druryb
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Unenforceable agreements under the Consumer Credit Act
druryb replied to Stub001's topic in General Debt Issues
Please can soemone have a look at this CCA Im not sure if this is enforcable as it has no signature on the application. Can someone help and explain why or if its is forceable/unenforcable. tsb cca.pdf -
Unenforceable agreements under the Consumer Credit Act
druryb replied to Stub001's topic in General Debt Issues
Please can someone have another look there is no tick box and it also has no date on the agreement unless i missed it, im pretty sure the agreement was taken out in October..... -
Unenforceable agreements under the Consumer Credit Act
druryb replied to Stub001's topic in General Debt Issues
Distance marketing requirements??? Can you explain in a bit more detail. Sorry to sound ignorant i'm new to this. I have not signed the agreement does that carry any weight at all??? -
Unenforceable agreements under the Consumer Credit Act
druryb replied to Stub001's topic in General Debt Issues
Hi, I was wondering if someone can cast their eye over my credit agreement with llyods tsb. I am not sure if this loan in enforcable im pretty sure i completed over the phone and they sent out my original loan details, this agreement has no signature box i feel this maybe a copy can someone help? Thanks Druryb tsb cca.pdf -
Hi All, Fistly i would just like to say thanks for the advice i have read already, although i am still a little confused. I have sent a cca request to llyods for a personal loan i have, i am looking to do the same to egg and mbna, I have this template i found on a forum. Is this template correct??? Dear Sir/Madam Account/Ref No: With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied. I/we understand that under the Consumer Credit Act 1974 [sections 77-79], I am/we are entitled to receive a copy of any credit agreement and a statement of account on request. I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974. I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days. I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act. I/we look forward to hearing from you. Yours faithfully
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