OMG need help quickly pse

[carrie52]

hello everyone :tinysmile_grin_t:

not been on for a long time but hope you dont hold that against me!

i have a fossilized loan with lloyds still outstanding.. god, lt must be about nearly 20 yrs old

now , this has been passed to a dca about a month ago

pse bear with me its a bit complicated

l have been paying back this loan and have in my possession statements sent to me by the dca going bk to june 97 l recieved this after asking for a copy of the cca which l knew does not exsist

this loan is so old that lloyds have admitted that they do not have a cca
l also have that in writing

but it gets worse ...

lat year l managed to get rid of almost all my debts by offering a smaller payment to clear the debt
l wrote to lloyds offering £700 in f+f of a £2,700
they agreed so l rang them to pay by debit card , as l had moved a month earlier they said they could not put it through as the card was reg to a different address , no my bank had all my new details and had no prob with this payment
l rang lloyds back and explained this and was told that if they tried again it may come out of my account twice ???
pse try in 2 days time .... this l did and they said the same again
l told them either take the offer or l will offer it to another creditor
they said they could not take the payment
so they got nowt and l ccld my s/o of £1 pm [token payment as unemployed now ]

then the dca letter arrived , rang them explained the above ,offered £1 pm

said no so then l asked for a copy of cca so they sent only the statements of my payments sin]ce 97 to date demanding payment asap [ they have not bought the debt]

can l tell them to go scratch or have l made things worse by offering £1 pm
and in effect admitted owing the debt

thanks for reading x

[frisp]

Re: OMG need help quickly pse

In my view, if there is no agreement then they can't enforce it, even if they use the reconstituted version they have to produce the one with your signature on.

I'd go back to LLyods, copy the DCA, with a SAR under the Data Protection Act (enc a cheque for £10) asking for all data on all systems (there are good templates on here). Inform them until they comply that this account is in dispute and their behavior in this matter is bound by OFT guidance 664until the dispute is resolved.

[carrie52]

Re: OMG need help quickly pse

thanks for your reply, l will check out the template letters and get one
off to both parties asap

thanks again:beagle: