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Posts posted by Massamum

  1. Thanks very much for all of your comments folk, a lot of information to take in here.


    I would be very nervous defending any agreement in court unless I was 100% sure it was unenforceable (and even then I’d be very nervous).


    The agreement is signed on page 2 but it wasn’t bound, just stapled. If I’m completely honest I think I accepted a long time ago that the barcode (with the loan agreement number on) links the document.


    I was going to resume the £1pm payments to Lloyds but they have now written asking for the full amount immediately (termination?). I have no idea what they are going to do now.


    Any advice going forward would be greatly appreciated. Thank you.

  2. thanks Vint. The doc consists of six separate pages and doesn't refer to any other page numbers anywhere within the doc, but there is a barcode which has the agreement number on it which appears on each page.


    I'm getting seriously confused (my own fault as I have started threads all over the place instead of sticking to one and keep getting lost!), on another thread I posted (here) B3rty said the agreement is enforceable.



  3. I wonder if someone would be kind enough to take a quick look at my thread containing my Lloyds agreement here. It has been looked at by many and it seems that it is enforceable. However, I've just been reading through it and have spotted something. I'm not sure how important it is but the APR under "key financial information" is quoted as 6.40% but under "other financial information" the annual interest rate quoted is 6.26% - grateful if anyone could tell me if this would make any difference as to unenforceability. Thanks in advance.

  4. A very quick query on this please. I've been reading through the agreement again tonight and have spotted something. I'm not sure how important it is but perhaps someone could have a quick look for me (the link is in post #3 above).


    What I have noticed is that the APR under "key financial information" is quoted as 6.40% but under "other financial information" the annual interest rate quoted is 6.26% - can anyone tell me if this would make the agreement unenforceable?


    Many thanks.

  5. Thanks for that Silverfox, you’ve given me a lot of hope by what you’ve said. I was in the same place as you a year ago and sadly still there, but slowly getting round to dealing with things now, owe c.£50k and no way to pay so will battle on. Really nice to know that there is light at the end of the tunnel. Well done for getting yourself out of trouble.


    Ditto what you say, thanks to all CAGgers who’ve helped me too.


    Hope you had a good time away with your family.

  6. hi all,

    Wasn't sure if this was the right place to post this but it seemed a bit trivial to put in the main areas. I'm printing out stuff to read later (eyes hanging out head reading on screen all the time) but I'm using so much paper and ink cos all the ads etc print out as well, plus the print is really small :-o.


    Has anyone managed to print threads out with just the main part showing? Would be really grateful if someone could pass on if they know how to do this.


    Thanks a lot.

  7. Thanks very much for your responses Abby and David. I did suspect that the agreement might be enforceable but was hoping desperately that it wasn’t.



    The loan was conditional on my taking out the PPI at the time, but I did make a claim which was successful so I’m not even sure if I’ll be able to attack.


    I’m certainly going to have to do a lot more reading by the looks of things, on both the PPI section (only just found that) and also on the £8k thread (thank you for the link).


    In the meantime, I’ll have to start paying the £1pm again.


    I’m going to be pretty much out of action for rest of today and tonight so will have good read as soon as I can.


    Thanks once again.

  8. thanks for your reply Jan4a.


    I'll try and have a look round the stickies later, have only just come across the PPI section (have been wondering where to get the info I need for a while).


    The loan is a Lloyds one which I took out May 2006. I was told I had to have the PPI or wouldn't get the loan. The PPI paid out about 5 or 6 monthly payments.


    Default notice Oct 08.


    CCA'd them a long while ago and received copy of the agreement. Its on my other post here).


    Account not in dispute, still unsure about that.


    I've SAR'd Lloyds but still waiting to hear back.


    Being hassled by BLS at mo.


    What does frontloaded mean?

  9. thanks for that David. The pages are numbered 1 to 6 and there is a barcode on every page except the first one, was hoping that would be enough to render it unenforceable as not within the four corners etc but now I'm not so sure.


    I wonder if you or anyone else would be good enough to take a quick look at my CCA on here? I only had the one response and am only just getting round to doing a reply to lloyds but I'm not sure the letter provided by another cagger is right for me. thanks.

  10. First of all please try not to worry (easier said than done I know). You are in the right place to get help.



    You did the right thing in refusing to give out your personal details to the lady on the phone. It is best not to speak to debt collection agencies over the phone as they will say horrible things (often untrue) and scare you half to death. Everything should be done in writing.


    A mob will not visit you at home to collect debts either. Nor can they take your goods. Bailiffs cannot visit your home until you have been to court and been given a county court judgment and then only if you haven’t paid the amount can a bailiff visit you.


    Its difficult to know how to proceed without knowing what debt AIC are chasing you for. It might be an idea to send them this letter, of course they will then know your address but it will be the only way of finding out why they are chasing you.


    Someone with a bit more knowledge will be along to help you soon.

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