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no_dosh

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  1. Hi flooz, i am currently being taken to court by n/rock via Wallers solicitors. my agreement was done in 2004. I have no cancellation rights on my agreement either. i have been trying to find info on whether this would make it unenforceable (can someone please cofirm ?) also on the agreement it states the apr rate and not the interst rate (the two are different) can i use this too ?. my agreement was arranged over the phone and the agreement was sent via a courior for me to sign and receive the cheque there and then. note - i do not remember getting a seperate cancellation notice. help please anyone !!!!!!!!!!!!!!
  2. hi everyone, i hope there is someone out there who can help me with a problem i have with Northern Rock / Wallers Solicitors. I had a personal loan from northern rock in May 2004 to the value of £8000. Because of the date that the loan was taken out and the fact that it seemed like alot of banks and credit card companies were setting up the agreements incorrectly, i sent of a cca request. N/Rock sent me a copy of the agreement which i have check against the Consumer Credit (agreements) regulations1983 (si 1983/1553) schedule 6 (prescibed terms). everything looks ok apart from the fact that it does NOT show the "interest rate" of the loan , it only states the "apr". Now as i understand the regs , its states the agreement must show the "interest rate". i know the apr can include the interest rate , but it can also include within that fiqure any other amounts or fees related to the loan. i am also of the opinion that an apr fiqure can be shown to the nearest decimal point which would also make the apr a fiqure which is not strictly accurate. N/Rock and Wallers have now sent me a county court claims form which i either have to defend or admit defeat. is there a helpful person out there who can assist me in this situation. Because of the interest not being shown issue does the agreement fail the prescribed terms so making the agreement unforceable ? other issues i may have with the agreement is that there is no cancellation box on the agreement . i think they can send this out after 7 days but i dont remember receiving it. Norther Rock also sent me terms and condition sheet which bears no connection to me . it is just a computer printed draft without my name nor address. there is no information on the document which relates itself to the credit agreement , ie .page number. The credit agreement itself is a photo copy of the original. Could these issues also mean that the agreement is unenforceable ? i appreciate any help . thanks
  3. Hi everyone, over the last few months i have been trying to get my cca from various credit card companies. i have sent them cca requests under cca 1974. MINT admitted they could find the original cca. LLOYDS TSB are also having trouble finding cca. BARCLAYCARD have tried sending me the application forms and so have SKYCARD. after waiting the full 40 days , i then sent them all a SUBJECT ACCESS REQUEST. None of them have yet to supply me with the original cca. I can only now assume that none of them actually have the original cca !!!!! otherwise, surely they would have sent it to me , even if it was to shut me up !!!!!!!!!!! obviously, without a cca it is not enforceable in a court of law. can anyone help me with what i should do next . ultimately my goal is to take the credit card companies to court but i dont know what i should be writing to them or do you think i should get a solicitor on the case ? any help would be much appreciated
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