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What to do next? Pls help


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Hi everyone,

I'm new to the forum and to recovering my debts, so not sure what to do next.

 

I've sent a request for loan agreement from three banks I have loans with, one came back with my signed agreement (Cahoot), second didn't respond at all (Alliance & Leicester and it's been over a month) and the third (Nat West) came back saying they can't find my signed agreement. I should add that I've been duly paying off my loans for two years, and still have two more years to go.

 

Can I get some money back? These were loans for several thousands of pounds. Your advice will be much appreciated.

Many thanks

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you can certainly reclaim any charges/ppi regardless.

 

for those that fail to comply with the CCA properly, you may cease payment & place the A/C in dispute by sending the failure to comply letter.

 

if you mean reclaiming your payments because they have no CCA, then no, a failed cca simply means they cannot enforce the debt till an enforceable CCA appears, it does not mean the debt goes away.

 

it does however put you in a very strong possistion to make a very low F&F to close the matter though.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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