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About Me


Found 3 results

  1. Hi Guys, CCA request return - for Capital One, they sent me what purported to be a reconstituted copy of an agreement from 1998 and told me that they were quite confident that it was fully enforcable. I, of course. have no way of knowing whether this copy is accurate or not. Also, I suspect that they have sent a reconstituted copy because they don't have the original. I have sent them a subject access request to try to flush this out. Do you think I should respond to their letter saying that I don't recognise the document and would expect them to produce the a copy of the executed agr
  2. Hi all, In late 2006, my wife and I took out a loan from Nemo for c£23k with an up front PPI policy of around £6k thrown on top for good measure (I don't have exact figures to hand just now). We sold our property a year or so later and our solicitors paid off, from the proceeds, the loan, PPI and six months interest (you know, like they do), which astonishingly totalled about £29,500. A few things happened next: My wife had a breakdown after the close proximity death of both her parents My own mother died I presented a claim for my PPI in 2008 My claim was
  3. After recieving a letter from a DCA I sent off a CCA request to them. Today I have recieved a letter from the original creditor who the DCA had sent on my CCA request. Basically in their letter they say the following "Section 78 only applies during the lifetime of the agreement. As the above numbered account has been closed, and the balance paid off in full, there is no longer a regulated agreement between ourselves." Does this mean this is now unenforcable?
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