Alliance & Leicester CCA

[Stressed150]

Hi guys have today recieved a partial response to my SAR from A&L, the have sent me a copy of my CCA, it looks enforceable to me, butwould like your opinions on what you think, one thing tho, on the back of the doc, I have siged 10/05/05 and this was sent to them by post, they have signed the relevant section however, they have dated theirs 09/05/05, does this hve any effect on enforceability at all?

A&L CCA.pdf

A&L CCA2.pdf

[clemma]

The prescribed terms appear to be there - I am doubtful that their date of signing will have much impact on this being unenforceable.

 

I notice there is PPI on there. Did you take this? If so, was it optional as you could claim this back?

[Stressed150]

Yes I have every intention of claiming back PPI, it was optional however, I remember taking this loan out over the phone, and being advised PPI would drastically improve my chances of obtaining it..... also tried to cancel this PPI at a later date, however, I was advised that this would mean a new agreement credit check etc, and the quote for repayments after PPI would have been knocked of by about £7.00, which was pointless!!! Therefore, PPI stayed on the loan.....

 

I am trying to currently work out exactly how much I have paid to this to dat however, it does'nt give me any indication on the statement off account, just a lump sum of how much ppi was added and the interest..... do I assume that PPI was paid off with the first repayments I made to A&L or is this something that is combined with the repayments over the term of the loan....?

[Stressed150]

Oh, and there is definitely a dodgy DN frm these guys as well, just dnt recall ever recieveing a termination notice from them. I have a copy of the DN they sent me in Oct 06, however, they have not sent this with the SAR, and if ever there was a termination notice sent me back then this has not been encloed with the SAR either, so will be writing back to them requesting these docs.....

[Bendy1-2-1]

Just to put in my two pence worth. I remember getting a loan from A & L and, like you, did it over the phone and was pretty much told that if I didn't take out the PPI then I wouldn't get the loan.

[Stressed150]

Did you reclaim ur PPI?

[Stressed150]

Bumping for any more opinions on CCA attached above....

[Stressed150]

Bumping...