Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi. I'm so sorry about your husband, it's a tough time for you.   Feelings can run very high after someone dies and sadly your son doesn't seem to have helped. A bereavement can bring out the worst in people, I've seen it.   Obviously I don't know the ins and outs of what's happened but is getting embroiled in a family row going to make you feel any better? If you possibly can, I would give this a bit of time so that your feelings can find some kind of equilibrium.   Also, are you sure that this is the time to be trying to sue someone for libel? It's never easy and it can be very expensive.   Hugs, HB
    • I would like some advice please.   I lost my husband a week ago. My son is causing a lot of trouble in the family, and has posted a libellous post about me on facebook. My brother told me about it, as I have blocked my son.   My brother has also given me a print out of the post, ready for any solicitor that may be able to help me.   I am so upset about the post, and what my son has written is so nasty that no son should be able to say anything like it about his own mother.   I do hope that someone can help me with this matter, as its not the first time he's posted something nasty about me on facebook. I've tried to report it to facebook, but without luck.
    • Yes begging letter, he would as FTMDave indicates have difficulty with that letter, as parking cases are generally not suitable for Arbitration. There are multiple factors that kill his pig for him, that he will only see when his cut & paste WS is done, and rebutted.
    • the letter i received doesn't give any account details to whom payment should be made, or how to pay e.g. via phone , card etc   just says payment should be made to the person named at the address for payment, giving claimants reference and claim number   gutted,    just came across this article from January 2020 i can't believe i misinterpreted / misread the  court documents i received.   i always thought the AOS was all i had to submit, until i received a court date and that i would have to file defence then. Judge throws out fines issued at notorious Sheffield car park Fines at a notorious Sheffield car park have been issued illegally after a judge dismissed charges against several defendants.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
christine63

CCA attached

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4030 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

NRCREDAGG.jpg?t=1245938063

 

Why does the total charge and monthly repayments not correspond to the interest rate quoted?

 

Where are the trems it refers to?

 

Is this legit?

Share this post


Link to post
Share on other sites

The reapyments DO correspond to the interest rate quoted

 

What terms do you mean?

Share this post


Link to post
Share on other sites

Do you know the formula to cacluate it as nothing I find on the internet gets to the same repayments at a rate of interest of 7.9%? The APR of 7.9% gets close and as this is rounded up is probably correct

 

The terms mentioned in the agreement under KEY information are not legible as they are not represented within the agreement.

 

There is also " your right to cancel" missing from the agreement

 

Thanks in advance

Share this post


Link to post
Share on other sites

Google "dualcalc" that'll do all the calculations for you. It shows the rate of interest as 7.5 something % and the apr as 7.9%.

 

The bit about a right to cancel only has to be in there if you did have a right to cancel. Not all agreements are cancellable.

 

From what you are saying about the other terms it appears that they have not sent you the terms and conditions, which they are supposed to do

Share this post


Link to post
Share on other sites

Wow, that looks complicated, dont understand it. However, if your saying the actual interest rate is 7.5% something and the prescribed rate of interest is stated as 7.9%, then surely this makes the agreement unenforceable?

 

I am confused though because with no compounding or extra cost within the loan shouldnt the APR and Interest rate be the same?

Share this post


Link to post
Share on other sites

very sorry, I left out a VERY important word (typing in a hurry) the NOMINAL rate of interest is 7.5%.

 

You're right, the apr and actual rate of interest is the same

Share this post


Link to post
Share on other sites

So when the statement on the agreement is "The rate of Interest is 7.9%" this is correct?

Share this post


Link to post
Share on other sites

yes

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...