Jump to content
  • Tweets

  • Posts

    • I suggest that you start again by sending them an SAR. However, I think that in the SAR, you should make it clear that although this is a fresh application, you note that you previously made an application dated XXX and that they failed to comply in that the disclosure they made was incomplete. You should remind them that this is a breach of statutory duty and that it may be subject to a complaint to the ICO or more serious action in court. Tell them that in respect of this fresh application, you want everything that they have about you on any matter and in any form. Use our template and modify accordingly. Do not send SAR requests where you specify precisely what you want. That limits it too much and it means that they may have other information which is relevant but they feel that they don't have to provide to you because you haven't specifically asked for it. You should leave your requests wide open so that they have no basis for any trickery interpretation
    • how do you pay your PP balance? have you a debit card registered on paypal? that then requests the sums from your bank   dx  
    • And like I said I didn’t pursue it because I just gave up. I wasn’t getting anywhere with it. I’m not clued up with all this. I just saved for a new car and started again.
    • No I just googled insurance lawyers.    I don’t know what you mean by put a copy? There is no copy. I asked for it over the phone     
    • What is it you would like to know I need someone who is in involved  with the legal system If anyone would like to phone me on my mobile  as it will take too long to write down all what has gone on over the last eight years fighting Rooftop Mortgages
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Does anyone know if this is a valid CCA?

Please note that this topic has not had any new posts for the last 4402 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

You can reclaim the penalty charges from whoever added them to the a/c when it was "out of order" - I assume this is HBOS.


You mention that DCA's may have added charges - this is a different matter. Can you clarify exactly what you mean here.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING



                                            Have we helped you ...?  Please Donate button to the Consumer Action Group


Please give something if you can. We all give our time free of charge but the site has bills to pay.


Thanks !:-)

Link to post
Share on other sites

You can reclaim all unlawful debits, not just the charges. If the charges were added to total debt, they will have added interets to the charges- this interest can also be reclaimed to reduce the "debt"


Same applies to missold PPI charges- if the premiums were added to the total debt, interest will have been added on them as well.


Interestingly, doing this could make the whole thing unenforceable, as the interest applied would not be as stated in the prescribed terms.


The prescribed terms may indeed be on the CCA, but if they are incorrect, particularly if this is because of miss selling (for that read "deceptive selling") the agreement is fatally flawed and they could be piddling in the wind.


And of course, any interest or charges added since the account was terminated is unenforceable anyway.

Edited by noomill060
Link to post
Share on other sites

Im going down the...


"Interestingly, doing this could make the whole thing unenforceable, as the interest applied would not be as stated in the prescribed terms."


..route with Goldfish soon. :D


They are going to love me- I crucified them by claiming back my charges and contractual interest and also got county court interest at the contractual rate as well.


Total charges £595.


I was awarded a CCJ against them for a few coppers short of £2000.

  • Haha 1
Link to post
Share on other sites

Hi, and thanks for your replies.

The charges I refer to were actually added on by blair, oliver and scott. There may be hidden charges too, but it's quite difficult to tell, because the statement of payments was just a printout from a computer. I had thought it would be more like a bank statement, but there you go.

The PPI was added to the loan, so every month I'll have probably paid interest on the loan, on the PPI and a very tiny amount towards the money I borrowed!

I know it's hard to see on the scanned photo, but basically:



INTEREST: £1206.96

TOTAL AMOUNT: £2736.72

Paid in 84 monthly installments of £32.58


APR 18.9% It doesn't state whether that includes the PPI or not. I also elected to have my cheque delivered by courier and that cost £40 - but I needed the money in a hurry!


I will have to work out these sums when I get home from work - I never was very good at working out percentages on a calculator!


Thanks for your help, and good luck with Goldfish! Let us know how you get on?



:o You can't give a baby booze! :o

Link to post
Share on other sites

Hi Gin and Milk,

Re: the ppi, its worth going down the FOS route, this is what my OH has done and altho they said it was a goodwill gesture they are willing to refund, we are having a little discussion along the lines of Noomill's posts as FOS keep saying that BOS are allowed to make up a new loan which will be advantageous to him but he has said he does not trust them because the figures they have come up with are very vague, one good thing is that the harassment has stopped due to the FOS involvement.

Link to post
Share on other sites

Thanks for those replies - I'll do that.

As I've said earlier, I know the amount is small, but at one time these people really, really frightened me - and they knew it.


No more Mrs Nice person now though - the gloves are off!!!

:o You can't give a baby booze! :o

Link to post
Share on other sites
Ooh, very witty - can't stand milk to be honest!!


So, are you saying that you put gin in your tea?



Using CAG Toolbar will generate much needed income - Download Here


Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008


Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.


Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.


Link to post
Share on other sites
  • 2 weeks later...

Could someone please help me work out the percentage (apr) rates that are listed on the 'cca' that i scanned earlier in this post? i never was very good with numbers and i just don't know how to work out whether the apr includes the ppi (or even the £40 i paid to have my cheque delivered by courier).

My head is spinning!

:o You can't give a baby booze! :o

Link to post
Share on other sites
So, are you saying that you put gin in your tea?



No, I pour it on my cornflakes. At the moment I'm going through 4 large boxes of cornflakes a day. Some may say I'm an alcoholic, but actually i'm comfort eating! :grin:

:o You can't give a baby booze! :o

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...