TSB NIGHTMARE

[MrsD]

Re: TSB NIGHTMARE

I think NW is right, they'll get tired in a we while, just keep an eye in case they turn nasty, but you are just swinging them around in a circle just now and it's a waste of your money, it appears they are incapable of reading their own letters. Even although they have admitted that they can't produce any paperwork, they are entitled to ask for repayment, till they are purple in the face if necessary.

[nightwatch]

Re: TSB NIGHTMARE

in that case I would tend to ignore and see what happens,

or send something along the lines of

Dear All.
I still consider this alleged account to be in dispute.

yours with knobs on

O&B

[Oldandblue]

Re: TSB NIGHTMARE

it's a load of old waffle, typical of Moorcroft, when in doubt, waffle shite.

Have you sent the SWID confirming there is no CCA from TSB with a copy (marked copy) to Moorcroft. I'd head it up marked PLEASE READ CAREFULLY

xx

Thanks. Mrs D. Sent SWID in May15 Reply was I've already been informed that a copy agreement was unavailable due to the age of account. They've provided a recon agreement 3 times now but is only up to date T&C's with wrong address on. I then sent missing T&C's and they replied docs sent to me previously meet the requirements of section 78 CCA.

[nanna58]

Re: TSB NIGHTMARE

Normally they put choc sauce on the waffle xx

[MrsD]

Re: TSB NIGHTMARE

it's a load of old waffle, typical of Moorcroft, when in doubt, waffle shite.

Have you sent the SWID confirming there is no CCA from TSB with a copy (marked copy) to Moorcroft. I'd head it up marked PLEASE READ CAREFULLY

xx

[Oldandblue]

Re: TSB NIGHTMARE

have moorcroft said what they will do if you dont discharge your liability in 14 days?

Thanks Nightwatch . No they didn't say,

[nightwatch]

Re: TSB NIGHTMARE

It is normal waffle for Moorcroft & TSB, our TSB account has been passed from one DCA to another even though no CCA was ever sent to us, they all kept insisting we had to pay, TSb kept saying they would send a copy of the CCA when they found it, they never have.

have moorcroft said what they will do if you dont discharge your liability in 14 days?

[Oldandblue]

Re: TSB NIGHTMARE

Hi All,

i sent missing T&C' s letter to MOORCROFT had reply back today it says
Our clients TSB believe the documents sent DO meet requirements under section 78 of CCA.
then go on to explain about section 78 &78a. They then say there are no requirements to provide a signed executed copy of an agreement (section 3(2) CCREGS Only sent up to date T&Cs

Go on to say client TSB has instructed MOORCROFT to seek payment of sum outstanding.The Information Office has confirmed a customer is not obliged to repay the account, but this does not mean there's no enforceable agreement

In addition they will report the conduct of my account to CRA. But I can file a notice of correction .TSB Defaulted this back in 1995 surely they can't put this back on my credit file.

I have 14 days with proposal for discharging this liability.
Can anyone suggest best thing to do next. Thanks

[MrsD]

Re: TSB NIGHTMARE

send the missing t&cs Moorcroft just keep sending their templates because they get confused.

[Oldandblue]

Re: TSB NIGHTMARE

That's a pretty standard reply from the lenders in these circumstances. Doesn't mean it is fully enforceable, and doesn't mean you can't still continue to challenge them.

Thanks Still Waving,
Oh I see. Thought they were sick of me asking over and over again for my agreements so sent that letter and a NOA

[Still Waving]

Re: TSB NIGHTMARE

In the last letter I got from TSB they say
Having satisfied their obligation under SECTION 78 the agreement is FULLY ENFORCEABLE and treated as such, We
WILL NOT enter into any further correspondence with me regarding the provision of copies of my agreements.
Surely they can't do that, maybe it's their way of putting me off pestering them

That's a pretty standard reply from the lenders in these circumstances. Doesn't mean it is fully enforceable, and doesn't mean you can't still continue to challenge them.

[Oldandblue]

Re: TSB NIGHTMARE

Thanks Nightwatch and The Tech Clerk

They have in a way said they don't have the agreement. that is why they have sent a recon. BUT, they can't send a recon of the agreement if they have nothing from that time to prove it, hence the recent T&C, so just send the Missing PT and let's see what happens xxx

Will send missing PT letter a couple of days before MOORCROFT Deadline

they are no doubt following section 77 &79, not section 78 which is copy of original if held, not what it might look like< ? just a thought.

In the last letter I got from TSB they say
Having satisfied their obligation under SECTION 78 the agreement is FULLY ENFORCEABLE and treated as such, We
WILL NOT enter into any further correspondence with me regarding the provision of copies of my agreements.
Surely they can't do that, maybe it's their way of putting me off pestering them

[The Tech Clerk]

Re: TSB NIGHTMARE

they are no doubt following section 77 &79, not section 78 which is copy of original if held, not what it might look like< ? just a thought.

[nightwatch]

Re: TSB NIGHTMARE

They have in a way said they don't have the agreement. that is why they have sent a recon. BUT, they can't send a recon of the agreement if they have nothing from that time to prove it, hence the recent T&C, so just send the Missing PT and let's see what happens xxx

[Oldandblue]

Re: TSB NIGHTMARE

I would go along with Elsa's suggested letter and timing xx

Thanks Nightwatch,
Will send that off to MOORCROFT