Jump to content

Nick W

Registered Users

Change your profile picture
  • Posts

    112
  • Joined

  • Last visited

Everything posted by Nick W

  1. Just as a matter of interest, if its for a loan agreement, does the 6 year clock start from the date of the last payment, 6 years after the default notice was served? Cheers N
  2. Hi I have a quick question. I have put in a request under Data Protection Act for a Subject Access Request to a company that offers rewards. I signed up with them to collect points in 1992. Although the account is still in use they said that they no longer have the original agreement on their archive. For clarity, they are not providing credit, I earn rewad points which I can redeem against items. How long are they suppose to keep my original agreement for, given the account is still active? Thanks NIck
  3. Yes, sorry the agreement. I need the agreement (I signed) for the reward scheme. Are they required to keep the agreement for the life of the time I am a member? I am after the orginal agreement - not the one which has been updated over time. Thanks! Nick
  4. Hi I have a quick question. I have put in a request under DPA for a SAR to a company that offers rewards. I signed up with them to collect points in 1992. Although the account is still in use they said that they no longer have the original application form on their archive. For clarity, they are not providing credit, I earn rewad points which I can redeem against items. How long are they suppose to keep my application form for, given the account is still active? Thanks NIck
  5. Can anyone take a look at the agreements and see what they make? Thanks! NIck
  6. Thanks for that. And the agreement themselves, are they watertight? Cheers Nick
  7. Ok, he has made the application to set aside on 2 grounds: 1) Does know what debt is (and their stat dec has the wrong agreement date on it) 2) Has not complied with rules, ie not tried other methods. He CCA'd them and asked for statement, default notice, terms. He did get it back within the 10+2 days, but they havent sent the default notice. I have uploaded the documents he recieved. I have blocked out his info. He has signed the agreement in 2 parts where it says debtor. However, how can they sell a car they charge £10k (almost) for £600??!! Thanks in advance for help! Nick
  8. Ah - and it wasnt sent recorded or anything...... So I need to get my friend to ask Advantage how it was served? Yes I know its a little late to set aside but he only gave me all the paperwork yesterday! Nick
  9. Hiya Its dated 13/5/09 but dont know how it was served, he gave me all his docs yesterday. Actually there is an envelope franked 13/5/09 with 36p so I would assume 1st class post NIck
  10. Ok - will get get the CCA off and will post when he recieves a response. Thanks! NIck
  11. Issued by them yes - signed by legal practice manager at their own address. Am I correct in thinking the old rules to consumer agreements have changed now, regarding being unenforceable? Cheers Nick
  12. Advantage Finance Ltd Thanks NIck
  13. Hi My friend (honestly) has recieved a stat demand for a car he had on finance, by Hire Purchase agreement regulated by the CCA 1974. However it IS dated and signed 22/7/08. The defaulted sum is just over £9,000 although the orignal agreement was for £8264. Now I know the old rules, but whats the general view now on agreements covered under the new rules? I know he has to apply to set aside the stat demand and would have used the disputed amount ground - so thats ok. But what do you suggest is the way forward here? Thanks! NIck
  14. Use this one, its right up to date and posted from the Financial Times: Interest Rate Swaps - Interest Rate, LIBOR Rates, Base Rates, Euribor Rates, Gilt Rates, Historic Rates and Trends
  15. Hiya I have a 'ticket' from Elite Parking control for no ticket. I have read the stickies with template letters. However, I have read other posts which say 'ignore' anything you get. What is the way forward to dispute the 'charge'? Nothing has been paid as yet - and the car HASNT been clamped? Thanks! Nick
  16. Hi I have a mortgage with a sub prime lender. I note that if I pay all or part of the capital back within the first 3 years I am charged 6% plus £50 admin fee. However, after 3 years of completion I am only charged 1 month interest on the capital repayment plus admin fee. Has anyone tried this tack when it comes to penalty or charge? I have read other threads and it seems people lost trying to claim the full amount back. My issue would be first 3 years 6%, after that 1 month interest. My rate is variable, not fixed in any way. Cheers Nick
  17. Hiya Just want to get some feedback. Have a mortage with sub prime lender. Its not fixed rate or anything and its 6.5% above LIBOR. If I repay all or part within the first 3 years, its a 6% early repayment charge. If after 3 years I repay part or all, its 1 months interest. I would view that as a penalty. And if its a penalty its unenforceable right? Am I the only one with this view? Thanks! Nick
  18. Sorry for the double post.................. I noticed about the ERC's in the terms and conditions. SPPL only apply 3 months interest on amount being paid plus £65 charge for the first 3 years ONLY. Then after this, its 1 months interest plus £65. This is stronger evidence that it IS a penalty........ Nick
  19. Thanks for that - its great help. I have made capital repayments every 3 months or so for the last 2 years, taking £40k off my mortgage. I assume, even thought I have not made one big capital repayment but around 8 smaller ones - this wont affect anything? Again, they should only be compensated for a genuine estimate of additonal work - otherwise its a penalty.......? Nick
  20. Hmmmm - all interesting. Mine is an un-regulated mortgage account with SPML - do you think it makes any difference (apart from FSA rules wont apply)? Nick
×
×
  • Create New...