hp agreement problem**WON**

[pebs]

They have not charged for ppi just gap insurance and admin fee and option fee, these are on the agreement before credit charges added

[pebs]

sorry, whats a cca?

[postggj]

if the acceptance fee outher fees have been added before calculating interest (relax) agreement not executed properly, crap, get your agreement under cca requst then get back to me. they cannot enforce agreement. wilson case. that is my court claim. you have won, kiss welcome goodby

[postggj]

cca

consumer credit agreement

[postggj]

ill get the legislation but i am sure the practice of including charges before calculating interest has been made illegal by the office of fair trading. if they are still doing this they could lose there consumer credit licence. please post agreement asap to inspect. deleate only personel detalis

[pebs]

agreements states

 

M -cash price of goods - £6,700

N -insurance - £245

S -Acceptance fee - £195

T - Finance charges - £4,688.84

U - Option fee - £100

 

V -Charge of credit for goods S+T+U = £4,983.84

W -Charge credit for insurance - £166.84

Total charge for credit V + W = £5,150.68

[postggj]

this is getting better they cant charge acceptance fee and finance charge which is illegal. realy need to see agreement. but by what you have said once you get your cca you can lawfully with hold payments while in dispute with no penalty. do everything by post. these people will try to get you to sign new agreement. dont even talk to them. like i said kiss welcome goodbuy

[postggj]

hope i have made your day,felling a lot better

[pebs]

Thanks a lot. I`ll upload my agreement tomorrow afternoon(about 2pm) for you to look at.

Thanks again for advice.

[postggj]

believe me my pleasure

[postggj]

onew question which is new to me what is option fee £100.00

[pebs]

I have no idea!!

[postggj]

you will get that answer on your sar.

seems another illegal charge at high rate of interest. just think all these charges you can claim back at 8% apr

[pebs]

ok,I`ve just read the small print.

 

(Description of) option fee - you may exercise your right to buy the goods by paying the option fee, if you do not exercise your option you must return the goods in good condition no later than the final payment date.

[postggj]

get your cca request in asap that way they cant default you

[pebs]

Do I just say on the S.A.R I also require a consumer credit agreement, sorry not very good with this!

Is the cca not what I already have?

[postggj]

the cca is a seperate request. they will provide there copy of the agreement. tell them until they comply the account is in dispute. they cant enforce or default you then.

the sar will produce all information on you that they have. only the cca will put the account in dispute. all avalible in the templates section

[pebs]

I have scanned my agreement into my laptop, can anyone advise me how to upload please?

[pebs]

I cant find the cca template anywhere!

[postggj]

to upload agreement use photo bucket

[postggj]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

cca try this

[pebs]

Thanks I`ll do that now.

 

Just realised the letter I wrote to them was a request for my credit agreement.

My letter basically said "due to the ongoing problems I was having I would be seeking legal advice and therefore require a copy of my credit agreement.

Do you think this is good enough as a cca request because I understand from here they only have 12 days to reply and I sent it 28th sept so the clock is ticking but I suppose it could be stuck in the post with this strike!

[pebs]

removed

[postggj]

please supply bottom of agreement ref where your sig is and theres signed on behalf

[postggj]

do you have t&c/ cancellation rights/ default rights