No this was an answer received by Wescot from Lloyds TSB. An original request was made to Lloyds but they claim that this was never received. I have since furnished proof that it was received and this is by way of Lloyds trying to get out of their resposibilities. Mike

This was a credit card account. Mike

I hope that somebody can clarify an issue regarding the CCA s77/78. I have a dispute with Lloyds TSB being dealt with by Wescots. They claim that the account was opened on 27th May 2002 and therefore they are not obliged to send a copy of the credit agreement. Can anyone give an opinion on this not withstanding that Lloyds TSB seem to be contradicting themselves as to the dates the account was opened. Regards Mike

Interesting, thanks for your reply I'll be in touch if anything else turns up. Regards Mike

I would be interested if anyone has come across this before. I've had a long running session with RBS that's been bounced around several debt collection agencies and been finally sent back to RBS. I've had an account in dispute with RBS since March 2012 since I sent in a CCA request. What they sent me eventually, was a very heavily altered copy of an application form. Despite very lengthy correspondence RBS are now saying that under the Consumer Credit(Cancellation Notices and Copies of Documents) Regulations 1983 Reg.3(2) and 7 says that a true copy does not need to contain signatures or dates of signatures. I've looked up the above regulation and there is a whole raft of requirements none of which appear on this application form. They now say that they are not entering into any further correspondence with me. Should I persist in writing to them or just sit tight and see what transpires. Regards Mike

I have recently been issued a county court claim by drydensfarfax reference a cca 1974 s77/78 serious dispute any suggestions on how I should proceed would be welcome. Regards Mike

Can anybody help here. I have a disputed credit card account with MBNA. they passed this on to Fredricson International and there solicitors Bryan Carter. I sent in a CCA s77 request which never happened and then things went quiet. Then unbeknown to me MBNA appeared to have sold the account under a different number to Arrow Global. I sent letters explaining that the account is in dispute and CCA requests have gone in. Arrow sent me a copy of an application form claiming it is my credit aggreement and now I received through the post this morning county court claim forms. I know i have to send these back but some advice on the stance I should take would be useful. Regards Mike

Aren't MCE something to do with Marlin Financial the address is the same?

I've checked back in my files and it seems to have started about four years ago with a set up called Aegis. I asked for various documentation as there seems to have been a dispute over various charges. Aegis told ne that documentary proof would not be available. from ther it went to Fredricson and Bryan Carter and subsequently to Rockwell. All very complex and I would need to check my files a bit more deeply than I have done so however I've submitted a CCA s77/78 request and it would appear that this is what Rockwell are questioning! Regards Mike

Not sure how to re direct you but the thread was about then fact that Rockwell managed somehow to get hold of my home phone number under the claim that they had written to me some time earlier. Incidentally this dispute goes back nearly four years involving Fredricson international and their tame solicitor Bryan Carter all of whom seem to have passed the buck or thrown in the towel. Regards Mike

I started a thread about this lot some while ago and it all went very quiet. Well they've just raised their ugly heads again. I wrote to the stating that documents sent to me claiming to be a credit agreement did not comply with the CCA s60. Their so called credit manager wrote saying that he could not agree with comments and therefore would recommence proceedings if I didn't get back within thirty days! I've written a preliminary letter stating that my comments are a matter of law and my previous letter stands. Should I wait for the thirty day period or should I send this letter now? Does anyone know if there is a link between Rockwell and Arrow Global and MBNA Regards Mike

Things with RBS have recently got a little complicated involving a document that they sent to me claiming to be a credit agreement for the credit card in dispute. This document is clearly an altered application form that they tried to make look like an agreement. I requested from DLC a copy of the original application form in order to clarify this matter, this has, so far, been conspicuous by its absence and I suggest that this is the reason for the matter to have been sent to Moorcroft and their somewhat unusual reply to my letter telling them that this needs to be returned to Triton. This is a bit long winded but summarizes the situation, I think! Mike

Yes and seems strange as Moorcroft were the ones who contacted me by letter regarding the one and only dispute in question. I suspect that this is because the documents sent by RBS are questionable at best regarding their genuineness (if there is such a word) and their validity. Incidentally, this has been passed to a couple of other debt collectors in between times who have been sent the standard reply letters. Mike

I've got a dispute running with RBS who sent it to Triton Credit. I sent them a CCA s 74 request and thus far they haven't sent the correct documents. This has now been sent on to Moorcroft Debt Recovery. I sent the standard letter saying it should be returned to Triton but I've received a letter saying that RBS would like more details of the dispute in question! Should I write back to Moorcroft or should I just let it stew, any opinions would be welcome as long as they are reasonable. Thanks Mike

My phone is with Sky and I called them and they changed my number. Rockwell claim to have written to me on the 9th November, this could be a [problem] of some sort to find out who lives at what address. BTW when you fill out the electoral roll forms and you tick the box for them not to make your details public it would seem that certain info can still be found on sites like 192.com

I've just had a phone call from a crowd called Rockwell. My question is, how would they get my phone number when I've never revealed it to them or the lot they say they're acting for. I've now changed it but how safe is it?

I wholly and utterly resent the implication that i'm on a phishing trip. After recent incidents on this web site i have come to the conclusion that you lot are a bigger bunch of wasters than the credit colletion agencies. Don't bother posting anything further because it will be just a waste of time, space and effort

I recently have had issues with an organisation called Triton Credit who, having failed to to comply with my CCA requst have passed it on to DLC. I have done some research into them and it seems to be a very complicated organisation based in Brackley in Northants. An organisation called Hillesden Securites appears to be a parent company but, and most strangely, DLC claims to be part of the Faccenda Group also based in brackley who are poultry producers. Has anybody any experience of DLC, I would be interested to know. Regards Mike

This thread seems to be detracting from the original question. It has raised some useful information but, at the end of the day it is down to the originators to prove validity. On enidence there is too much discrepency and I feel validated in asking for a CCA s 78 request bearing in mind the origintors history in this matter. I thank all conributors for their input and I take onboard all advice however I will play the situation as it becomes apparent over the coming weeks. Regards Mike

If it is a pre May 1985 aggreement, that fact has yet to be proved

AS I see it Lloyds TSB cannot tell us when the account was openned, they cannot provide a copy of the credit aggreement they are using this as a ploy and the "charged off" statement is such an example we are paying Lloys TSB in line with regular monthly statements. I might add we have had major issues with this shower dating back to 2006 and this is when we threatend to take out a CCA section 78 request then. As I said in my latest corresspondence "enough is enough".

WE are questioning their interest charging rates and they will not give us any answers.

I don't know about defaulted but Lloyds used the term "charged off" whatever that means!

Inasmuch as we have paid regularly for at least the past five or six years then yes howver, they seem to be saying that they do not have to supply us with a copy of the aggreement but they are looking for one anyway. Are you saying that even if there is no aggreemnt in the conventional sense they can still enforce it!

Hi Brig Yes the account is still active although I doubt that it is as old as they say. Regards Mike