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vjohn82 vs. HFC (PPI Claim) **WON**


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I know it seems unfair about the liability issue where there is no CCA but that's the position of the FSA and OFT.

 

This does not mean that such a loan would be enforceable in the courts however. And yes they would need to reconstitute a CCA for s.77/78/79 purposes and provide the original signed document should they wish to enforce the debt.

 

What do you have in mind to do exactly at this stage?

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Do not know yet if to stop my payments and say prove it re my current loan and chance them paying out on my previous credit agreements re PPI going off what dx said, but then again they MAY set off against my current loan

 

Then again if I carried on making my payments on my current loan and applied for my PPI from my previous loans could they not then still set off against my current loan anyway.

 

One other thing how do I go on in applying for the PPI from my previous agreements saying I have still got copies of them as doubt they will have them if they have not got my current one.

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Do you have any old bank accounts and showing payments look their and try to do some detective work from their

vj an dx when you have time can you look at this one for me its urgent plese

http://www.consumeractiongroup.co.uk/forum/showthread.php?330594-Bt-telecom-want-to-cancel-my-contract-i-am-refusing-help-urgent

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  • 1 month later...

love it!

 

so it was a rather tidy sum then!

 

bet that made them squeak!!

 

i shall make this thread won then!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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