***Please Help- CCA***

[6hofsunshine]

I am new to this site but i really need some advise.

Having seen many people win 'unenforceable cca' it got me thinking.

I am 99.9% certain that i wasnt even 18 when Lloyds tsb offered me a credit card!

So i sent them a letter with £1 for a copy of my CCA.

 

After 4 months I hadnt heard nothing and sort of forgot all about it until I seen the person who lives in my old house and said there was mail.

Upon collection of my mail, one letter was from lloyds and inside was a copy of terms and conditions of credit cards....No signature or personal details at all...but also sent to my old address.

 

Any ideas where i can go to from here? As this didnt have a date on etc I cant see how old i actually was when i took this credit card.

 

It was before April 2006 aswell so hopefully there is somethin I can do!!

[Pinky69]

I doubt you would have been issued one if you weren't 18. What makes an agreement enforceable is a reference to a credit limit, an interest rate and a repayment schedule and they must be in the same section as the signature box. Sounds as if what they have sent you is just a copy of the Terms and Conditions and no agreement.

[cds]

you really need to post up the docs for a full responce

 

cds:)

[deathbycrayons]

Subbing..

[diddydicky]

how old are you now?

 

has it been more than 6 years?

[6hofsunshine]

Yeah it is over 7 years now, all they sent me was a copy of the t&c's! Were do i go from here?

[diddydicky]

nowhere the debt is statute barred if you have made no payments towards it and not acknowledged the debt in writing for 6 years the debt is dead

 

tell them to F** off!! (politely of course)