welcome finance help please! is it legal?

[brassed-off-2]

do you have a copy of the original to compare it to? appologies if you have mentioned this in your earlier posts.

 

b-o-2

[lawfrodo]

no. we cant find an original copy, and are not sure that we received one at the time of getting the loan.

 

what do you think about the cca?

[Fester Tester]

I don't see that you have agreed to anything. No signature or date.

[lawfrodo]

i have blanked out the personal/cca identifying info incase wf etc are checking this site.

 

but there is no date on the cca.

[Fester Tester]

Have you already complained about the PPI? Soz, too lazy to read through yer thread.

 

If PPI mis-sold, then should not have appeared in final figure for credit. Therefore, final figure incorrect, therefore does not comply.

 

Despite no date, when might you have taken this out? Before or after April 2007?

[brassed-off-2]

are you still waiting for the sar? this is showing page 9 of 35....

in my opinion...ignore the threat monkeys..they are trying their luck!!

...send compliance a harrassment by telephone letter..no doorstep visits etc. account in dispute failiure to comply with cca

..there will be a letter in the templates section...

 

i need to read back through your thread..before i post anymore.

[lawfrodo]

we took the loan out in late 2008. and we are planning on sending claim for miss-sold ppi and insurances and we were told we needed to have them to get the loan even though i said i didnt want ppi etc, and we both work for agencies.

[Fester Tester]

Soz for hijacking, but here's why I am bulletproof regarding mis-selling...

[lawfrodo]

we havnt sent an sar yet but will do.

 

i think im going to keep the account in dispute for now as they havnt sent the cca by recorded mail and as such they have no proof that i received the hand delivered copy(playing them at there own game as they seem to be denying recipt of payment that i sent for cca request. maybe thats a bit petty but it might buy us some time to get our ppi claim etc and finances in order.

[Fester Tester]

That sounds about right for them. Quite obviously unsuitable due to your employment, at the very least.

 

OK, that makes the agreement unenforcable without a court order. So the account is still in dispute because of the PPI, and the fact it is undated.

 

I am unsure if a court would declare the whole agreement unenforcable though. If it had been before April 2007, a court would have been precluded from enforcing the agreement.

 

So get your complaint in about PPI as soon as possible. Then you may get the FOS involved once their 8 weeks is up, or you receive a Final Notice.

[lawfrodo]

well if that is from your cca then you shouldnt have originally had ppi etc.

[brassed-off-2]

dont forget!! print name only, no signatures...recorded delivery to compliance at nottingham..ASAP!!

[Fester Tester]

Exactement!!!!!!

[lawfrodo]

will do.

 

oh, and they have been calling this morning again, from a mobile.

[Fester Tester]

Have they? Sign them up to as many silly ring tones as you can, but get a hotmail addy to do it from.