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.
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Can someone take a look and see what they think about this agreement.
I really need to have default removed and I think this is unenforceable?
any help much appreciated
This appears to be missing the Prescribed Terms as required for it to be enforceable. Send a letter confirming this document is inadequate, and that the a/c is in dispute.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
hi slick couldnt see anything on there for default added even though account in dispute due to unenforceable agreement .... seems to be more about bank charges????? it also has Y in PPI box I did not ask for this????
do you have a letter for unenforceable agreement defaulted?
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
hi yes I have read so much I think I am confused... should I start legal route cpr 31.14/16 and what is timescale of all this? really confused but can not afford this default on file? is costing me already?
Are there any penalty charges on this a/c. If so, this would be a clearer dispute than the (possible) failure to comply with a CCA request.
CPR 31.16 would be a possible way forward to get sight of the credit agreement (which you've already done) and to get the account confirmed by the court as unenforceable, if the judge agrees on the day.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Sorry, forgot to mention, if there's a tick in the PPI box and you didn't know of, or agree to this, start a thread in the PPI forum about reclaiming PPI.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
hi slick I have already claimed back PPI and charges including £12 charges on this account..... my complaint is now enforceability....
agreement not what it should be and they had PPI on there that I was unaware I had or could change... is this a worthwhile case...what is my next steps. Is there a POC that I can use anywhere, as I really need to get default removed...
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
fergal v barclaycard
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