i appreciate your response and will get busy on it! Lets see where it takes us and them, Quite bizzarley today, blackhorse have been in touch, my agreement was with the bank of scotland and since the banks cocked up our financial world, they have been taken over by lloyds tsb. LlOyds Knew very little, have no documentation as yet however he did say they had a copy of the agreement Hmm?, and no knowledge of me serving the suject access request for a copy of the contact. He asked me to post a copy of my complaint to the ombudsman and said on reciept of this he will negotiate a reduce settlement so we are all happy :S Obviously the prospect of having my debt largely reduces appeals however i clearly do not trust the banks, and therefor am not sure if sednign them copies of what i have sent before, is going to help or hinder me moving forward.??

just as an update, i managed to balls up the county court paperwork, and despite regsitering my want to represent myself at a local court and acknowledging service a judgment was entered against me. I have request the judgement be set aside and i now have a hearing for this hopefully happen at the discretion of the court on the 18h of June. Prior to the court issuing paperwork i sent the the bank of scotloand a request for the agreement enclsing the £1. Cheque required. I have heard nothing from them full stop or the solicitors they have appointed (DWF). Do i mention this in court first time at the set aside bit or wait to the first hearing? i presume first but an answer would be welcome. I have also appointment a third party company called credti clear uk, no win no fee etc. hey have said if they can reduce my debt by 50% or more the fee is 500 which in my eyes, despite i will have blots on credit file doesnt seem like to bad a deal. Given that the car i still have is worth nearly that figure. If you have any comments on this please let me know

thanks for the feedback

hi thanks for the post to thread, been having a good read and hopefully some will sink in :S. Just a quickie, on the loan agreement the wrong address was used, no1 not no.4 where i live. Does this hold any relevance to my case? Thanks

hi someone else, manythanks for the reply. To top off my problem with a large debt my children's mum has been taken ill so having to work alongside alot of childcare and My situation with this debt has still not changed, and after sending letter requesting a copy of the original agreement i have heard nothing whatsoever after 1 month. The agreement was taken out in FEB 2007. The 115 was a return of my deposit if i remember correctly. How are thigns progressing with your case? My debt is with solicitors and the bank of scotlands legal department will no longer talk to me at all, decling to take calls etc. Also how do i put forward my concerns over the errors in the agreement? you have mentioned your situation is simluar, how did you put it across to them? Hope all is well and things are working in your favour! Regards Adam

thanks my new friend, i shall learn what i can and pass it on to the people that need the knowledge, as this surely is the true lesson of life lol outside of being rountinely stiched up by self motivated self focused corporate greed machines

Hi stercus, I appreciate your feedback in this stressful time. Fingers crossed there maybe an expert around that can crunch some numbers for me. What can i do to help other members as i feel as if i am taking without helping others? Adam

please see the above post for copies of my agreements!! Thanks

ok finally something that can be read in full! Full page fax print.pdf page3.pdf

sorry the pdfs were to big so now redone and in process of uploading them. as the jpegs are tiny lol. will delete others to keep it as simply a possible for you all. Sorry for this. Will be making a donation shortly as i really appreciate the assistance Regards, Adam

I seemed to of reached my maximum upload so have ha to scan at a lower resolution :S now all 5 as jpegs. i hope this is clear enough to be read. now attached are the documents i think you need, i did sign a ppi application form however i didnt want it so never started paying, do you need this stuff? Thanks again its so useful to have someto talk too. Whether or not the outcome changes its just nice to know someone can help. I spoke with my local branch of the oft today, after moaning at consumer direct that they had no info to help me, as soon as i said the agreement was with bank of scotland he said its not even worth him looking at it?

as per your request please see the pdfs of the cca 1974 agreement i signed without realising that it was a loan not a hire agreement. The only things to note is that gap insurance was written into the plan, the address they put the agreement as was incorrect, wrong house number, the mileage was wrong also under other details. Part 1 and 2 here, 1 presume i can do 3 and 4 n next post..

Hi There, I appreciate your prompt reply. I will scan the documents later today and try to upload them. Thanks again Adam

sorry to post this here, im no it guru and computers i find challenging. Ok here goes, i signed a personal loan in FEb2007 CCA1974, despite requesting a vauxhall dealer provide me with contract hire. They promised this was this case and i foolishly took their word and signed an agreement, only 6 months atherwoods did i realise and 3 years on im left with a loan for 11000 and a car worth 5000. This all sounds so silly and i feel like a fool but i put faith in these people and they stabbed me in the back. I have complianed since the moment i realised but the lender (bank of Scotland) does not give a damn and now referred it to a solicitor. I have reffered it to the FOS but still waiting on feedback, not expecting much but i had to try. I have been contemplating these cancel my loan companies but worried about being ripped of by them for little reward in times where i really made need all money i have. Effectively i want to look into the loan i signed, as since looking over the agreement in more detail, there are some incorrect details on the agreement, such a s wrong address, acknoledged by the lender the day before i signed it, other wrong dates ad also incorrect mileage put on agreement. This whole thing seems very complicated and i could really do with some good advice to get me going. I have tried reading lots of posts last few days but cant seem to find what i need to get my teeth into this. Could someone please assist me in these very troubling times. Many thanks Adam