subbing having same problem with liquid so want to keep an eye on this thread

Hi its been a long time since Ive been here ,but I am after some advice for a friend. I have read 20+ pages back and tried numerous searches befoer posting.so if it been discussed before please forgive me. does pounds to pockets agreement really say payment by card or direct debit only " You hereby voluntarily authorise us to debit your nominated bank or building society account ("Your Bank Account") or Debit Card for any amount that is payable by you under this Loan Agreement, including the Loan Amount, Finance Charges and any other fees that you incur ("Debit Authority"). We will debit repayments on each Payment Date from your Bank Account or Debit Card in accordance with the Debit Authority given by you above." To me that is authorization to charge the card or authorize direct debit it does not say you have to pay by direct debit. thanks in advance Ogg

Hi the latest News is they have told me today that the matter is being passed to their litigation department Just the next level of threat I suppose Og

Hi Thanks for replying It allready makes me feel better to have advice so quickly. The cca request will be sent asap(Postal order and no signature)to the DCA Will they pass it onto lloyds? or should I prepare another one just incase Regards Og

Hi New to the forum although I've been reading a lot of it over the last few weeks I have a problem with my lloyds credit card in that I cant afford to pay what is being asked Ie the whole amount (over £15000) It has been passed to a Dca who I spoke to on the phone, they say they have been instructed to take me to court unless I pay by tuesday although they will accept £4000 less The card was taken out in 1989 it has been replaced several times due to being lost/cloned ,on these occasions a new card has been sent but no new agreement signed I asked 'for proof of debt to them' They replied 'why' I said because they could be anybody to which they replied 'asking fo a cca is just a stall tactic I would be better of trying to get the money and phone them back by tuesday' I'm not going to be able to come up with that sort of money Thanks for any advice