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1st credit and Lloyds TSB Platinum credit card


hunterandthehunted
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lol cas,

 

i could have got my other half to sign as it is a joint account. i am learning:) . slowly but surely....:-D

 

 

hi inoofthepost,

i have read enough threads on here to know that they will be back.

best to be prepared, uh.

 

regards

hunterandthehunted

 

dear experts,

 

here is the letter i received in response to my CCA request. is this valid as proof of my request?

 

regards

hunterandthehunted

 

how can i make it bigger....

 

sorry

hunterandthehunted

1st credit response to CCA request.jpg

regards

hunterandthehunted

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cheers for that cas,

 

yes i am re-assured on that front now ( CCA request ).

 

i want to learn how to upload the images for the future.

thanks once again for coming to the rescue. i will have another go tomorrow as i am off to work now.

 

catch ya later

 

hunterandthehunted

regards

hunterandthehunted

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marjie06...you need to send the CCA letter to 1st credit ( letter N) and get the ball rolling ..they use LCS Solicitors who are a trading style of 1st credit and not actually a firm of solicitors and have a series of template letters that they send out......its now about you taking control and the first step is to check out if they have an agreement.

Live Life-Debt Free

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dear experts,

here is a scan of the letter i received from 1st credit regarding my CCA request. will this suffice as proof of my request.

 

many thanks

hunterandthehunted?action=view&current=1stcreditresponsetoCCArequest.jpg

 

it has'nt worked again... damn...

 

lets try this...1stcreditresponsetoCCArequest.jpg[/img]

 

1stcreditresponsetoCCArequest.jpg[/img]

th_1stcreditresponsetoCCArequest.jpg

regards

hunterandthehunted

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Erm yeah ok, what do we have here

 

Answer

 

a complete Load of B*LL*CKS

 

 

yes that is proof enough

 

firstly, statements do not cost ten pounds, they are covered by the CCA 1974 - Morons

 

seciondly they are seemingly claiming an absolute assignment as they refer to the Law of Property act

 

so they have the responsibilities for compliance with your request, it matters not if they wrote to the queen or prime minister the fact remains they have 12 working days period

 

regards

paul

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thanks paul,

however could you read that from that small image, i have got another couple of letters i would like you to take a look at, as soon as i get to grips with this photobucket thing..

 

as always your comments are appreciated..

 

regards

hunterandthehunted

regards

hunterandthehunted

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Now, that is interesting, personally...

 

i note that they are actually customising the letters they are sending me;) LOL.

 

 

Your assignment specifies that it is the assignee of only the benefits of the account... therefore, it is an equitable and not legal assignment. another little thing to note is that s136 of LOPA 1925 does not actually say they do not need to produce the document of assignment; it is entirely neutral on that point.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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thanks tomterm8,

 

i don't really understand though, i thought that if they acquired the debt from lloyds they are entitled to provide the paperwork which goes with it.

 

take a look at this letter.....

 

regards

 

hunterandthehunted

 

1stcreditassignmentletter.jpg

regards

hunterandthehunted

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thanks tomterm8,

 

i don't really understand though, i thought that if they acquired the debt from lloyds they are entitled to provide the paperwork which goes with it.

 

take a look at this letter.....

 

with a contract there are benefits (i.e. things you recieve) and burdens ( i.e. things you must do). 1st credit say that they own the benefits of the contract, but have none of the burdens.

There is a particular form of assignment that covers this case... equitable assignment ... rather than legal assignment which requires both benefits and burdens to be assigned.

They couldn't take you to court on your own, they would need to be joined in an action with the original creditor. (i.e. both credior and first credit would need to sue you).

it's quite a technical legal point.

regards

 

hunterandthehunte

:D

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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hunterandthehunted, I really wouldn't be concerned... I've seen 1st credits contract; 1st credit has a contractual right to this info.

 

if Lloyds don't comply, it means they simply don't have the credit agreement.

 

Frankly, what they are saying to you is BS of the finest order.

 

don't forget, you can CCA Lloyds TSB direct, since they still have the obligations of the contract.

  • Haha 1

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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tom,

i have got to ask a really stupid question while i have got your attention.

 

why do creditors lose or mislay or even destroy CCA agreements when us debtors cause them so much grief over their incompetence to keep them?

 

regards

hunterandthehunted

regards

hunterandthehunted

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tom,

i have got to ask a really stupid question while i have got your attention.

 

why do creditors lose or mislay or even destroy CCA agreements when us debtors cause them so much grief over their incompetence to keep them?

 

regards

hunterandthehunted

 

'difficult to say,

 

but i guess they do so because they hope you wont know youre rights and challenge them

 

many DCAs take legal action in the hope that you will not defend and they win by default judgment

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It's a bet. It doesn't normally matter if the client is not in default; even if they default, 90% of people don't know the CCA 1974, and so for every 10,000 agreements you might get a single CCA request.

 

Until a few years ago, the cost of scanning and storing 10,000 credit agreements was substantially higher than the cost of losing the 5p in a pound that a normal assignment brings in.

 

( BTW, this is just my opinion, not the opinion of the CAG team).

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Hi Goldlady Judge told him to get them in and court would go through it, when he asked for time span Judge replied as long as it takes, I will start on reclaim as it should'nt have got this far they should'nt expect anymore. I came out walked down street and cried (daft i know) but the relief was so great a huge cloud lifted.:D

 

Gerona I'd like to know why it takes two solicitors oh and there is about 50 + phone calls on list, letters for this and that.

 

Sosumi you are quite right, it is a cheek they must want to squeeze the last breath out of everyone and shows how much money they must actually make as the man from connaught last week told me they buy for less than is owed - that is outrageous!!!!!!!!!!

 

HI There, hunterandthehunted

i too am new to this site and without the help of the lovely people on here i dont know where i'd be today, i was in court taken there by 1st cred/ connaught so from 1st hand experience they do sometimes carry out their threats. I would carry on paying your monthly payments if you can, dont speak to them on phone as it probably ill truths anyway. It's time these people were brought to count, have you recieved a stat demand?

By the way welcome

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