Opinions on the validity of my personal loan CCA fromLTSB

[RubyRose]

I am attaching the CCA i received from LTSB and would be grateful for all advice regarding its validity. There are two pages of terms and conditions stamped with a 10 digit number, date and time. Iam having problems making the image into a size that can be seen and read easily. Please help or bear with me until i figure it out.

Thanks

Ruby

[pt2537]

Hi there,

 

you need to upload it in Photobucket or another image hosting service

 

as it is i cant read it

[RubyRose]

how do i access photobucket never used it

thanks

[RubyRose]

Yeahy I am not so stupid after all

[AndyOrch]

Ruby

 

Does the T&C look in anyway linked to the agreement either via letters or numbers and any date?

Did you sign this on the creditors premises?

Did you recieve an uptodate statement of account?

 

 

Regards

Andy

[RubyRose]

Ruby

 

Does the T&C look in anyway linked to the agreement either via letters or numbers and any date? Andy it has the stamp that appears in the left hand corner on both the terms and conditions pages which i will upload also.

 

Did you sign this on the creditors premises? Yes, i did but was not given a copy to take away.

 

Did you recieve an uptodate statement of account?The statement is from the date of the start of the loan till 29th May 2007

Regards

Andy

 

thanks Andy

Ruby

[pt2537]

Hi Ruby,

 

IMHO, for the purpose of enforcement,if this document was presented before the court. the judge would be able to issue an enforcement order as it contains the required prescribed terms and would be enforceable by way of s127(3) CCA 1974

 

sorry to be a party pooper

 

regards

paul

[RubyRose]

Thanks Paul would they not need tp present the original document not one of those microfiche ones that they have presented me with.

 

Andy I am attaching the T&C.

 

All opinions valued and respected.

 

http://

 

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[AndyOrch]

hi Ruby

 

I would have to agree with PT on the enforcability issue however as you point out they would have to produce the true signed (legible) document in court.

With regards to the T&C if there is any way you can investigate that they are not the T&C from time of signing , ie penalty/ late charge etc I notice it says £25.00, then it would be proof that these are in fact current T&C which would indicate your requst as not been complied with.

Sorry I have no further to offer unless you go for any penalty charges to reduce said debt.

 

 

Regards

Andy

[RubyRose]

Thanks Andy i need to spend a bit more time going through it

 

Ruby

[robcag]

Hi Ruby

 

I only just came across your thread, but I'm glad to see you took the plunge and decided to start making CCA requests after your initial cautious approach a week or 2 ago .

 

Regarding the account in this thread, have you been issued with a default notice? If so it may be worth posting it up after concealing any personal details so that those in the know can give it the once-over to see if it is valid or not.

 

Even if this account is shown to be enforceable there is still a chance that other accounts may not be!

 

Good luck

Rob

[RubyRose]

Thanks Rob it was the encouragement from you and Goldlady and everybody

 

Ruby