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jackreacher
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Just got a letter from moorcrap supposedly in response to a s78 request for a personal loan taken out in 2009....Hmm not quite complied lol.

 

My first query is under key information it states

arrears letter charge = £25 unpaid direct debit charge = £25

 

I thought these charges were altered to £12 in 2006? I know they were for credit cards, not sure about loans.

 

Also at the bottom right hand corner it gives a date of, May 2005?? how significant is this

 

 

regards Jack

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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the OFT said they would not seek to take action against those companies who had their default charges at £12.00 and below, but that it didn't make them fair.

 

I am not sure if it was the Credit Card industry or the Credit Industry they were actually targeting.

 

I think it likely you might be able to challenge those as being unfair terms though.

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the OFT said they would not seek to take action against those companies who had their default charges at £12.00 and below, but that it didn't make them fair.

 

I am not sure if it was the Credit Card industry or the Credit Industry they were actually targeting.

 

I think it likely you might be able to challenge those as being unfair terms though.

 

thanks CB..

 

My point is what they have sent me looks like a forgery. I signed it in 2009 but the charges are still £25 not £12 and I thought they were changed in 2006 for loans as well as credit cards.

 

In the bottom corner it says 2005. so the £25 charges would be right for that year.

 

The other weird thing is the banks signature is dated before mine by 6 days? Never come across this before???

 

I can't remember signing this agreement and its only a few years ago.

 

All comments welcome

 

Regards jack

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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