Hi, I have had my CCA back and it did not comply. I used the letter found on here and Tesco have said thier final decsion is they hav complied and they will chase me for teh cash. Help what do I do next? They sent me a letter for the ombudsman but reading on here I find that some people say complain to trading standards. Please help and if anyone has any templates they would be gratefully received

I have now received back a agreement and on one it says under credit limit - We will set your credit limit from time to time and tell you what they are. I am guessing this doesn't comply with cca 74 but would like some piece of mind before attacking them

Sounds like if the loan wasn't used for the purpose then the agreement may be unenforcable

This may be an old thread but something of interest for anyone who is searching for these companies as I was. I am sure that if this car was bought under finance then they are covered by the same way credit card purchases are and if you have got legal insurance (Check your home insurance policy) then these will pay any costs in challenging these

Sorry I copied and pasted so a bit rubbish but you can pick the details from there I hope. If not PM me and I will E-mail

Home addresses from companies house so in public domain. Use with care but I have written to directors in this case twice once BT and once NTL. Both times problem sorted in days. Write to all but make sure you just detail the facts and do not get personal. Just list the facts and why you have a grievance. directors View Previous Directors NameWilliam Samuel Hugh Laidlaw AddressHeadington House Old High Street Old Headington Oxford OX3 9HU Officers TitleMr W.S. LaidlawDate Of Birth03/01/1956 HonoursPresent Appointments4 Appointment Date01/07/2006FunctionDirector NamePaul Ashley Rayner AddressPenthouse 1008 8 Dean Ryle Street Westminster Green London SW1P 4DA Officers TitleMr P.A. RaynerDate Of Birth03/03/1954 HonoursPresent Appointments9 Appointment Date23/09/2004FunctionDirector NamePhillip Keague Bentley AddressPembroke House 6 Waldegrave Park Twickenham Middlesex TW1 4TE Officers TitleMr P.K. BentleyDate Of Birth14/01/1959 HonoursPresent Appointments4 Appointment Date20/11/2000FunctionDirector NameMary Elizabeth Francis Address115 Ashley Gardens London SW1P 1HJ Officers TitleMs M.E. FrancisDate Of Birth24/07/1948 HonoursCBEPresent Appointments8 Appointment Date22/06/2004FunctionDirector NameAndrew Stewart MacKenzie Address53 Holmesdale Road Teddington Middlesex TW11 9LJ Officers TitleMr A.S. MacKenzieDate Of Birth20/12/1956 HonoursBSC PHDPresent Appointments4 Appointment Date01/09/2005FunctionDirector NamePaul Steven Walsh AddressCedar Farm Balls Cross Kirdford Billingshurst West Sussex RH14 0JJ Officers TitleMr P.S. WalshDate Of Birth01/05/1955 HonoursPresent Appointments5 Appointment Date01/03/2003FunctionDirector NameNicholas Lawrence Luff Address6 Silver Lane Purley Surrey CR8 3HG Officers TitleMr N.L. LuffDate Of Birth11/03/1967 HonoursPresent Appointments4 Appointment Date01/03/2007FunctionDirector NameIan Grant Dawson AddressWellsbridge Cottage London Road Ascot Berkshire SL5 7DJ Officers TitleMr I.G. DawsonDate Of Birth17/03/1959 HonoursPresent Appointments18 Appointment Date16/10/1996FunctionCompany Secretary NameHelen Alexander Address25 St James's Street London SW1A 1HG Officers TitleMs H. AlexanderDate Of Birth10/02/1957 HonoursPresent Appointments18 Appointment Date01/01/2003FunctionDirector NameRoger Martyn Carr Address21 Earls Terrace Kensington London W8 6LP Officers TitleMr R.M. CarrDate Of Birth22/12/1946 HonoursPresent Appointments3 Appointment Date01/01/2001FunctionDirector

Read it again I wasn't complaining I was just curious

Thanks

I think from reading these forums (but I may be wrong ) that if the agreement is unenforcable you can either tell the banks that the debt is invalid or look for some kind of write off but as I said I have got a few cards all with zero balances. Is it worth me still checking the validity of the agreement? Can I still claim some kind of monetry retribution?

I don't think so he used to work for a bank so I doubt he would but I will check tomorrow

Thank you. I have done. Having read the forum everyone looks very friendly

I understand this may be greedy but I have written for my agreements per this website but fortunatly I have no balance on them. Is there anything I can get back?

One of my collegues has signed up to these. They have said they can get him £5,000 back from his mortgage and gave him copy letters and also said they can write off credit card balances. Having had a look here I can see how they can claim the balances but how do they get money from mortgages? He has never had PPI

Just a quick note to introduce myself. One of my collegues has signed to cartel and being tight I did a search to se if I could do it myself. Thanks for all of the resources