they could fabricate an entry onto the account but then surely they would have to prove it,i.e the letter or time and date of phonecall which an itemised bill would prove them wrong

yeah thats just the start,

ok thanks postggj i understand,thats just 1 of the things i have theres many more,

yeah thats right mojo8,my agreement was signed on thier premises but they still have to give you the cooling off period.my agreement clearly states they have to give you the agreement 7 days before you sign it,they called me on the tuesday to go in and sign it on the friday they contacted me on the following wednesday to confirm the direct debit date,so me thinks they may have a bit of explianing to do

i called trading standards they put me onto fos again,the guy i spoke to this time was helpful and didnt seem at all surprised at the things i told him,he told me i have a very valid case against them,1st for be bullied into the loan and not compling with the tcs on the agreement,thanks again for your help postggj

mojo8.above the signature box on mine theres a section(your rights) thats where i found the 7 days

just phoned fos again.very helpful this time,he wouldnt commit to saying there was a cooling of period but as they have it on the agreement they have to obide by it,they have offered to deal with the compliant for me should i allow them to go ahead or do it myself

just read the agreement and t and cs,found this paragraph,you should have been given a copy of this agreement at least 7 days ago so you could consider whether you wanted to go ahead,if the creditor did not give you a copy of this agreement he can only enforce it with a court order.

thanks postggj,it was a rewrite to lower the payments so cant check the bank,im waiting on a reply from them regaurding my subject access request,so cant give an exact date to when the money wouldve been paid.

what they said was if the agreement was signed in the office or face to face then they dont have to give you a cooling off period,though im looking elsewhere dont think the guy could be bothered with his job today

postggj.just called fso they say they dont have to give 14 day cooling off period for secure loan if its signed in the office

thanks postggj,it is a secured loan,signed on 28/11/08 and i have a letter from them dated the 3/12/08 to confirm the direct debit date and to thank me for choosing them,didnt think i had any chioce at the time thanks to thier threats.

hi is the 14 day cooling off period from when you sign the agreement,the reason i ask is the account manager called to say this was the only way to reduce payments then asked me to come into the office and sign for it.

hi all dc got a summary action agianst me in dec 08 i want to get it recalled or set aside can i do this if so how do i go about it, cheers

yeah i refinanced too.they increased my payments from £316 to £421 last october told them i couldnt afford the payments and didnt pay them.they then turned up at my door threatning to reposess my house my husband told them fine we would go to court and cliam they were bordering on the edge of extorsiona few days later they called and said they could lower the payments by rewriting the loan so thats when i went to the office to sign,they wanted me in on the saturday but i was flying down south on the friday so they dated it for the saturday definetly no 14 day cooling off period.wish i found this forum before hand

postggj.it was a secured loan that was signed in their office they said it was 24 hour cooling off period

i signed the agreement on the friday and they dated it for the saturday,they said it was because they had to give me a 24hour cooling off period is this legal

i need to get a judgement set aside anyone an ideas

Can anybody give me a link to S.A.R template.should i send it to the local office,i phoned and asked for copies of my agreements and got them within a week.

hi i want to challenged the figures on the agreement as i beleive they missled me about a vt figure would i still follow the proceedure on the link above

any one know how i go about getting a court judgement set aside.i know this will be hard but need to have a go

damn went into their office and paid them today

what is the likleyhood of them closing soon

if welcome close what happens to your claim for ppi

anyone any advice