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Hi, CSL have been managing my Lloyds bank credit card debt since since 2015. As advised by Sarah (Debt Camel) I wrote to CSL requesting the CCA associated with this debt. This could not be produced by CSL. CSL also contacted Lloyds who wrote and told me that due to the length of time over six years they would not have kept any paper work and therefore could not produce the CCA.
I was then informed by CSL that they had been in contact with their client Lloyds bank who had informed them that the debt is still enforceable even though they could not produce the CCA. I also received a letter from LLoyds bank complaints department on 6/2/24 following CSL reaching out to them informing me that because my complaint was over 9 years old from when I defaulted (2004) they did not have any information as they are only required to keep historic information for six years.
Following this letter I was advised by Sara to send CSL a letter re ‘the FCA rule CONC 13.1.6
“(1) Failure to comply with the provisions [by no supplying a tru copy of the Consumer Credit Act Agreement] means that the agreement becomes unenforceable while the failure to comply persists, and the courts have no discretion to allow enforcement.
(2) In such cases, a firm should in no way, either by act or omission, mislead a customer as to the enforceability of the agreement.”
Yesterday I received a package form Lloyds bank after CSL got in contact with them following my letter. Basically I have received all information Lloyds held on my credit card account (DSAR). Their complaints department have been handling this and they have labelled it Debt Dispute/debt avoidance. I have looked through the paperwork and identified the following – copies of my recent letters to CSL/Lloyds and theirs to me, copies of conversation/ emails conversations between colleagues in Lloyds re my account, date credit card account opened (2004) date defaulted , date Lloyds transferred debt to CSL 2015, card holder guide 2009, list of payments to Lloyds, list of payments to CSL, personal details, credit card statements, notes between CSL and Lloyds. Looks like Lloyds still own debt and CSL have been managing the repayment. Comments in notes I have identified – internally Lloyds have advised account stays with CSL and recovery strategy will need to continue, ‘CSL are uncomfortable with this you can look to bring it to a case clinic’. This was documented on 8/4/24. The covering letter I received from Lloyds says ‘enclosed is the information you asked for based on what you have told us and your rights. Still no signed CCA.
I informed Sara today of the above and she suggested I contacted you to find out if you can help me re where I stand re the CCA, and Lloyds involvement/stopping payment, are you able to advise? Thank you Pinkish
I was then informed by CSL that they had been in contact with their client Lloyds bank who had informed them that the debt is still enforceable even though they could not produce the CCA. I also received a letter from LLoyds bank complaints department on 6/2/24 following CSL reaching out to them informing me that because my complaint was over 9 years old from when I defaulted (2004) they did not have any information as they are only required to keep historic information for six years.
Following this letter I was advised by Sara to send CSL a letter re ‘the FCA rule CONC 13.1.6
“(1) Failure to comply with the provisions [by no supplying a tru copy of the Consumer Credit Act Agreement] means that the agreement becomes unenforceable while the failure to comply persists, and the courts have no discretion to allow enforcement.
(2) In such cases, a firm should in no way, either by act or omission, mislead a customer as to the enforceability of the agreement.”
Yesterday I received a package form Lloyds bank after CSL got in contact with them following my letter. Basically I have received all information Lloyds held on my credit card account (DSAR). Their complaints department have been handling this and they have labelled it Debt Dispute/debt avoidance. I have looked through the paperwork and identified the following – copies of my recent letters to CSL/Lloyds and theirs to me, copies of conversation/ emails conversations between colleagues in Lloyds re my account, date credit card account opened (2004) date defaulted , date Lloyds transferred debt to CSL 2015, card holder guide 2009, list of payments to Lloyds, list of payments to CSL, personal details, credit card statements, notes between CSL and Lloyds. Looks like Lloyds still own debt and CSL have been managing the repayment. Comments in notes I have identified – internally Lloyds have advised account stays with CSL and recovery strategy will need to continue, ‘CSL are uncomfortable with this you can look to bring it to a case clinic’. This was documented on 8/4/24. The covering letter I received from Lloyds says ‘enclosed is the information you asked for based on what you have told us and your rights. Still no signed CCA.
I informed Sara today of the above and she suggested I contacted you to find out if you can help me re where I stand re the CCA, and Lloyds involvement/stopping payment, are you able to advise? Thank you Pinkish
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