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Lloyds TSB reconstituted agreement


sheffworker
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Hi

am currently trying to help someone with a CCA request.

 

We have received a letter back that says

 

"I have enclosed with this letter a copy of the reconstituted version of your executed agreement

and a signed statement of your account.

 

By providing you with the documents attached to this letter, we have satisfied our obligation to provide a copy of the executed agreement under section 78.

 

There is no requirement under the CCA to provide you with a copy of the original signed agreement, b

ut notwithstanding that fact, please find enclosed a copy of the front page of the original agreement proving your signature.

 

The prescribed terms of the agreement would have been validly incorporated into the agreement on the reverse of the enclosed sheet or a seperate attached sheet."

 

Is this right?

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Hi sheff

 

Welcome to CAG

 

Have a read of 1,2,3,4, 5 and 6 (summary of the key points at the bottom) in my signature.

 

Please let us know how your problem has been resolved, it could help fellow Caggers.

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whats the debt all about

 

how old etc.

 

there is little point now-a-days trying to wriggle out of a debt by a paperwork 'error'

 

tell us the history please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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history please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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pre or post 2007?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

ok well there is a chance it might b un-en

 

but honestly, if has bee using and paying the card since then

it would be a bold & stupid person that stood infront of a judge and said this debt is not mine.

 

i assume that he has debts issues here?

 

has he ever looked at reclaiming PENALTY charges and ppi?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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