Hi Can somebody do me a big favour. Can you work out the interest out on 9.5% APR on £15000 over 84 months. Cheers HAK

Which One?

My Case has been adjurned but i still believe they have to supply some sort of agreement if it goes to Court. HAK

Thanks VS Interesting reading.... HAK

Not sure Paul I thought there was only 1....

Has anybody got a copy of the Rankies case

Someones just posted this on 1st credit wall (Liverpool) wrote at 5:36pm Hard to believe that i was actually terrified of 1st Credit a few years ago. I then found the Consumer Action Group website. DCA's have no legal powers over debtors whatsoever - only a county court does. DCA's wont go anywhere near the places as it costs them money. Thats why they just harrass & threaten. The DCA industry is finished, the authorities are clamping down. Report

Another good question???????

In the event of no CCA, one could say that in equity all capital borrowed has been repaid. With no CCA, there is no proof that you ever agreed to pay interest, which is what the alleged debt consists of. I checked one of my statments and I had paid over £1K in interest. There is more owing but wouldnt it be good if we could claim the interest back!!

Hope its not the Judge Club:eek:

I found this reply I had on my PC from ages ago: I would have bluntly answered " I had a card with them, but it's so long ago i don't have my original copy of the agreement. the creditors company recommended people keep original paperwork for 6 months. Further, the Money Laundering Regs make it a serious criminal offence punishable by 10 years in prison for each director of the company, for the claimant not to keep this paperwork, so I believe that they must have a copy of the agreement. I've asked them for a copy of the agreement on 4 occasions, and made it clear to the claimant I would settle with them when I saw that agreement. Until I can see what I actually signed up for, i honestly don't know how much I am liable for, if anything."

Good reply.. I have now started a thread for Caggers to post. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/191353-what-if-judge-asks.html

DO YOU OWE THE MONEY!!!! This is been mentioned on several threads at the moment and I thought I would try and get it into one. The big day arrives the Claimant has no CA or with no perscribed terms and you are going to use 127(3) of the CCA 1974. The judge turns around and says: Well have you spent the money and do you owe it" Please comment on this as the more ideas the better for the big day. Cheers HAK

I was thinking about this comment as well: I have requested the agreement on several occasions and to date I have had no luck. Until I can view my agremeent I have no idea my liabilitys on the account. HAK

Well done Subbing

Fantastic advice Car. Cheers Mate

Thanks for the above but I know they have no agreement with the perscribed terms (only a poor qualtiy application form) alos pretty certain no default notice. I have all the case law ready but like I say its eating away at me if the judge asks the question

Hi Sorry to go on about this but It has been playing on my mind all week. I know if the Judge asks do I owe the money I should admit it and divert him to the fact its unenforcable. I just cant stop thinking at that point he will stop the case and seek judgment on me. Can anybody assure me:confused: HAK

This is a good point as I have a Halifax Card and it says in the agreement that the T&C will be sent later

To confirm these are not Perscribed terms

Has any body got the link of an easy print off of the other Wilson Case. The one where he mentions to be a gift HAK

God I love this ruling!!!! HAK

Could not agree more, but part of the judges set aside terms for the strick out to be stopped is meditaition.

Guess what I have got next week.... Mediation - Court have actually ordered the otherside to take part. HAs anybody ever had it?? 1 hour over the phone?