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scott150663

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About scott150663

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  1. top man and very funny Comic Michael McIntyre refuses to perform for debt collectors and loses £28k fee - mirror.co.uk Michael later said he would never have agreed to sign up had he known what the firm did. It makes its money buying bad debts from banks and credit card companies and chasing them up – last year it made a profit of £13million. Michael recently said: “Four years ago I was £40,000 in debt – credit cards, loans, all that, with no assets and often no way of actually meeting the rent.” His spokesman said last night: “Michael was in debt himself and has a c
  2. Hi Thanks for your comments My rent is well above the LHA and im not claiming any benefits.. thanks for confirming 2 months notice Scott
  3. He knows i can afford the rent increase,so i think HE IS TRYING IT ON... thanks for your help Scott
  4. hi guys hope someone can advise me on the following im renting a property that was originally on the market at £1100 PCM,through haggeling with the property owner i got the rent reduced to £960 PCM on a 6 month agreement which finishes at the end of FEB 09 The landlord has told me he is going to increase the rent to £1120 pcm, i've told him to shove his rent increase where the sun dont shine... The property is nice but only worth approx £850 ish compaired to other similar houses........... The landlord has only given me 1 months notice, which i think is too shor
  5. and here BBC NEWS | Business | Egg fined over insurance sales Egg fined over insurance sales Egg has apologised to customers who have been affected Credit card provider Egg could face a compensation bill of millions of pounds after being fined by the City watchdog for insurance mis-selling. The Financial Services Authority (FSA) said there had been serious failures in Egg's sales of credit card payment protection insurance (PPI). The company, fined £721,000 by the FSA, will face a bill of £1.67m for every 10% of customers who want a refund. Recently the
  6. where is the original CCA template letter??? i think it needs to be ammended by a site helper or mod..... So i dont know whether it has been done Regards Scott
  7. Sorry could u clarify this point please ... are u saying that after the 12+2 days the lender does not have a further time limit and they do not commit an offence I have read loads of threads which gives confliciting info Can someone give me a link where i can check this please Scott
  8. excellent letter....... so using this request u dont have to send 2 seperate letters........ It all looks ok to me!!!!!!!!!!!! Regards Scott
  9. XX, Anystreet Anytown Anycounty XX0 1XX XX Anymonth 200X The Loan Company Company House Anytown Anywhere XX1 0XX Dear Sirs Ref: Account No 1234567890123456 This letter is a formal request pursuant to [s.77-(for a fixed term loan agreement)/s.78-(for a credit card agreement)] of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation that the Act requires you to provide. I expect you to comply fully and p
  10. Hi all Ive written a revised CCA request any comments on how to improve it further would be welcomed Please note the old CCA request stated S77 (6) which was incorrect so i have amended it to S 78 (6) Regards Scott
  11. this is what you need to send FOR A CREDIT CARD AGREEMENT Your Address Your account no Dear sir /Madam This letter is a formal request pursuant to s.78 (1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.78 (6) will apply. If
  12. hi Steven I agree It would be ok just to say S77/78 But there is no 77 (6) so the CCa requests do need to be ammended to state the correct section(s) they u r asking them to comply with............. Any comments welcome Scott
  13. In my opinion YES Just change it from S77 (6) TO S78 (6) (as its a credit Card agreement) Hopefully someone will clarify this shortly Scott
  14. 77(4) is for a fixed loan IE bank loan Scott
  15. thanks thats what im trying to point out Scott
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