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hi all can some one look at this cca please i think it is the real thing, i have posted it on the general debt forum no joy, i hope some one on this forum could comment please advise would be most appriciated thank you
Looks enforcable to me it is executed and it has the prescribed terms, I see you have PPI on the loan have you looked into reclaiming this?
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Thanks do i have to still keep the account in dispute while claiming or go back to my original payment plan with Barclays advise would be most appriciated
First find out if you have good case for reclaiming, do you have a pre exsiting medical condition, were you self employed, bfrom your credit agreement it looks like the PPI was not optional which is very very naughty which is good gronds for a reclaim, once you have sent of a letter to reclaim the account will be in dispute so they cannot chase until it is resloved, its up to you if you want to keep paying them.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
First find out if you have good case for reclaiming, do you have a pre exsiting medical condition, were you self employed, bfrom your credit agreement it looks like the PPI was not optional which is very very naughty which is good gronds for a reclaim, once you have sent of a letter to reclaim the account will be in dispute so they cannot chase until it is resloved, its up to you if you want to keep paying them.
ansewer to the qustions is no is there a template letter i can send to claim do i have to send for all my data they have on me first sorry to be thick i have never done anything like this before
You're in a very similar situatuon to me. I have what looks like an enforceable CCA, but it all depends on wether the PPI was compulsary or not. If it was, then that CCA is unenforceable because the prescribed terms are wrong. They should not have charged interest on it!
My thread is here . You might want to take a look because i've a link to a useful thread in the PPI forum explaining this better.
I'm sending in a S.A.R to try and find out about the PPI. You might need to do the same.
You're in a very similar situatuon to me. I have what looks like an enforceable CCA, but it all depends on wether the PPI was compulsary or not. If it was, then that CCA is unenforceable because the prescribed terms are wrong. They should not have charged interest on it!
My thread is here . You might want to take a look because i've a link to a useful thread in the PPI forum explaining this better.
I'm sending in a S.A.R to try and find out about the PPI. You might need to do the same.
I dunno if this helps you but i hope it does
Hi stikky62 and thanks for your reply it was most grateful
No wescot are not in house for anybody. they are the general will make money were ever we can ppl.
Now i notice u mention about PPI claiming back. Did u start this.?
Now i also notice that the cca says about further t+cs overleaf were u supplied these?
Now i have not seen a agreement like this and cannot say if it is valid or not but i am a bit bermused buy the lack of detail on on the agreement especially the fact that there are no repayment rates or t+cs.
Now wescot youhave 2 options with but these do depend on if u started a PPI claim or not.
Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.
Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.
No wescot are not in house for anybody. they are the general will make money were ever we can ppl.
Now i notice u mention about PPI claiming back. Did u start this.?
Now i also notice that the cca says about further t+cs overleaf were u supplied these?
Now i have not seen a agreement like this and cannot say if it is valid or not but i am a bit bermused buy the lack of detail on on the agreement especially the fact that there are no repayment rates or t+cs.
Now wescot youhave 2 options with but these do depend on if u started a PPI claim or not.
thanks for your reply no i have not started to claim yet i will need advise please how to do that they only sent me the cca, no they have not supplied me with t and cs does that make any diffrence?
Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.
Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.
Its not completely free is it NSE. Its no good to anyone with PPI. CAG is a reasonable checker system
The Checker system will not assess or check Credit Card Agreements or agreements with linked insurance contracts such as Payment Protection (PPI) or Accident, Sickness and Unemployment (ASU) nor will it assess agreements with maintenance contracts. If you have such an agreement please email us at info@checkmyagreement.co. uk and a member of staff will be more than willing to help with checking this type of agreement for you for a small fee.
is the cca enforceable
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Originally Posted by adamski
no i have not looked into reclaiming could you point me in the right direction please 
