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My Credit card and Loans


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OK where to start? here goes

 

Credit cards

 

Capital one

 

1)I have no original agreement from what i have read on this forum i need to send for an original signed agreement.

 

2)Will they want a fee for this?

 

3)Is there a standard letter i must send?

 

Barclaycard

 

Same as above but i will be claiming my ppi back as well will this have any affect on trying to claim it as an unenforceable agreements?

 

Loans

 

 

Black Horse ltd

 

1)I have the original loan agreement here should i still send for an original off them to see what they have got and compare.

 

2)My agreement is only signed by me so I'm thinking its unforgeable is this right i will photo copy it and post later.

 

update here a copy of the agreement do i have a case? any pointers thanks

 

 

page 1

http://i284.photobucket.com/albums/ll17/V8-Diesel/BlackHorse1.jpg

 

page 2

http://i284.photobucket.com/albums/ll17/V8-Diesel/blackhorse2.jpg

 

 

3)I will also be trying to claim back ppi on this loan will this affect my claim for agreement unenforceable.

 

Paragon Personal Finance

 

1)I have a copy of the original = Same question as above

 

2)My agreement lists the PPP in with the loan so i think its unenforceable is this right i will post a copy later.

 

update heres the agreement do i have a case any pointers thanks

 

Page 1

http://i284.photobucket.com/albums/ll17/V8-Diesel/Paragonside1.jpg

 

Page 2

http://i284.photobucket.com/albums/ll17/V8-Diesel/Paragonside2.jpg

 

3)Same as question 3 above

 

4)This is a secured loan could this be a problem.

 

I know there is allot of questions I'm still reading the forum for info but thought i would post for your help as well.

 

Big thanks in advance Andy Let fun begin:D

Edited by BoD-oF-tHe-GrEeN
picture update
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OK where to start? here goes

 

Credit cards

 

Capital one

 

1)I have no original agreement from what i have read on this forum i need to send for an original signed agreement.

 

2)Will they want a fee for this? Yes £1

 

3)Is there a standard letter i must send?

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html#post162367

This is the one most peeps use

 

 

Barclaycard

 

Same as above but i will be claiming my ppi back as well will this have any affect on trying to claim it as an unenforceable agreements?

A SAR is what is needed here

Loans

 

 

Black Horse ltd

 

1)I have the original loan agreement here should i still send for an original off them to see what they have got and compare.

 

2)My agreement is only signed by me so I'm thinking its unforgeable is this right i will photo copy it and post later.

 

3)I will also be trying to claim back ppi on this loan will this affect my claim for agreement unenforceable.

 

Same as barclays

 

Paragon Personal Finance

 

1)I have a copy of the original = Same question as above

 

2)My agreement lists the PPP in with the loan so i think its unenforceable is this right i will post a copy later.

 

3)Same as question 3 above Again SAR

 

4)This is a secured loan could this be a problem. Don't know. someone else can answer that one

 

I know there is allot of questions I'm still reading the forum for info but thought i would post for your help as well.

 

Big thanks in advance Andy Let fun begin:D

 

 

Others will advise much better than me but you can get the ball rolling.

 

fox

 

ps the link above don't work, try this one

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html#post162367

Edited by silverfox1961
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thanks silverfox1961 im on the case now doing my first letter:D

as for the subject access is there a template letter for that and any fee i need to send? i have searched but not found one im not very good at this but im learning.

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A SAR will cost £10

 

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

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***SNAP***

 

 

Hi,

 

Send this with a £10 Postal Order and send it recorded.

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account (add this if it is being sent to a Debt collection agency) formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement/Bank account.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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thanks now doing my letters is there a list of bank addresses any were that i need to send these to?

 

Hi,

 

Each Bank Forum has a list of all contact details in the 'stickys' section above the threads.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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