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Hog29

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About Hog29

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  1. Thanks for your replies. I just want to clarify if I can challenge their decision not to allow me to sell the flat myself, which has deprived me of the opportunity to fully repay the debt, and, since the flat was only sold in 2013, also come out of this situation with a small surplus for myself. Thanks and kind regards
  2. Hi CAG team, In 2012 my home was repossessed after I could no longer pay the 2 mortgages on it due to unemployment and chronic health issues. My local council had tried to get me into the mortgage rescue scheme, but the housing association involved declined due the the short term remaining on the lease. I had the flat valued by an estate agent and the first lender, Mortgage Express, encouraged me to sell the flat myself, but the second lender, First Plus, refused that offer at the final court hearing, saying it would take too long. The judge granted possession. I
  3. Hi all, If this subject has already been covered, my apologies, but I did not find it. I have had some success with FOS ruling in my favour in the past, but I have never tried to reclaim for mis-selling of PPI when the insurer has settled a claim. I have heard that this might not be a reason for rejection, just because the one instance did not match any pre-existing health conditions. There is one very obvious case: First Plus sold me PPI for an up-front payment of £9,000, although I had postponed the loan application because I had an emergency hospital admission. When they called me
  4. Hi, The FOS has, after more than two years, finally dealt with my mis-sold PPI complaint against Barclaycard, and has found in my favour, as with all of my complaints. This policiy had originally been sold to me by Morgan Stanley, but Barclaycard had later bought the account. I have now received a letter from Barclaycard confirming that I am entitled to a refund of just over £1,700.00, but they have paid that money to the debt collection agency to reduce the outstanding balance. I have been in dispute with Barclaycard since January 2009, because they could not supply me with a p
  5. Hallo again, MBNA wrote to me about a test case at the Manchester High Court towards the end of last year, which, they claim, seems to indicate that financial institutions do not have to provide any evidence of a properly executed agreement, and will render all unenforceabilty action unsuccessful. Is that true? Thanks Hog29
  6. Thanks, Slick, No I have not made the Court Application yet. Do I have to pay anything for doing so? And what about my point that the T&Cs are not true copies? Thanks Hog29
  7. Hi, again, BC keeps sending me so called "true" copies of the credit agreement and then passes the account on to yet another debt collection agency, after previous ones have failed to get anything from me. I am interested in clarifying two points: Since the original agreement had been with Morgan Stanley, can a copy of the agreement/terms and conditions on Barclaycard headed stationary and stating that the agreement is between BC and the other person ever be a "true" copy? The other point is: BC do not know that I have a photocopy of the original agreement, which was sent to me
  8. Hi Usaname, Thanks for your comments. The whole page carries the "Credit Agreement" heading, and, as far as I am aware of, the card provider does not have to sign for an agreement to be enforceable. Regards Hog29
  9. Hi Silverfox, Is the back page of any significance in this matter? Thanks Hog29
  10. Yes, it has a back page, containing terms and conditions. Very small print, but I can figure out with the aid of a magnifying glass, that it shows a credit limit and a range of APRs
  11. I think I just found the answer. The other odd thing about this form is that only my signature and initials are genuine, the other test has been filled in by somebody else. Can't explain that. Regards Hog29 mbna agreement 1.pdf
  12. Hi again, MBNA keep sending me the same photocopy of one my agreements with them, this time the copy is even large enough to be almost readable. But it is missing prescribed terms, such as the amount of credit and the rate of interest shown on the page which I signed. Can I upload a copy for one of the experienced members to have a look at, so that I can be absolutely sure that I am not missing anything? Best Regards Hog29
  13. Thanks, Silverfox, Just to make sure: The page which I signed does not contain any information on interest rates or credit limits. Is that unenforceable? Thanks Hog29
  14. Hi all, I have 4 MBNA cards (originally 1, but they acquired Homebase, Virgin and A&L cards as well). I had PPI for all of them and successfully claimed due to unemployment. The PPI cover has now ended, and, still being unemployed and in arrears, began to receive the usual nasty letters and phonecalls. I requested to see true copies of all the agreements, and received photocopies for 3 of the accounts (except A&L) within the time limit. Although the copies are too small to read properly, it is quite clear that they do not feature all the prescribed items, as per CCA 1974.
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