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Found 6 results

  1. Can a borrower be a defaulter if a credit agreement is unenforceable? Whilst looking for information on this subject I came across a case that I am struggling with slightly, see attachment. This seems to be a complex question and I am looking for clarity on this subject. Using the information within my attachment can someone clarify whether or not it is correct to make an entry in to a debtor/s credit file that they are in default. "Dispute Resolution analysis: Can a lender properly register a default with a credit reference agency where a borrower has not made paym
  2. I recently took out a payday loan with Quidmarket. Yesterday, I received an email from them saying the agreement was unenforceable as they were to be charging me more than they were legally allowed to. As a result they would not be charging me any interest and all I had to pay back was the capital a month later than I was meant to. Obviously, that is good news for me but I wondered if, as the agreement is unenforcable, legally do I have to pay the capital back ??? I have attached a copy of the email less my personal details
  3. I am in the process of sending a complaint to the financial ombudsman however have read online that it can take 12-18 months for them to deal with complaints and to be honest this has been going on for years so I just want it sorted...... Basically although I know long winded this is the issue at the moment: I originally took a loan out with welcome finance on the 22/2/2007 for £2000 the agreed repayment rate was £105.97 a month for 36months. I made the following payments to this account: £105.97 - 31/03/2007 £105.97 - 01/05/2007 £105.97 - 01/06/2007 £105.97
  4. Hello I have a rather unique problem and although i'm sure that this debt is unenforcable , i would like some clarfication . My partner was recently evicted from a stable / field ,were she kept her horse this was soley due other members malicious gossip . Long story short after been givin just 7 days to remove the livestock ( by law should have been given 30 days ) and after receiving threats of physical violence and harrasment we moved the animals within 2 days , we returned any property that had been loaned to us , and also paid fully up to date . We then s
  5. Hi. Awhile ago thanks to the help I got here I was informed that my Yes Car Credit Agreement was Unenforceable due to missold PPI Insurance, I informed the then DCA involved Hillesden Security in which they replied in agreement saying they won't enforce the debt, but the debt is still owed etc etc etc. Anyway that's been going well for a good few years now, however This Month Ruthbridge has contacted me and unlike previous attempts from other DCA's ( Direct Auto Finance ) instead of the usual "Would you like to pay something?", They have demanded I pay, Threatened me with Bailiffs an
  6. Have a look and let me know what you think. Any help will be appreciated. http://s911.photobucket.com/albums/ac318/zentrix9/MR%20VIRGIN%20MNBA/ I will be sending a SAR request tomorrow to see what I get back
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