cagger80
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Posts
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How much was the loan for (in total) and when did you take it out Or for the sake of privacy was it over £25k and did you take it out before or after April 2008
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Not always true, if the PPI is sold by a broker the lender bears no liability for the mis-selling unless the credit agreement is regulated. In the case of a regulated agreement Section 56 of the Consumer Credit Act will often make the lender liable for antecedent negotiations by the broker.
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If you it was sold by a broker, why aren't you claiming against the broker ? If it was miss sold, surely it could only be miss sold by the person that sold it
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Could it just be the interest accumilated by your mortgage balance until the day it was paid off. i.e your last payment was for december and you redeemed on 18 January, this could be the interest from 1 - 18 January
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I would break it down into very simple terms to the FOS that you have made a complaint to Abbey and that it has failed to respond within the given eight week time frame as specified within the DISP (DISP 1.6) section of the FSA Handbook.
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Leaf ? Your reference escapes me
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Another useful post. You need to get up to date with latest events my good friend.
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As the loan was over £25k and drawn down before the removal of the financial limit execption. The loan is not regulated by the CCA. Instead of a CCA request as suggested, I would advise a subject access request under the Data Protection Act 1998, which will cost £10
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This may help http://www.freshfields.com/publications/pdfs/2008/dec08/24712.pd
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do second charge mortgages fall under CCA 1974?
cagger80 replied to leothelioncub's topic in Mortgages and Secured Loans
Depends on how much the loan was for and when it was drawn down. If drawn down before 6 April 2008 and over £25,000 - no (except unfair relationships) If drawn down after 6 April 2008 - yes However, some caggers have been know to translate it differently to the OFT -
OTC If go back a couple of pages, you will see the post made by Suetonius and Wondermans subsequent "translation" I guess we will find out more later this week
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here you go
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a previous discussion http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/186867-carmel-butler-house-commons.html
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do you mean this evidence ? or this evidence ? Or maybe this?
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1st Charge Mortgages If the mortgage was provided before 31st October 2004 it is unregulated. If the mortgage was provided after 31st October 2004 it is regulated by the FSA.
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