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  1. Follow an Act of Parliament or have a guess? What an absolute disgrace. I sincerely hope she she is reading this thread. She may learn something....... Must appeal!!!
  2. Dont know if this link has been posted. apologies if it has. PR Fire | Financial >> Landmark Consumer Victory in High Court Test Cases
  3. So all these cmcs, who are taking on cases by the thousands soley on the back of section 78s. What are they going to do now?
  4. If a section 78 is now deem to be useless in ascertaining enforcability, how do you now discover whether an agreement is enforceable?
  5. Couldn't find an existing thread with regards to debt transfers so appologies to site management if there is one already. Does anybody know anything about companies buying perople debts of them. Apparently there is a company out there who will purchase your debt of you (unsecured pre April 07). A mate of mine who is a mortgage broker has done it with a loan he had. He has a contact from the company who have "legally purchased the debt from him for £1". He was given template letters to send the all the credit reference agencies, and has receive a response from one within 3 weeks stati
  6. Do you know whether the procuration fee that the appointed rep received was paid direct, or to the principal. It should say on the KFI (Key Facts Illustration) the broker gave to you or the offer document. Wgat was the name of the lender and the bridging company?
  7. Many thanks Citizen! I copy and pasted links into another thread, but it doesn't seen to work!
  8. Hi Here is what my CCA from MBNA looks like: Have a look and see what you think! Any feed back would be much appreciated! http://i725.photobucket.com/albums/w...J2630005-1.jpg http://i725.photobucket.com/albums/w...RLJ2630004.jpg http://i725.photobucket.com/albums/w...RLJ2630003.jpg http://i725.photobucket.com/albums/w...RLJ2630002.jpg http://i725.photobucket.com/albums/w...RLJ2630001.jpg
  9. Hi I have recently requested my CCA from MBNA (Virgin credit card). I wrote to them asking for a copy of it saying I was getting my affairs in order, and received it back within 10 days! I think if you ask nicely and don't send them a threatening letter you have more chance of a quick reply. That's just my opinion, but I am new to this, and judging from what I have read on her, there are many that know much more than me. There is a link below to view what they have sent me. I would be grateful for you thoughts on it. It looks a load of rubbish to me. It looks like something that the
  10. Hi All I have had my CCA from MBNA (Virgin CC) within the allotted time. Not sure whether it is unenforcable. To my, it looks like something that they have just drafted up. If I post it on here can someone take a look at it and tell me what they reckon, or failing that can someone post me to a thread relating to a copy of an MBNA CCA. Many Thanks http://i725.photobucket.com/albums/ww254/Signature96/RLJ2630004.jpg
  11. Has anybody heard of the Debt Advice Network (DAN)? I think it is a charitable organisation that advises people with debt problems. Has anybody heard of them and if so whether that a worth speaking to.
  12. I've been informed by a solicitor that you should continue to pay the monthly payments.
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