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richcufc

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About richcufc

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  1. I am a non-resident parent who has been paying maintenance via the CSA for years. I was aware that my agreement would be ending and fully expected to start a new agreement and continue paying for my non-resident daughter. My question is, as no-one seems to be able to answer it at present, if my agreement with the CSA ended on 13 February why should I have paid a full months worth of money to them in February? My new agreement with CMS starts on 14 February (some valentine lol) so technically I will end up paying twice for the second half of February. Now as this money is for my daugh
  2. This is as far as I have got with my POC so far for my prev 2005 credit agreement. The Credit Agreement is invalid for the following reason: It is submitted that the credit agreement supplied falls foul of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) in so far that the prescribed terms are not contained within the agreement but in a separate document. The prescribed terms must be with the agreement for it to be compliant with section 60(1) Consumer Credit Act 1974. I refer to the judgment of TUCKEY LJ in the case of Wilson and another v Hurstanger Ltd [2007]
  3. I have outstanding service charges on my flat which I can not afford. Is there a standard way I should approach my lender to ask for the fees to be added to the mortgage? Does anyone have a letter they have used? Thanks Rich(not lol)
  4. Thanks I think I should have enough information to post my papers. I'll put them up here first to be checked out. Thanks for the help.
  5. Hi 42, Not a defence no. I have an agreement with a certain credit card company which is i believe not enforceable. All other avenues have failed so I would like to take this to court to prove it is not enforceable. Rather than wait for someone to take me to court lol
  6. Is there a standard POC on CAG for invalid/non enforceable credit card agreements? If not does anyone have a POC they have used for a non valid credit card agreement? Thanks Rich
  7. Indeed a valid question. No reference made to my emplyment status or personal situation. I am aiming to make a claim.
  8. Is there a UK address to CCA the Bank of Ireland or do I need to write to their Dublin address? It's for a credit card.
  9. Can anyone advise if this loan agreement is valid? Thanks, Richard Scan1.pdf
  10. I would agree it appears they are in a roundabout way stating they do not have a signed agreement. For your peace of mind you may want to SAR them to check the whole file they hold. Out of interest when exactly was this loan taken out? If in the last 6 years then you may have a complaint under the Data Protection act and then possible compensation should you wish to push for it I am sure someone from the site team can point you in the direction of a letter asking them to close the account due to lack of paperwork.
  11. Haviong looked at your agreement I would say it is unenforcebale as all the prescribed terms and your signature are not contained within the same page which was a requirement in 2004. I can't help with the charging order but someone else from this site will be able to help.
  12. You could put in an SAR or CCA request to slow up proceedings. To my knowledge being a payday loan your agreement will be valid and due for payment. If you provide said firm with an income and expenditure form confirming the amount you can afford and your reasonable offer of payment then this can be produced should they ignore it and proceed further with legal action.
  13. How did you go about disputing the sum? Was this done in writing? If you have your bills, is it itemised to show a breakdown of charges? The OFT guidance rules on debt collection state that it is unfair to not cease collection activity whilst investigating a reasonably queried or disputed debt and the firm involved would therefore be using deceptive/and or unfair methods. Although technically not collection activity if you have a reasonable query on an account then this should not be defaulted. I am not one for providing a letter for this but would also suggest thatwhilst this
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