lloyds tsb

[ScabHunter]

I don't know about anyone else but I simply can't read the application form/agreement well enough to know whether it is enforceable or not.

 

Can you upload it to Photobucket so it might be easier to read?

 

We really do need to get a consensus on whether or not this is enforceable before knowing how to proceed.

 

SH

[ScabHunter]

OK. Firstly, that "agreement" look totally unenforceable.

 

If what they have sent you is in the same state as your posted version, then it is illegible. From what I can see, It looks to lack just about everything needed for an agreement. This is only an opinion, as it is on here it is clearly not fully legible.

 

When was this sent to you? From your first post, it seems as though the alleged debt has been sold on while the account was in dispute. Naughty.

 

If they wanted to take me to court on the back of that illegible application form I would invite them to do so.

 

Write to Allied International with the "Account In Dispute" letter, as it should never have been passed to them in the first place.

 

Keep all of the letters of evidence of LTSBs misdemeanours for possible future action.

 

SH

[ScabHunter]

You need more than a templated letter for this one, as it is blatant harassment, AND they are trying to collect on an account which is firmly in dispute, AND they are using a private number which was not given to them.

 

Start making a log of all nuisance calls now. It is time to go on the offensive.

 

Make a list of every possible transgression you can think of, as you need to build up the strongest possible case to eventually take this to the ombudsman.

 

SH

[ScabHunter]

That is an interesting letter, isn't it?

 

The first paragraph sounds as though it was written by an eleven year old who has just failed his first English exam -

 

"immediately our Client have authorised us...."

 

Not "Clients have", or "Client has".

 

The last part conjours up some interesting pictures as well, doesn't it?

 

"You must telephone this office immediately to make payment in full using one of the following methods -"

 

I can see people paying with credit and debit cards over the telephone, although as the GM has already pointed out, there is a problem with a credit card asking people to borrow more money, but CASH????

 

I can just see some old boy now, rolling up a five pound note and trying in vain to stuff it into the holes in the telephone receiver. Or maybe you just quote the serial number, and they print off a brand new one the other end? You wouldn't put it past them, would you?

 

And a BUILDING SOCIETY CHEQUE???

 

Roll it into a ball, stuff it into the receiver, and move it along the wires all the way to the offices at the other end, until it comes out in the telephone operator's earhole.

 

What about HSBC BANK?? How can you pay at a bank over the telephone??? Are you supposed to pay your money to the lovely people behind the counter, then have a demolition ball crush the branch into a pulp, still with the people inside it, pulverise it still further with a giant pestle and mortar, and then pour the powder into the telephone receiver so it comes out the other end?

 

I think we're getting into the realms of fantasy here, Jones.

 

Still, it saves having to buy the Dandy or the Beano, doesn't it?

 

SH