CCA and overdraft, Enforcement Notice, DN etc...........

[nelliewops]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Just popped in to see how things were going ???

Seems all (thankfully) very quiet, so hoping that you won the day against LTSB !:tung:

P :beagle:

Hi Pandora,

Thanks for popping in to see how I was getting on

I did recently receive an unprompted offer of a greatly reduced Full & Final settlement from Lloyds on this current account, but as it is currently under investigation by the FOS in connection with another complaint, I have ignored this offer for now. Promise to try to remember to update this thread when there's any news!

Nellie xxx

[pandora]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Well done Nells !!

Fingers crossed for you ... but a "reduced offer of settlement" tells its own story don't you think ...

I'll pop in as and when ...

P x :beagle:

[nelliewops]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Hi P,

Yes, indeed it sure seems that way - to be honest I think they're probably wanting to see the back of me, as I've put in soooooooooo many complaints over the last few years, lol!

Nells xxx

[di30]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Hi hun

Hope your well and only just came across this one, but not had time to go through all your posts.
Did they send you any CCA on this one or anything in relation to your account, will have a read through your thread later on though if you don't want to go over all this again lol. (Have some visitors who will be going home shortly).

[nelliewops]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Hi hun

Hope your well and only just came across this one, but not had time to go through all your posts.
Did they send you any CCA on this one or anything in relation to your account, will have a read through your thread later on though if you don't want to go over all this again lol. (Have some visitors who will be going home shortly).

Hiya Di

Yes, I'm fine thanks - hope you are too? Thanks for taking a look for me!

No, it being a current account they've sent nothing and there was nothing in my SAR relating to it, but the account was opened quite a few years ago - 1990s.

Take care,

Nellie xxx

[di30]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Hiya Di

Yes, I'm fine thanks - hope you are too? Thanks for taking a look for me!

No, it being a current account they've sent nothing and there was nothing in my SAR relating to it, but the account was opened quite a few years ago - 1990s.

Take care,

Nellie xxx

Hi hun

Glad your ok, and not too bad here either thank you.

Bl**dy Lloyds!

Mine was opened in the 90's with them as well, glad I don't bank with them anymore though, and at least the bank we bank with now have been very helpful, well compared to lloyds anyway lol.

You too take care XXX

[Stonybroke]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Hi there,

Thanks to everyone for their posts -they've been really helpful. I've got two questions. First, will the EU directive be retrospective and, secondly, what's the position if you started with a small overdraft which was then increased over the years on the phone without anything in writing? I'm with Lloyds as well and they're chasing me even though I'm unemployed and their charges are making my overdraft get bigger!

Sorry if I've posted this in the wrong place, but I'm sure someone will help. Keep up the good work.

[pandora]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Just popped into see how Nells was doing .... seems quiet so that's good.

To Stoney, although the revision may have been conducted orally, IMHO they would still need to send you formal (written) notification of what your revised OD facility had been amended to.

About the EU directive .. shall have a look at this and get back to you on that if I may .. try Peter Bard esq - he's generally v good on the legals ...

P:beagle:

[nelliewops]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Just popped into see how Nells was doing .... seems quiet so that's good.

To Stoney, although the revision may have been conducted orally, IMHO they would still need to send you formal (written) notification of what your revised OD facility had been amended to.

About the EU directive .. shall have a look at this and get back to you on that if I may .. try Peter Bard esq - he's generally v good on the legals ...

P:beagle:

Hi Pandora,

Thanks for popping in to see how I was doing - that's very kind of you

Yep, don't want to speak too soon, but all quiet on the western front in relation to LTSB - am awaiting some LTSB PPI/other updates from the FOS now that the JR appeal is not happening, but we're also busy moving (hopefully, if our exchange ever happens, lol!) so have been a bit caught up with packing/planning removals etc.

Take care,

Nells xxx

[CleverClogs]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

First, will the EU directive be retrospective

As it probably did not originate within the UK, its implementation is likely to be grudgingly patchy and painfully s-l-o-w.

Only EU directives that started as a clever idea or cunning plan by a civil servant in the UK - and then were disguised as an EU Directive as they would/could be unpopular - are ever implemented fully and quickly.

[CleverClogs]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Having re-sent the request for the overdraft facility letter (which I had done prior to this thread taking off!) LTSB have again replied with a response that doesn't address my request.

Having in their previous letter referred to the account number I quoted as a (albeit incorrect) credit card number, they have now decided that what I'm seeking sight of is a loan agreement

Their letter states -

'Thank you for contacting us about a personal loan...

I'm not sure if they just employ total nincompoops or what

I believe they may also employ partial nincompoops and that the policy is known as Care in the Community.

They haven't returned my £1.00 postal order either - cheeky whatnames!

Sue them!

At this stage I don't know whether to just give up on the idea of getting a straight answer out of Lloyds (which is no doubt what they want me to do) or keep at them.........any further suggestions please, guys and girls?

Had you considered praying to St Jude who I understand is now the patron saint of UK and Irish banks?

[Garlok]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Hi Stony,

You need to very careful about retrospective laws and directives. It is a fundamental principle of the Lisbon Treaty for all EU citizens that you cannot be disadvantaged by any retrospecticve law or regulation. This is one of the good bits in general for us mere mortals that our political betters could not sign us out of. However it must be applied even handedly and also applies to the opposition as well.

I believe it will become or be moulded into a very complex issue in the end.

regards
Garlok

[Guest]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Hi
THese ammendment will apply to all overdraft agreeements, (that does not mean the bank agreement of course, that would be unregualted anyway) executed after Feb this year.

I think they will be a great improvement to the previous system, all overdrafts issued to our European cousins have had this provision for some time.
I thnk you will find that current account agreements will have a CCA section contained within them to if they intend to prvide this facility from the approved date.

Peter

Petr

[pompeyfaith]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Greetings Nellie,

Are you all settled into your new home now and did you get another oven sorted?

[nelliewops]

Re: CCA and overdraft, Enforcement Notice, DN etc...........

Hi PF

Yep, all settled in, thank you..........well, if living out of hundreds of boxes in a building site counts as 'settled', lol!!!

Was going to pm you........will do in a bit,

Nellie x