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£1200+ Bank charges/Ignore reclaim letters


Silky444
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My Lloyds TSB account was opened by my mum when i was a baby, So i haven't signed anything - can i still CCA them :S even it it's a current bank account?. also i have sent 4 letters explaining that they are the reason why i've gone under with re-paying all my other credit cards/bills - but they haven't replied to any of the letters :mad: . I sent one off on tuesday - but no answer yet, i refuse to talk to them on the phone until i get a personal reply from them via letter. also - if i opened a bank account online. Can i still CCA?

 

cheers :|

The guy upstairs seriously has a problem with me.. Nothing seems to go right!!!:|

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Hi Silky.

 

If it's a current account then you will not gain anything by sending a CCA request. That is only of use if there is a credit agreement in force, for example if it was a credit card account.

 

Do you have all your bank statements for the current account?

 

Els

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Oh XD I do have a credit card with them too but that's been passed over to a DCA even though they know full well what my situation is, and yes i have all of them scatted all ofer the place.

The guy upstairs seriously has a problem with me.. Nothing seems to go right!!!:|

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