C.C.A. turned up after 12 months???

[bigal9ball]

HI,
I"ll try and keep this as short as possible-Myself and my ex-partner took out a £1000 loan with FIRST NATIONAL in june 2000 and i had been paying the monthly repayment every month without fail even when my ex-partner and i split up-then all of a sudden GE MONEY had taken over the loan and i read on this forum about requesting a copy of my C.C.A. which i duly did in march 2007 and nothing was produced but all of a sudden GE MONEY started hassling my ex-partner for the debt and ringing her about 6 times a day but they never contacted me once after i had sent off the C.C.A request!
Now all of a sudden a firm called LINK FINANCIAL have taken over the debt and i have been through the same scenario with them as with GE MONEY about the C.C.A request for the past 6 months.
Yesterday a copy of my original C.C.A. arrived on my doorstep!! God only knows where theyve pulled that up from when GE MONEY couldnt produce it and its taken LINK FINANCIAL 6 months to produce it?
Could you please tell me where i stand from this stage on now please?
Am i liable for all the interest that hasnt been paid since my C.C.A. request in march 2007?
Can LINK FINANCIAL produce my C.C.A. after all this time?
Why has my debt been passed on 3 times??
As it stands im waiting for a call from LINK FINANCIAL to ask me if ive recieved my C.C.A request but i"ll avoid their call for a while until i get together as much info as i can.
Any help would be gratefully apprieciated----regards--BIG AL

[ODC]

I suggest you post on here with personal details ommitted the CCA that Link claim is valid. It seems strange that they can suddenly produce it when the others couldnt

[bigal9ball]

my scanner is not working! been trying all day-will try and post it off a friends scanner tomorrow-thanks--BIG AL

[bigal9ball]

I have the CCA as a scanned image (jpeg).

Can anyone tell me how I post it into the forum thread ?

[boyboynova]

Hi Big Al,
Try using Photobucket,to download your image.

[rory32]

Also have a read here "How do I...?" A Dummies' Guide to this Forum

[bigal9ball]

They are now threatening me with court action - here is a copy of my CCA that they sent me 12 months after I requested it:

[Having_A_Knightmare]

It looks enforcable to me.

Dod you get any terms and conditions.

HAK

[boyboynova]

Would,t they have to go to court now tho to enforce it.

[Having_A_Knightmare]

The judge would exept the agreement even if it arrived outside the time limits

[mrmarmite]

it says terms are on the back

[gymfreak1978]

amazing to think you could buy a property for 20K back in 1995, wonder if these days will return,

[mrmarmite]

Originally Posted by gymfreak1978

amazing to think you could buy a property for 20K back in 1995, wonder if these days will return,

I hope not, my mortgage is for 106k, ATM house worth 193 as said ATM but will prob change, i will say that my 1st home (2 bed flat) done me favor, brought for 60k in 2000 sold it in 2005 for 145k moved to semi detached 3 bed brought for 166.5k

[Brassed off]

I bought my semi for £33K seven years ago

[mrmarmite]

Originally Posted by Brassed off

I bought my semi for £33K seven years ago

LMAO wassat then? a converted baked been can or a SMALL jar of Marmite lol

[Brassed off]

Oi you - post 7 - Bigal - remember? His thread

Ok, off to find the prescribed terms stuff

[Brassed off]

I agree with HAK, looks enforceable but have they sent the T&Cs from 2000?

Is your signature correct Big Al?