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Found 22 results

  1. Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.
  2. When you use Booking.com there is an intermediary between you and the provider of services (in this case a hotel) Are any users aware of a bank making a compensation payment to a customer for a substandard hotel under Section 75 of the Consumer Credit Act 1974, where Booking.com or other similar operators were involved? As many of you will know, credit card companies are frequently claiming that there isn't a direct contractual link when there is an intermediary, but I'm looking for precedents for either settling such cases in the consumer's favour, or better still a judgment at court
  3. hi all has there been any law changes when asking for original copy of cca 1974 ? are creditors still required to provide a copy ? many thanks.
  4. Hi we bought a 4500 corner sofa and 2 seater in March 2017, in Jun 2017 developed spotting, long story but they sent out a furniture specialist who did a report and indicated Manufacturing defect! We confirmed to Harveys that we would like a replacement or refund and the problem was there within 6 months, they stated they will send out a repair company for cosmetic repairs - we rejected this based on the " cosmetic repairs" which may not be permanent, they can not guarantee a permanent repair and they have confirmed there is a manufacturing defect. We have written
  5. I have just seen a RBS agreement from 1992!! At the top it does'nt have the usual bumf of 'this is a Credit agreement regulated under the consumer credit Act 1974' (or similar) I thought this was a must! What legal implications does it have? There are other faults but I can't remember what not having the above means. Its not mine so I can't post it up. Kind Regards jack
  6. Could some expert on here have a look at the attached Secured Loan Agreement and kindly assist in the following questions. APR clearly states 20.10% but Monthly interest is 1.35 %. Surely it should be 16.20% ? If incorrect would this affect the enforceability of the agreement ? Mortgage Indemnity fee charged on a secured loan below £25k - Is that correct ? The loan is secured on my property by way of a charge, not by a mortgage / 2nd mortgage ? Also Welcome have not provided a signed agreement that was dated by them. When would the 7 day cooling off period start from ?
  7. I am curious how this case has been dealt with see here >> http://www.bailii.org/ew/cases/EWHC/QB/2012/2402.html My questions in this Judgment are at para: 10-17 in the above link... Especially para: 17 your thoughts please... As this is driving me mad atm. Can anyone please give thoughts.. PS not sure where to post this thread, sorry.. MM
  8. Multiple agreements within section 18 consumer credit Act 1974 This is just a view and interpretation of s18 CCA and therefore we would advise anyone reading this bear that in mind Section 18 can be very useful concerning agreements where there is a main loan and payment protection insurance. Firstly lets look at what section 18 says 18.Multiple agreements. —(1) This section applies to an agreement (a “multiple agreement ”) if its terms are such as— (a)To place a part of it within one category of agreement mentioned in thi
  9. Today I received another letter from Iqor regarding a sainsburys visa card I do not and have never held. Supposedly issued by Bank of Scotland, contact was made with the bank in writing complaining about wrong info given to Iqor. Bank admitted they had made a mistake and Iqor were told of the error and would not contact me again. Bank also paid compensation for the error. Seems Iqor are totally stupid, can't read or understand instructions from clients as they are still contacting me. Very stern letter now en-route to Iqor and copy to Trading standard
  10. Couldn't think where else to pose the question Any suggestions which body within England and Wales prosecutes s.50 offences and does anyone have access to any reported cases? Relevant section at the following link http://www.legislation.gov.uk/ukpga/1974/39/section/50
  11. What are the Laws regarding overdrafts. A Rough out line, I had a bank account that had an agreed over draft and When I lost my job some time ago I went over the agreed limit. I did everything could to keep straight but spiralling bills just kept dragging me down. I suffered with depression and shoved my head in the sand for a while I tried talking to the bank but they did not want to know and kept hitting me with chargers and interest. I have asked for the provided me with a copy of the signed contract regarding the overdraft pursuant to the cons
  12. I am in the situation where i was the victim of ID Fraud from a previous address. Hillesden have been at me for the last 18 months. I told them i had no knowledge of this debt, put up or shut up and take me to court. I did the usual and put it into official dispute. They came back and stated they believed i was the person that they were after and now seek payment. Now after a 6 month lull i get this. Looking through various threads it seems that hillesden purchase the right to use the Alpins letter head as a frightner. Is this true, or do i nee
  13. Hi Everyone, I am not sure if this topic has been covered yet so apologies if I have not seen the post. I have recently phoned my insurance company for a quote I had 3 points on my licence for going 5 MPH over the limit in a 30 how frustrating was that after 30 odd years with no problems points or bans etc completely clean licence any how I have kept a clean sheet for the past three years and they will be off my license unfortunately the insurance companies are quoting the Rehabilitations Act 1974 and will be on my file for 5 years is this at all fair for such a minor incident my
  14. Does anyone have any references to s172 decided cases? First instance would do... The defendant is getting booey with me and insisting its efforts at compliance are all 'honest' mistakes and would provide for relief (assuming it ever applies)
  15. Hi All New here and really ned HELP! Two issues; 1. On my TMB Flexible Options Agreement on headed paper from TMB it states ; "Credit Agreement regulated by the Consumer Credit Act 1974 on...Property address" - This agreement was signed on by Kevin Wood on behalf of the lender on 14th Jan 2008. 2. Under the heading "Other Financial Information" it says Total Charge for credit is £129.50. This is made up of interest. The amount borrowed was £354,375. - The term 20 years - The APR 7.9% varible. On issue one I would appreciate help in relation to the agreement - is i
  16. Hello, I wonder if you can help me.... Back in 2009 I was awarded a settlement through the Ombudsman for PPI with a bank for a loan. The bank was ordered to put me in a position had I not taken out the PPI so they set me up a new account, new number, new loan amount, new payment amount etc but DID NOT ask me to sign a new agreement. I've repaid the debt now but want to know under the CCA 1974 section 82 here (http://www.legislation.gov.uk/ukpga/1974/39/section/82). Should they have got me to sign a new credit agreement??? Thanks O
  17. If a credit account has been terminated by the creditor, is the creditor entitled to keep charging default interest as to S.86 (B) CCA 1974
  18. Hi Any advice welcomed please. I took out a finance agreement to purchase car some 42 months ago there is still18 months to run. The car is not well and ideally I would like to be rid of it. The interest rate is also phenomenally high. I was desperate for a car at time I purchased and was grateful of any finance at the time. I was advised by a friend that if I had paid over 50% of agreement off I could cancel under the CCA 1974 s99. I have read the agreement and it states the car is the security and that the agreement is not cancellable under the CCA 1974.
  19. Hi all I am very confused. I have been reading this forum for a very long time until I finally signed up. In the past when people have talked about sending a CCA request and that the result was unenforceable they have been told that this site does not condone debt avoidance, Fair enough, neither do I, if you owe a debt you owe it. More recently I have seen some more posts where members of long standing have been talking about debts being unenforceable or do not comply with the CCA. So does sending CCA request work and can you get out of paying a debt if the creditor doesn't c
  20. I am now resident in Australia ,have a clean Aus drivers licence and want to buy a car in UK rather than Rent. The UK insurance co's are gougers when it comes to premiums. To get a reasonable rate i need a UK licence . I have my expired licence which exp 1974 . Is it possible to get it renewed without all the rigmarole of a new test? After all, I can drive on my Australian Licence. I cant find any answer in DVLA nor email contact address Appreciate any advice. I travel Sept 1 2012
  21. On the 21st August 2009, I ordered a Driving Instructor Course. The Course Agreement was between me and LVG Ltd trading as Red Instructor Training was signed 28/08/2009 in the sum of £3728.01. Clause 4c states that no refund is due if cancelled over 30 days from enrolment. (i.e. over 30 days from 28/08/2009) On the 24th August 2009, Barclays Partner Finance issued to me the Fixed Sum Loan Agreement. The Fixed Sum Loan Agreement between me and Barclays Partner Finance was signed by me 28/08/2009 in the sum of £3,728 plus £569.68 Interest @ 9.9% APR repayable £119.38pcm. On the 28th
  22. Hi all Bit of an odd one so I thought Id ask. My friend was getting calls from a company called Palladium who were recovering an unpaid overdraft/unsecured loan for about £17000 in total that had been with Barclays. He knew he owed monies to Barclays but not so much. I sent them a letter quoting the consumer act and an authority and they sent me back some stuff which had no relevance (no signed agreement, no relevant contract, just the terms and conditions of Barclays current accts!!). I brought it to their attention that they were in breach of the act, and
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