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Letter of Claim Restons for Cabot/Lloyds OD

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  • #16
    I think now might be a good time to send a Subject Access Request to Lloyds to get the full history of this account.

    You didn't need to respond to Cabot's letter since you have the evidence of sending a valid CCA Request together with the £1 statutory fee (although at the moment it's not clear whither a CCA Request will be relevant if the overdraft wasn't renewed annually after 2012).

    It may make sense if you ask for help on the forum before writing/communicating with your creditors or their solicitors.

    Di
    Legal Disclaimer

    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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    • #17
      Thanks for the reply, hopefully jumping before asking hasnt caused any problems..

      ill get a SAR request off tomorrow to Lloyds

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      • #18
        Originally posted by Arthur View Post
        Hi.

        So after a period of no response I got a letter today from Cabot thanking me for my 77/78 CCA request but stating that they could not process it as I had not included the £1 statuary fee. I have sent back to them the postal order reference number, the receipt from the post office and a copy of the picture I took of it with the original request letter, hopefully that will jog a memory for them. Is this usual to write back saying payment wasn't included? If it comes down to it will I need to send another one to them?
        No response as yet from Restons to my LBC.....
        Hi, yes it can be quite normal,request goes one way payment goes another.

        I had onewho wrote saying i needed to send the payment, but I had paid by cheqe, happily told them they had cashed it the same day they had sent the letter out asking for the £1,
        suggested they had auditors in to check the bank balance, other then that they should have a whipround to replace the money lost,
        never heard from them again

        no you don't need to send another, you have sent proof that it was enclosed with your request, Ball is in their court.
        just sit and see what comes next

        NW x
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #19
          You want to make a note of this as they are known to take the £1 as a payment to the account thus down the line when you think itís SB they crop up with you made a payment on such a date of £1 thus prolonging SB date.
          Iím sure some of the more experienced heads will be along to advise accordingly.

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          • #20
            Just a quick update...nothing to report, no communication from Restons or Cabot. I have sent a SAR request to Lloyds...guess I just need to wait. Enjoying the silence to be honest

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            • #21
              Originally posted by Arthur View Post
              Enjoying the silence to be honest
              Absolutely that.......Enjoy the peace

              You may find that you have to get used to it on a permanent basis.......Fingers crossed

              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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