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Help – Bipolar Sufferer signs unregulated credit agreement!!!


joemay
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Hi Joe_May,

How's it going..are you OK?

Early bird like me! :)

Elsa x

 

Thanks Elsa, don't to bad. Yes 2 children make me an early bird!!:smile: How r u?

 

Have opened another thread as it appears that MBNA have passed over to Link to early. Default letter doesn't give clear 14 working days. Link letter states it was passed to them at least 5 days to early. Have opened a new link to find out what this all means for us, are they in breach and what are the indications for us.

 

If you have any knowledge of these issues maybe you could you could have a look at the thread subscribed.gifHave MBNA/Link Mucked Up???

 

Thanks

Jane

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hi Jane,

I'm ok thanks..serial early riser from my former years on shifts!

I've looked at your other thread..I've no experience yet with DN's but am researching it same as you as I'm in a similar position. Mine was issued while account in default due to them not supplying full documentation for my CCA request. I'm looking into whether I should sit tight and let them terminate the account before informing them of this, as as far as I can gather this would mean they could only claim the arrears not the full amount. Don't take my word on that though..I'm still looking into it.

If I find out any more I'll let you know.

Glad to see you're settling in here..it gets addictive!! :)

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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Do you think that maybe I should put thread for unregulated agreement on the legal threads as people are suggesting going to Law Centre. Law centre overloaded can't get appointment for quite some time?

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That sounds like a good idea.

Also, have you checked out the online Community Legal Advice site?

About Us

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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Only site moderators can move threads,you'd need to ask them.

If you go to the main consumer forum page: http://www.consumeractiongroup.co.uk/forum/ scroll down to list of members online, right at the bottom.. the site team around at the moment are the names in orange. Just click on a name then send them a message.

 

Alternatively you could start a new thread in there and link it to this one for reference.:)

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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Moving thread to Legal Issues

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

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Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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What specific help are you looking for joemay?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Basically, OH had signed an unregulated agreement for a car. This was totally out of character. Shortly after he was diagnosed with Bipolar Affective Disorder. I suppose what i'm trying to establish is as he was not fully compos-mentis when he signed the agreement, can the agreement be enforced. The car has been repossed, sold at auction, they are chasing for the shortfull? It there anything we can challenge the DCA/OC in order to stop them trying to recover the £20k they saw he still owes, considering, due to his condition,that he really didn't understand what he was signing/getting himself into.:(

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There was an item on TV of a cagger whose father was being chased by a DCA for debts when he was mentally ill. I'll see if I can find the thread about it.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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