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.
I must just say that i have just found and registered on this very informative site and looking at send a letter of to Northern Rock asking them to send me a signed agreement but my problem is Northern Rock had all them problems so where do i send my letter to?
Would it still be the address on the letter i got from them.
I had an unsecured loan via Northern Rock and managed to do a deal with them to write of around £1500.00 which was the total amount of interest on the loan.
Depending on your circumstances they will do a deal. I requested the CCA agreement which was enforceable however it wasn't enforced. They accepted my offer after several letters...... It will be interesting to see how you get on.........
Have posted the letter via recorder delivery today but the clerk advised me that it may take longer due to the postal strikes, within the info i read you have to give them 12 days +2 days for post to reply to the request?
When do i count the 14days from???/
Any advice would be gratefully appreciated.
Also once i get correspondence from Northern Rock i will need a little help as to see if the loan agreement is enforceable.
Just wondering as my loan was taken out in 2004 and had PPI - but someone on here said it wasn't enforceable because didn't have a separate agreement for PPI. I didn't post it up, he just knew that from how I set out the details from the agreement (I'm reclaiming PPI).
I sent a SAR back in August and they replied within 2 weeks - they did have the agreement.
My loan was taken out in February 2006 and i did not take the PPI out.
I have just checked on the status of the recorded letter and it is still working its way through the postal system so will keep you informed of any progress.
maroondevo52,
I do not have a scanner so i am unable to post the agreement removing all my personal details.
I will wait and see and possibly be asking for further advice once they have sent communication and then i may type out the agreement to then decide with your help if this is an enforceable loan.
Ok an update i posted the letter on the 18th October and today i have had a reply from Northern Rock
The letter reads:
I refer to your letter of 18th October 2009, which has been passed to me for consideration.
In fulfillment of your request under section 77 of the consumer credit act 1974, i enclose herewith a copy of your executed credit agreement and the applicable terms and conditions, together with a statement of account.
If the enclosed information discloses any item that you wish to dispute, you should in the first instance write to our complaints team at the above address.
Yours Sincerely
BLA BLA BLA
Also included is a photocopy of the agreement and a photocopy of the terms and conditions with a statement of account.
I will try to get this uploaded so you can all see if i can dispute this.
Does anyone know from the information i have given if this is enforceable??
Look forward to your replys and thanks for your help.
If you log on to photobucket.com scan in the copies of the agreement and remove any personal details etc that you don't want people to see and then upload the agreements into the system so that we can view them then we can take it from there.........
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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
Northern Rock Unsecured loan
asking them to send me a signed agreement but my problem is Northern Rock had all them problems so where do i send my letter to?
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Originally Posted by havinastella
