Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

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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)


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  1. #1

    Default Blair Oliver & Scott & old GUS finance loan still paying them!

    Hi all,

    Could somebody help me with this credit agreement IE. enforcable or not!

    the personal loan side has the signatures of both my wife & myself. And the insurance is also signed for.

    On the Preference Account side, My wife is the applicant. there is no aurhtorised user specified. And I signed the agreement. This has been struck through with 3 lines as if cancelled.. but I was the one who was issued with a preference card.

    As you can see, the insurance on the loan had been lumped in!

    I would appreciate any input as to what mileage is in this agreement. We are about to S.A.R. BOS and would like to know where we stand on this first.

    Thanks to all,

    [problem]pjet.

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  2. #2

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    Just bumping this for you [problem]pjet.

    In the meantime, have you looked at this thread here.

    I'm midway through the tunnel, but getting closer to the light.



    Please be aware that i am not an expert in anything!
    I may offer an opinion, but the final decision is yours.
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  3. #3

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    Sorry to post offtopic in this thread but a passing comment - couldn't HBOS think of a more creative effort when naming their in house DCAicon-lite than just making up some names to match their own initials? It doesn't say much about the quality of management in that bank!


  4. #4

    Question Re: [problem]pjet-v-Blair Oliver & Scott

    Any opinions/input on the agreement please?


  5. #5

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    I can't help on the agreement, but I've posted a link to this thread on the 'consumer crediticon Act Agreements' thread, so hopefully one of the experts will be over to have a look soon.

    RMW
    "If you want my parking space, please take my disability" Common car park sign in France.
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  6. #6

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    Cheers reallymadwoman!

    I did'nt know there was one!:o


  7. #7

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    On the subject of the preference account, I have an almost identical agreement, which actually purports to be an agreement for a bank account. I have disputed that the 'agreement' is enforceable for the reasons on this thread:- http://www.consumeractiongroup.co.uk...e-account.html
    I've had no response from BOS.

    RMW
    "If you want my parking space, please take my disability" Common car park sign in France.
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  8. #8

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    It looks enforceable to me, although I haven't done the maths.

    i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

    I am not a qualified or practicing lawyer.
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  9. #9

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    Hi tomterm8 and thanks for looking,

    Regarding the maths, (and without totting it up) I would be gratful if you would let me Know how you read the loan figure . Does this have to be clear to make it enforceable? It maybe just the copy I have been given but it looks like 1300 to me (clutching at straws). On the preference account, its my wifes name at the top (applicant) signed by me, then struck out with 3 lines.
    Until I SARicon BOS I can't remember what this account was for but I still have the switch card that came in my name.


  10. #10

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    Also, I note that on the agreement it is titled "step 2". I don't know what step 1 was! But I assume there was one.


  11. #11

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    I read the maths as 4,300, with PPIicon of 1591.50, total credit 5891.00 .

    I assume the signature is yours? In which case, if they paid you the money, the incorrect name / address would be enough to make it improperly executed, but IMHO the judge would think you were having a laugh.

    Worth PMing curlyben to see what he thinks, however.

    i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

    I am not a qualified or practicing lawyer.
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  12. #12

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    It looks petty ok to me.....sorry

    The maths seem ok....haven't checked the apr though

    Dave

    ** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

    see you stand like greyhounds in the slips,
    Straining upon the start. The game's afoot:
    Follow your spirit; and, upon this charge
    Cry 'God for Harry! England and Saint George!'

    If you think I have helped, informed, or amused you do the clickey scaley thing !!
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  13. #13

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    Thanks tomterm8 much appreciated!

    I will ask curlyben as you suggest, but may I ask if the PPIicon would be claimable as it was sold lumped in the balance?


  14. #14

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    You would be able to reclaim the PPIicon... if the PPI was sold as optional, then it is correct, if it was sold as obligatory it should be in the total charge for credit, which AFAIK would make the agreement unenforceable.

    i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

    I am not a qualified or practicing lawyer.
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  15. #15

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    thanks dave,

    Like I say, probably clutching at straws....but I had to ask


  16. #16

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    Hi tomterm8,

    the insurance section has my wifes name printed in it by them.
    total amount payable has 1591.60 added.


  17. #17

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    LOOKING AT THE FORM

    the signature is dated 2003 but the references to data protection are in the style used when the old data protection act applied (pre march 2000)

    the data protection act 1998 did not come into effect until march 1st 2000 ------------

    so this application form has not been updated as it should have been from march 1st 2000..................... now the question is are there any implications of the above ????


  18. #18

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    could you post the terms and conditions in non antipodean mode (right way up)

    regarding that preference account it does not say it is regulated by the consumer crediticon act 1974 ,,, but this is only for the minor 500 overdraft

    note the form is dated oct 2001 bottom right corner ???


  19. #19

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    Interesting.
    I would certainly be inclined to reclaim the single premium PPI as these are generally missoldicon. PPI Reclaiming Guide: Free template letters to get 1,000s back on loan insurance...

    There is NO reference to it being an optional extra for this loan. That alone is important. Further information on that aspect here: PPI Reclaiming Guide: Free template letters to get 1,000s back on loan insurance...

    I'm also not happy about the 89 "adminicon fee", something is ringing bells here, but I can't put my finger on it.

    Be VERY careful whose advice you listen too
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  20. #20

    Default Re: [problem]pjet-v-Blair Oliver & Scott

    Hi fantasy charges,

    Non antipodan T&C's.

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