Thread: Is this enforcable

Please could someone on here look at the agreement on my thread below and tell me if it is enforcable.

http://www.consumeractiongroup.co.uk...hasing-me.html

Any advice would be gratefully received.

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Um... Not really up on 2004 vintage ags but as I understand it:

If it's a revolving credit facility it should show-

The credit limit or how it is determind or that there is no credit limit.

Can't see this on the main ag, the T & C's are not clear enough to read.

Have a look at the copy you have to see if you can see it.

David

PS - If you can't read what you have been sent (T&C's), directly refered to in the main agreement, they would need to provide a legible copy to get anywhere.

The part I signed is here http://www.consumeractiongroup.co.uk...ml#post1503007

I cut out my signature before posting.

The Loan was with Morgan Stanley.

Liverpool Victoria 'bought' all Morgan Stanley loans.
As soon as I got a letter from LV I CCAd them.

This is what I got back. I then sent a SAR to them.

I heard nothing until now, when I get a letter saying Cabot have bought the debt.

I am very confused what action to take

I have never had any goodbye letters.

The first I knew about LV was when they demanded payment.

LV said that they had taken over all Morgan Stanley loans.

Cabot have sent me a letter with a welcome to them & a letter printed by them that pretends to by from LV (IMO)! It has Cabot references on the footer in small print!

Should I CCA Cabot?

Should I send a letter to LV disputing my account because they have not complied with SAR? I am sure that there are charges on there.

Help

The only copy I have is the one LV sent to me whe I CCAd them.

Right

it is IMHO missing the following points

1. no Total Charge for Credit

2. No Total Amount Payable

3 APR is incorrect and is infact 8.5%

4 Rate of interest is incorrect and should be 8.21%

so while this is not a prescribed term that is misstated, you have been denied the statutory protections that the CCA 1974 was designed to offer

Thanks for that.

In your opinion, should I send a dispute letter to LV or should I CCA Cabot & then dispute with them?

Cabot, if they are chasing you

David

Originally Posted by pt2537

Right

it is IMHO missing the following points

1. no Total Charge for Credit

2. No Total Amount Payable

3 APR is incorrect and is infact 8.5%

4 Rate of interest is incorrect and should be 8.21%

so while this is not a prescribed term that is misstated, you have been denied the statutory protections that the CCA 1974 was designed to offer

pt please can you tell me where this information is ordering these to be included. I have a thread in legal at the moment.