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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    Question tsb loan applied for online

    Can anyone tell me how a bank can provide a cca for a loan that was applied for on line?

    Cheers


  2. #2
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    Default Re: tsb loan applied for online

    Bump

    Advice is based on my personal opinion, and what I have learnt from this forum.
    If you need legal advice please consider consulting a lawyer.


  3. #3
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    Default Re: tsb loan applied for online

    Hi There, just a quick note to say i have received a letter from the Lloydsicon regarding my loan,I won,t give you all the bumf but here is the First Paragraph.

    I have enclosed with this letter a copy of your executed agreement and a signed statment of your account. By providing you with the documents attached to this letter, we have satisfied our obligation to provide a copy of the executed agreement under section 77.

    Well for a start i asked for a copy of the original signed contract, to which they have not supplied and also they say they have enclosed a signed statement of my account, i have looked at all the copies and there is no signatureicon on any of them?

    Whats the next letter i send

    Regards

    Mike


  4. #4
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    Default Re: tsb loan applied for online

    Sorry there is no need/compulsion for a company to provide a copy of an agreement with your signatureicon under section 77/78.

    Advice is based on my personal opinion, and what I have learnt from this forum.
    If you need legal advice please consider consulting a lawyer.


  5. #5
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    Default Re: tsb loan applied for online

    Hi Andrew,

    If they do not have to supply a signed agreement how can they enforce the agreement?

    MH


  6. #6
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    Default Re: tsb loan applied for online

    Hi,

    As The Consumer Credit Act 1974 (Electronic Communications) Order 2004 came into force in December 2004 any online agreements entered into prior to this date still need a signed executed credit agreement.
    Electronic signatures weren't considered valid until this date.


    Regards.

    Scott.

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  7. #7
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    Default Re: tsb loan applied for online

    Hello Scott, i took out the loan in Jan 2006 does this mean i do not have a case

    Regards

    MH


  8. #8
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    Default Re: tsb loan applied for online

    Looks like it, here's the order.

    The Consumer Credit Act 1974 (Electronic Communications) Order 2004

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
    Help keep it up and active, helping people like you.


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  9. #9
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    Default Re: tsb loan applied for online

    Good Morning Scott,

    Thanks for the information, never mind i will wait for the response to my letter regarding the signatureicon, the outstanding loan is 4k and they have told me they would accept 3k as Full and finalicon settlement.

    Cheers

    MH



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