the same barcode marking across the top and typed in the same font, totally different to the usual standard Monument letters. I suspect Lowell's wrote both! The fact that they have wrote to OH mum's house just takes the biscuit too!

We had to SAR Monument to get the ppi details and all they came back with was a signed Rapid Reply Card (application form really) and a standard printed terms and conditions with no signature boxes.

I'm not bothered who owns the debt, we spent it so have to pay BUT Monument obviously not playing ball and trying to get out of paying ppi refund and Lowell's? well, they writing to Mum's house

any ideas guys?

Have you sent a CCA request?

10past6

Bazza66 wrote: »

I was wondering whether to mention that they should not be writing to me from their "legal division"

It's your chocie whether to continue writing or not, remember though, each time you write, it's keeping the account active, you'll never reach that statue barred stage.

Bazza66

10past6 wrote: »

It's your chocie whether to continue writing or not, remember though, each time you write, it's keeping the account active, you'll never reach that statue barred stage.

Thats a really interesting point 10past6 - I didnt realise that.

So even though you send letter with "I do not acknowledge debt to your company" you are still effectively resetting the clock for 6 years statute? Surely by stating you DO NOT acknowledge you exempt from this?

This is new to me - not sure how many other people are aware of this as well - alot of us do keep writing back telling them to "b*g off" basically.

Worth bearing that in mind. So you suggest after 12+2 - if no CCA then just file their letters away and never write back!?

Toffee_Penny

Bazza do you mean to Monument? No I haven't sent a cca request, I thought this was covered with the SAR thing.

10past6 what about the FOS instead?

10past6

Bazza66 wrote: »

So you suggest after 12+2 - if no CCA then just file their letters away and never write back!?

They have your legal request.

They know the legislation.

It's not for you to spend anytime or money reminding them.

10past6

Toffee_Penny wrote: »

10past6 what about the FOS instead?

You MUST go through Monuments complaints procedure first.

Toffee_Penny

10past6 wrote: »

You MUST go through Monuments complaints procedure first.

Sorry yep we did that, their last letter to OH was final response with an offer for the ppi and we wrote back 17th Feb accepting and then receiving the Lowell's letter today, well it just threw me but I won't bother worrying about them as you say they haven't even sent letters to the right address so why should I bother chasing?

I just panic when I read the letters, I have researched most nights and my mind races with DCA's, CCA's, CCJs etc.

lightatendoftunnel

Hi Everyone,

I'm new to this and would like some help please.

At the end of January I started to request CCA’s from my three credit card providers and for my personal loan. I have received responses from them all now and now need some advice of what to do next please.

As well as this post in the main forum, I have set up my own thread to share my story and progress.

Please find the link below:

http://forums.moneysavingexpert.com/showthread.html?p=19644859#post19644859


Lloyds Loan £2.8k

I requested a CCA from my personal loan provider (Lloyds TSB) and they have sent me a signed agreement however it is very brief and holds no personal data. It does look like it includes details of APR, repayment conditions etc but I am unsure whether it is sufficient to make the loan enforceable. Please can anyone give me some advice on this?

Also my current loan was taken out in 2004 but in previous years I had taken out smaller loans since 1999 with Lloyds, but each new loan superseded the previous loan and from memory each new loan paid off the remaining debt outstanding and then started again with new payments and length of terms etc.

Lloyds have sent me the agreement signed in 2004 for my current loan,.

My question-should Lloyds have just sent me the paperwork for my current loan or should they have sent me all the paperwork for all of the loans I have taken out since 1999 including my current loan?

Please find below links to what Lloyds have sent me and I would really appreciate any comments or advice please. http://i672.photobucket.com/albums/vv88/lightatendoftunnel_2009/CopyofLLoydsLoanEdited.jpg

http://i672.photobucket.com/albums/vv88/lightatendoftunnel_2009/CopyofLLoydsLoanEdited.jpg


Lloyds credit card £12.5k

I requested a CCA from Lloyds on 29th Jan 2009 for my credit card, they responded with a holding letter saying they would write back to me however by 24th Feb I still had not had any further response so I wrote to chase them up and ask for an explanation. I then received a letter dated 02 March stating “that they were sorry I had cause to complain and they would carry out an investigation however this could take up to 28 days.” They enclosed a document on their complaint procedure.

In my letter I had not stated that I was actually complaining, all I had asked for was an explanation of why they had not sent the documents I had requested under the CCA request.
From reading other threads people have said that if a company fails to issue the credit agreement within 44 days (12+2+30) then the debt is not enforceable by them or any court?

Is this correct?
Because Lloyds seem to be stalling for time with the letters they have sent me, it leads me to believe that they don’t actually have a CCA and therefore should I write back after the 44 days have passed regardless of the fact that Lloyds say it may take up to 28 days for them to deal with my “complaint”?
I am not sure what to do next- please help?

Many thanks for your help

10past6

Toffee_Penny wrote: »

I just panic when I read the letters, I have researched most nights and my mind races with DCA's, CCA's, CCJs etc.

It will settle down eventually, for the cost of a stamp, I really would send the court action letter to them, better to have that put away to bed, at least that's one out the way.

Coffeetime

Bazza66 wrote: »

Did you try the CAG link I sent?

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful-19.html

yes bazza i did, not had a reply as yet.

Thanks very much for your time & help.

The second scan is on the reverse of the application form, at least it is on the copy they sent back .