Ang V LTSB

[angmarie]

Capricorn

 

Go back into tinypics do you mean cause i went back onto my post but cant find remove attachment.

 

Many thanks

 

Ang

[Spamalot]

Hi Ang,

 

Did you scan it originally and remove the details in paint?

 

Spam.

[Capricorn1601]

Hi ang

 

If you go to edit the post....

 

press Go advanced

On the additional options box there should be an option to remove attachment.

 

Edit your doc then re attach

 

 

Hey presto!!

[angmarie]

Hi all

 

Yayyyy got there in the end.

 

 

Ang

[angmarie]

Hi Capricorn

 

I have had a letter today from Customer Service

Recovery saying due to high volume of such requests:rolleyes: we still require extra time.

I am still obliged to make payments, as these collection activities are proper and reasonable, permitted by law even if the account is in dispute.

As long as I am happy with the way they have dealt with my complaint (what complaint I made cca request).

So I know have 2 similar apology letters and Default served in the flaming middle. Whats going on!!

 

 

Ang

[Spamalot]

Have a look at mine Ang..

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/206396-spamalot-lloyds-tsb-credit-4.html#post2451116

 

I was ready to blow a gasket!! Still am..

[Capricorn1601]

typical lloyds, just like egg.... "we are dealing with your complaint but will take time. And we will drag it out so you have to keep paying us more money which we arent entitled to....."

[angmarie]

Capricorn

 

I stopped paying as soon as I put account in dispute, thats why they getting so upset. Should I have continued paying them.

 

 

Ang

[Spamalot]

NOOOOOOOOOOOOOOOOO as soon as you pay them it means you acknowledge there is an agreement in existance.... that's why I was so peed off today... they paid themselves out of my old bank account !

[Capricorn1601]

No

 

I did too. When its in dispute you are not obliged to pay them. IMHO if you do it like admitting the debt is yours (yes I know it really is), but if they dont have the paperwork to enforce it within the specified period then they are in the wrong.

 

Just think of it this way. You receive a monthly statement each month, if you cant find your cheque book or get on line to transfer the money to them or forget before the deadline, then they come down on you as you are in the wrong. If they dont provide the paperwork in the time the law sets down then they are in the wrong. Yes I know we have spent the money in the first place, and if it comes to court there may be an occasion where a holyier than thou judge might say its wrong to stop payment, but we are doing it lawfully. They should not be asking for payment, they should not be defaulting our accounts whilst in dispute, they should not be adding interest and charges whilst in dispute. They do however, and its wrong.

[vint1954]

Hi Capricorn

 

I have had a letter today from Customer Service

Recovery saying due to high volume of such requests:rolleyes: we still require extra time.

I am still obliged to make payments, as these collection activities are proper and reasonable, permitted by law even if the account is in dispute.

As long as I am happy with the way they have dealt with my complaint (what complaint I made cca request).

So I know have 2 similar apology letters and Default served in the flaming middle. Whats going on!!

 

 

Ang

Previously posted by Angry Cat

 

9 BREACH OF THE ACT OR REGULATIONS

 

9.1 If a creditor does not give the debtor an annual statement in respect of a

fixed-sum credit agreement when he is required to do so, then he is not

entitled to enforce the agreement during the period of non-compliance. In

addition, the debtor is not liable to pay any interest calculated by

reference to the period of non-compliance, or any default sum which

would have become payable during that period or which relates to any

breach occurring during the period.68

 

9.2 Similar consequences apply if the creditor fails to give a notice of sums

in arrears under a fixed-sum or running-account credit agreement.69

 

9.3 If the creditor fails to give a default sum notice, he is not entitled to

enforce the agreement until the notice is given.70 If the creditor fails to

give a notice of post-judgment interest, he is not entitled to charge

interest until a notice is given.71

 

9.4 Where a creditor fails – on request and upon payment of the appropriate

fee by the debtor - to provide the information required by sections 77-79

and 97 of the 1974 Act, the creditor is not entitled to enforce the

agreement whilst the default continues. If the creditor fails to provide

information relating to any security, pursuant to sections 107-110, he is

not entitled to enforce the security instrument.

 

9.5 In addition, the OFT and Local Authority Trading Standards Services

have powers under Part 8 of the Enterprise Act 2002 to take

enforcement action where there is a breach of legislation which harms

68 Section 77A(6) of the 1974 Act as amended

69 Section 86D of the 1974 Act as amended

70 Section 86E(5) of the 1974 Act as amended

71 Section 130A(2) and (3) of the 1974 Act as amended

OFT1002 29

the collective interests of consumers.72 Enforcement action may also be

taken where appropriate under the Consumer Protection from Unfair

Trading Regulations 2008.73

 

AC Are you letting your bank keep your money Are you giving away thousands of pounds??

 

Many people aren't claiming all of the money they are entitled to when they make their bank charges claims.

 

You have been forced to pay unfair bank charges.

Have you forgotten that your bank has charged you inteest on those charges?

If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you.

Yet you are paying interest to the bank - on your own money!!! - a nice little earner for your bank.

 

Follow this link to see the discussions on this.

You might even double the size of your claim.

[vint1954]

Hi Capricorn

 

I have had a letter today from Customer Service

Recovery saying due to high volume of such requests:rolleyes: we still require extra time.

I am still obliged to make payments, as these collection activities are proper and reasonable, permitted by law even if the account is in dispute.

As long as I am happy with the way they have dealt with my complaint (what complaint I made cca request).

So I know have 2 similar apology letters and Default served in the flaming middle. Whats going on!!

 

 

Ang

Hi Ang,

 

Have you sent the letter from post 26? If so just write back referring them to that letter, reminding them that it is not a complaint at this stage.

 

They realy are fools. If you make a complaint, then they have 8 weeks to resolve it.

 

If you make a CCA request, they have 14 working days from posting.

[vint1954]

Have a look at mine Ang..

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/206396-spamalot-lloyds-tsb-credit-4.html#post2451116

 

I was ready to blow a gasket!! Still am..

As I've said before spam, dont get mad, get even:D

[framboise]

Subscribing.