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Mis-sold CCA / PPI? ~ TCC regs/CCA reg9(4) ~ please help!


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Hi.

I've a thread going in the Debt Collection Industry forum regarding a CCA agreement which, although it looks enforceable to most, i think there's an issue with it being mis-sold due to the TCC regs / Regulation 9(4) of the Consumer Credit Act. Could someone well conversed with this sort of thing please take a look and offer me some advice.

Thanks :D

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/151956-cca-enforceable.html

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Hi

The agreement looks enforceable to me.

 

But on the positive side, the PPi does not appear to optional which it should be, no where on the credit agreement does it state this, also the box is pre ticked also a no no.

 

Write to them claiming back the PPi onthese grounds, as it was in 1998 I would imagine that with interest it could be a large sum of money owed to you, I would not worry to much about it being so long ago i got a refund from a store card from 1997 from GE Money.

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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Hi Adamski. Thanks for your response.

 

Are there any template letters here for claiming back the PPI and any interest? I haven't got a clue what i need to say.

 

I'm still not sure about the enforceablitity of it though. It was reading this thread and what PeterBard had to say thats got my doubts up.

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  • Haha 1

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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