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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.

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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


      • #18
        Originally posted by Arthur View Post

        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

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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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