Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    yogababe Novitiate

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    Default unenforceable northern rock agreement

    Hi sorry, carrying this on, this is the copy of the credit agreement i got back from Northern Rockicon, outside of the 12+2 days!
    the interesting thing, is the front page is a black and white copy of my signed agreement, the 2nd page is a colour copy of the T & C, on different paper in a different format!

    does this help my case?
    thanks

    it also doesnt have any cancellation rights on it, and i took it out to clear other credit card debts, does that make a difference? Someone said they thought it would
    T

    Attached Images

  2. #2
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    Default Re: unenforceable northern rock agreement

    Hi yogababe, unfortunately your image is still too small, can you upload a larger file to somewhere like

    photobucket

    Just click on the link above, you need to register.. it is free. Then when you have uploaded your image there, click on the 3rd or 4th url, highlight, right click, copy, then hot foot it back here open a new reply window and paste your image.

    Can you tell me if this is a loan please. I have no idea on cancellation rights.

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read
    BCOBS

    When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.


    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE

  3. #3
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    yogababe Novitiate

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    Default Re: unenforceable northern rock agreement


  4. #4
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    yogababe Novitiate

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    Default Re: unenforceable northern rock agreement

    and yes this is a personal loan

    T

    x


  5. #5
    N.P N.P is offline
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    Default Re: unenforceable northern rock agreement

    Mmmm,

    My mind is boggling as to why you have posted a link to Photobucket?

    If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<<

  6. #6
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    Default Re: unenforceable northern rock agreement

    Quote Originally Posted by N.P View Post
    Mmmm,

    My mind is boggling as to why you have posted a link to Photobucket?
    nice one yogababe.. did you actually register and upload your image to an album ?. Once you have done that you click on the image, then scroll down to bottom right hand side where you have a button that says "generate html code" or something like that anyway. Click on that button, then highlight the 3rd code , right click, copy then paste it over here.:grin:

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read
    BCOBS

    When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.


    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE

  7. #7
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    Default Re: unenforceable northern rock agreement

    well, u can see wot a good techy i am cant u?? LOL
    Hope this time it works,
    Northern Rock picture by yogababe - Photobucket


  8. #8
    N.P N.P is offline
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    Default Re: unenforceable northern rock agreement

    Mmmm,

    Still dodgy! You need to copy and paste the `IMG Code` Link from your Scan, and the result would be the image showing on your CAGicon post, like so -







    Also, leave two or three `empty` lines above and below your `IMG Code`, to seperate it from any text you may add

    Hope this helps.

    Regards



    N.P

    If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<<

  9. #9
    N.P N.P is offline
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    Default Re: unenforceable northern rock agreement

    I don`t see any `Cancellation Rights`.

    Where was this account opened/signed?

    If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<<

  10. #10
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    Default Re: unenforceable northern rock agreement

    Quote Originally Posted by N.P View Post
    I don`t see any `Cancellation Rights`.

    Where was this account opened/signed?
    The date under the NR signatory is typed in. If you didnt sign on the premises was it sent to you like that ?

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read
    BCOBS

    When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.


    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE

  11. #11
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    yogababe Novitiate

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    Default Re: unenforceable northern rock agreement

    hi, yes this was sent to me and signed at home, and like i said there are no cancellation rights and the copy of the t & c is in colour and in a different font.

    t


  12. #12
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    1miller Novitiate

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    Default Re: unenforceable northern rock agreement

    Hi I have the same agreement with Northern Rockicon. I wrote to them about no cancellation rights but they told me it was not necessary to be included in the agreement.

    They said I would have been sent this information before but I don't remember getting anything.

    Also the money was paid to me during the cooling off period which seems strange if they were aware I could cancel.

    I would like to know what others think about this too.

    Thanks



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE