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Northern Rock Credit Agreement - Help


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Hello,

 

A bit of background, i took out a loan of £10k with northern rock in 2004, over a period of 120 months, including PPI.

 

During 2008 i succsefully reclaimed PPI via a third party company, they then issued a letter to 'reschedule the loan'.

 

This was during 2008.

 

Attached are the letters and the only documentation i have received or signed on this issue.

 

Does it validate Northern Rock? Is it an enforcable agreement?

nrock1.JPG

nrock2.jpg

nrock3.jpg

Edited by nonnynonny
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They're a bit too small, if you upload them to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & then copy and paste the URL back here we'll be able to see them.

Anthrax alert at debt collectors caused by box of doughnuts

 

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Can you remove & edit them they show your a/c details?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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What do you mean when you say "Is it an enforcable agreement?", if you mean does it enforce your original agreement, no because it is separate entity. If you mean enforceable with regards to your PPI claim, yes if you signed the acceptance form.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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It's not an agreement, it's a proposal. The new agreement would have been formed when you signed the acceptance form.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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So the acceptance form is a new enforcable credit agreement in the form i have posted here?

 

The other attachment which confirmed the details also shows a £1 difference in payment from the acceptance form i signed.

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We would need to see the original agreement really to see how the PPI was originally included into the loan.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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It looks right, you have £10k still owing and they've reduced the payment from £192.30 down to £129.51 x 77 months.

 

I've asked someone else to have a look for you when they come online & to check out the CCA.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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Not to be at all pretentious, but the promises of 'assistance' from this website seem to be as likely as promises of 'assistance' from the banks in 'helping' customers.

 

This statement is a little unkind dont you think ? This is a self help site, anyone offering assistance is a volunteer and there are many requests for assistance made. So it might take some time for an answer unless your post/thread is flagged as urgent.

 

I am a little unsure of the question you want answering.

 

If it is in respect of the CCA, you will find some answers in the following link.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

 

 

Are the free companies that look at this worth using?

 

If you are wanting an answer to the question above. I am unaware of any "free companies" and the MOJ (Ministry of Justice) is actually advising against using Claims management companies.

 

HTH

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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This statement is a little unkind dont you think ? This is a self help site, anyone offering assistance is a volunteer and there are many requests for assistance made. So it might take some time for an answer unless your post/thread is flagged as urgent.

 

 

Thanks for getting back to me, communication is the key.

 

I felt slightly guilty making an outburst, but in my working world if i say i am going to something i do it when i say i am going to do it.

 

This problem is one of the biggest issues i face daily in the construction industry, people simply make commitments they cannot keep or promises they dont intend to keep.

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