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Finding a dodgy CCA long after loan was repayed.


Guest suziedarkness
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Guest suziedarkness

Just need to see if anyone has any ideas on the following.

 

I am in the process of trying to sort out loans that I have had with GE Money. I am looking at what I can hit them with as the accounts are now all closed for one reason or another.

 

They are not complying with my SARN request which is more than annoying but I have CCA for one of the loans and it was regulated as it was under £25,000. The agreement is rubbish, apart from possible multiple agreement argument, prescribed terms are missing.

 

As this is now paid up, does anyone have any ideas what i could do about it if anything and what I might achieve by challenging it.

 

Suzie

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As far as i am aware if the agreement isn't enforcable then in law the money loaned to you was deemed to be a 'gift'. I would have thought your payments to them would be deemed the same way.

Although if you were mis-sold PPI i would think you could claim this back.

 

Don't take my word for it tho, wait to see if someone else answers.

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Guest suziedarkness

I realise I cant make it unenforceable but there is the question of recission.

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I realise I cant make it unenforceable but there is the question of recission.

 

 

What exactly are you trying to acheive - you borrowed money, repaid it and now you want to do what?

 

PPI if missold can be reclaimed.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Guest suziedarkness

Well yes, PPI is an option but the reason I asked is I have found paperwork for a couple of loans taken out within the last 6 years.

 

Looking at the CCA's, they are rubbish. with prescribed terms missing. I also noticed to my horror the amount of acceptance fee, mortgage indmenity fees (even though they were not a mortgage) included that I obviously took no notice of in te beginning. Also I was well stitched up when these were settled.

 

Just wondered if I could claim anything back.

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