Hi, I just received a reply to my CCA request regarding my Lloyds credit card that i took out back in the 1990's. There are quite a few pages of terms and conditions. They only have a reconsituted version of my executed agreement. I am not disputing that i have used this card and owe them the money but i can no longer afford the ridiculous interest they are currently charging me. I am up to date with this card and my credit rating is beyond repair, so that is not an issue. Would any of you helpfull people have any ideas that would help? Any input would be greatly appreciated.

Hi my wife has been paying shopacheck for years now we were down to paying £3 a week. We owe approx. £100.The loans were from 2003 Then when the new government legislation came in IE bedroom tax etc. we had to drop this to £1 a week. I am disabled on ESA Support. After a couple of weeks the agent stopped calling. We then received a letter from shopacheck telling us we needed to pay the contracted payment. I wrote back and told them that is all we can afford, They then said they were going to send someone to my house, I sent them a letter to the effect of do not darken my door etc. As shopacheck have now got very unpleasant I decided to send them a cca request. What we received back was a Recon of an amount we have not borrowed, It looks like all the accounts have been consolidated together, It also states 0% Interest. My question is as these loans were taken out in 2003 would a reconstructed agreement stand up in court, As I was led to believe a debt before April 2007 would need to have the original signed agreement, To enforce the debt. And also as the amount stated on the recon does not amount to any loan we have taken out before, would this recon be enforceable in court. I have enclosed the recon that shopacheck sent me if someone could take a look at it and advise a letter to send back to shopacheck thank you. http://i260.photobucket.com/albums/ii16/microbar123/doc1.gif http://i260.photobucket.com/albums/ii16/microbar123/doc2.gif http://i260.photobucket.com/albums/ii16/microbar123/doc3.gif http://i260.photobucket.com/albums/ii16/microbar123/doc4.gif

recieved a copy of a reconstructed cca from cabot this morning with my name and adress handwritten in and no signitures on the cca , the letter from cabot states, we can confirm we have provided a reconstituted true copy of your credit agreement which for the avoidance of doubt complies with the consumer creditregulations 1983 and therefore complies with the obligations set out in section 77-78 of the consumer credit act 1974 were do i stand on this