HI everyone i would be most grateful if somebody could have a quick look over my agreement before i move forward. Thanks:sad:

Thanks Silverfox I will wait and see if i get anymore posts

Has stated on previous post as no RIGHT TO CANCEL

Terms and conditions in next post

Thanks will have a go

Thanks Silverfox for the advice.It is a variable loan and i think the insurance came as part of the loan they have not sent me an paper work to suggest ortherwise.I did cancel this insurance after 12month.

Some advice would be most welcome before i decide what my next move should be:confused:

Hi is there anyone who can say if i am on the right track with my previous post.THanks:cool:

:confused:Hi everyone.Recevied SAR today from Paragon today.They have sent me copy of my CCA and loads of paperwork containing all my transaction since 1996.Unable to upload CCA has have no scanner at the moment but the maim parts are laid out as follows Amount of Loan £10,000,00 Monthly Repayment £198.92 Current Rate of Interest 20.85% per annum Annual Percentage Rate(APR) 22.90% Estimated Number of Repayments 120 OPTIONAL PAYMENT PROTECTION Monthly Repayment £35.81 Total Monthly Repayment £234.73 After reading about CCA am i right in thinking that there should have been (1) Total amont payable including total amount of intrest (2) The APR should be no more than 1% more than the current rate per annum, in this case it is 2.05% (3)NO RIGHT TO CANCEL is not written in the Terms and Conditions Hope to get some feedback

Sent Subject to Access letter of yesterday.Should i also send in a CCA request.

Thanks very much will send it off on Monday:)

I have received no statements at all till the one they sent me last week,but that only showed last years payments and interest.

Hi i have paid reduced payments from 1998.I just assumed that my balance would be going down as they had not asked for any increase in payments.

Hi please disreguard this have now posted in the General Debt Forum Sorry a bit thick:(

Hi Took out £10,000 loan with Universal in 1996,Pargon took over 1998 agreed reduced payments.Had no contact with then over the last 8 years then last week recived a balance from them of£25,000 dispite paying then over £22,000 over the last 13 years.Would applying for my CCA the best way forward.Thanks.

Hi everyone i took out a £10,000 loan with Universal in 1996.Paragon then took this over and i agreed reduced payments with them.I have had no contact from them for the last 8 years.last week they sent me a balance stating that my Balance was over£25,000 dispite me paying them in the region of £22,000 since 1996.Would applying for my CCA be the best way forward.