Cca Requests Updates Please

rog2

helptheden wrote: »

She has however received a letter from a DCA informing her that they have taken over the debt from lloyds...It seems to me that Lloyds may have decided to pass this on since receiving the CCA request (abit of a coincident that they have decided to pass the debt on!!).. The DCA has also left a voice message requesting payment for the debt.

If Lloyds passed this 'debt' to a dca after they received your sister's cca request then they would, certainly, be in default.
No matter - once the 12+2 days have elapsed, send Lloyd's the '12+2' day letter, informing them that they are now in default. A copy of the letter can be found on post #6 of the following thread:

http://forums.moneysavingexpert.com/showthread.html?t=963087

Then send the DCA a copy of the 'FORMAL NOTICE - ACCOUNT IN DISPUTE' that you will find on post#8 of the same thread.

Incidentally was the DCA called 'Secchiari, Clark and Mitchell'? If so, then these are 'in-house' solicitors/dcas for Lloyds - still naughty though.

cocker100

rog2 wrote: »

If Lloyds passed this 'debt' to a dca after they received your sister's cca request then they would, certainly, be in default.
No matter - once the 12+2 days have elapsed, send Lloyd's the '12+2' day letter, informing them that they are now in default. A copy of the letter can be found on post #6 of the following thread:

http://forums.moneysavingexpert.com/showthread.html?t=963087

Then send the DCA a copy of the 'FORMAL NOTICE - ACCOUNT IN DISPUTE' that you will find on post#8 of the same thread.

Incidentally was the DCA called 'Secchiari, Clark and Mitchell'? If so, then these are 'in-house' solicitors/dcas for Lloyds - still naughty though.

Dont forgot MHA Collections and BLS Collections! These are also two of their in house DCA's.

Lowlifes, the lot of them!

They have ignored all the rules with my account, they just dont care!

Cocker:)

Eupho

:wave: hellooo

I'm still only over the first hurdle in my (self) DMP ..
(sent everything off a few weeks ago..and am starting to get replies)

I was going to send my CCA requests tomorrow.. (done them all) .. Is it too soon? .. or doesnt it make any difference when?

blind-as-a-bat_2

cocker100 wrote: »

Dont forgot MHA Collections and BLS Collections! These are also two of their in house DCA's.

Lowlifes, the lot of them!

They have ignored all the rules with my account, they just dont care!

Cocker:)

Follow the link here http://www.lloydstsbexposed.co.uk/

It shows how TSB opperate, and i can back that up with a paper trail that matches perfectly with that artical, i bet you can too cocker100


BLS has a postcode in oxford, a PO Box, but all mail gets re-directed to the collection centre in brighton, im assumeing MHA opperate in a simaler way.

In short BLS and MHA dont actually exist, they are trading names of Lloyds TSB bank PLC, and only exist on there CCL, they have no office, nor real postal address, and they claim they comply with the banking code, somehow i doubt deceptive measures like that comply

stapeley

Sorry if some questions go unanswered but some are complicated , it may be a good idea to repeat post , in hope that someone cleverer than me reads them !

Eupho

stapeley wrote: »

Sorry if some questions go unanswered but some are complicated , it may be a good idea to repeat post , in hope that someone cleverer than me reads them !

:wave: ... hahah.. I have to say that A LOT on the forums.. :rotfl:

RedRobbo

can someone tell me where I can get a copy of CCA to see whether I can test if the CCA that I have received from MBNA is enforceable?

also can anyone advice what letter I would need to send if the CCA is not enforceable.
Thanks in advance.

rog2

RedRobbo wrote: »

can someone tell me where I can get a copy of CCA to see whether I can test if the CCA that I have received from MBNA is enforceable?

also can anyone advice what letter I would need to send if the CCA is not enforceable.
Thanks in advance.

To see the 'terms' that a cca must contain, in order to be enforceable, have a look at Weller711's post 'IS MY AGREEMENT ENFORCEABLE?' that I posted above (edit: and will re-post the link):

http://forums.moneysavingexpert.com/showpost.html?p=7869437

I have suggested that post as she goes on to post an excellent 'template letter' that may, with a bit of 'editing', be applicable to your own case.

Eupho

Rog.. puhhleeasee.. take a quick look at my short post a few up there ^

(number #3095)

I'm off to the post office soon.. and I need to know whether to go for it now or not..



:wave:

rog2

blind-as-a-bat wrote: »

Follow the link here http://www.lloydstsbexposed.co.uk/

It shows how TSB opperate, and i can back that up with a paper trail that matches perfectly with that artical, i bet you can too cocker100

In short BLS and MHA dont actually exist, they are trading names of Lloyds TSB bank PLC, and only exist on there CCL, they have no office, nor real postal address, and they claim they comply with the banking code, somehow i doubt deceptive measures like that comply

Good link, bat. :T Shame they didn't mention Secchiari, Clark and Mitchell as the 'next step' in their 'in-house' trail of oppression. :mad: :mad:

And to think that it is our taxes that are paying the lion's share of these 'thugs'. :rolleyes: