cityredgirl v Welcome Finance

[cityredgirl]

The total loan amount will be a few things added together not just the 2k you asked for

If you can get the agreement onto computer but not onto here edit personal details off and pm one of us for email address and we can upload it for you

Hya Hun How do i edit personal details I have took a photograph then uploaded to my computer x

[pwg6565]

Hi city. You need to set up an account with photobucket and there are lots of tools etc to modify your pictures. Then post a link on here with your personal details blanked out.

 

Image hosting, free photo sharing & video sharing at Photobucket

[cityredgirl]

Edited July 7, 2010 by cityredgirl
Personal details being shown

[cityredgirl]

woops sorry if thats too big, but am i doing this ok

[cityredgirl]

[emanevs]

this agreement is another joke from 2005!!!

[cityredgirl]

[cityredgirl]

[cityredgirl]

Do i need anything else on here guys?? Im absolutley rubbish with figurs so im not quite sure what im looking at or for? Thanks for any help, advice xx

[cityredgirl]

Im uploading the Personal loan statement they have sent..Should be interesting to see how the figures stack up!

[emanevs]

Section 6 Consumer Credit Regulations 2006

Statements to be provided in relation to fixed-sum credit agreements

After section 77 of the 1974 Act insert—

“77A Statements to be provided in relation to fixed-sum credit agreements

 

(1) The creditor under a regulated agreement for fixed-sum credit—

(a) shall, within the period of one year beginning with the day after the day on which the agreement is made, give the debtor a statement under this section; and

(b) after the giving of that statement, shall give the debtor further statements under this section at intervals of not more than one year.

(2) Regulations may make provision about the form and content of statements under this section.

(3) The debtor shall have no liability to pay any sum in connection with the preparation or the giving to him of a statement under this section.

(4) The creditor is not required to give the debtor any statement under this section once the following conditions are satisfied—

(a) that there is no sum payable under the agreement by the debtor; and

(b) that there is no sum which will or may become so payable.

(5) Subsection (6) applies if at a time before the conditions mentioned in subsection (4) are satisfied the creditor fails to give the debtor—

(a) a statement under this section within the period mentioned in subsection (1)(a); or

(b) such a statement within the period of one year beginning with the day after the day on which such a statement was last given to him.

(6) Where this subsection applies in relation to a failure to give a statement under this section to the debtor—

(a) the creditor shall not be entitled to enforce the agreement during the period of non-compliance;

(b) the debtor shall have no liability to pay any sum of interest to the extent calculated by reference to the period of non-compliance or to any part of it; and

© the debtor shall have no liability to pay any default sum which (apart from this paragraph)—

(i) would have become payable during the period of non-compliance; or

(ii) would have become payable after the end of that period in connection with a breach of the agreement which occurs during that period (whether or not the breach continues after the end of that period).

(7) In this section ‘the period of non-compliance’ means, in relation to a failure to give a statement under this section to the debtor, the period which—

(a) begins immediately after the end of the period mentioned in paragraph (a) or (as the case may be) paragraph (b) of subsection (5); and

(b) ends at the end of the day on which the statement is given to the debtor or on which the conditions mentioned in subsection (4) are satisfied, whichever is earlier.

(8) This section does not apply in relation to a non-commercial agreement or to a small agreement.”

[cityredgirl]

 

 

[cityredgirl]

@Emanevs, What does it all mean hun?xx

[cityredgirl]

[cityredgirl]

anyone?

[pwg6565]

I cant get those figures to add up city ? Lots of those Ad Hoc charges that seem to pop up on peoples statements ? emanevs, what do you think ?

[cityredgirl]

Not just me then I know that i was an absolute idiot to sign up with welscum in the first place was reading through the transcripts and what a load of crap. Funny how they havent included the phonecall when "steve" insulted me! Only my call back to them saying how angry i was! Bleeding cowards!

[pwg6565]

City. You borrowed £2000 but did not ask for insurance ?

[cityredgirl]

I can't remember much from that period but i would never of asked for insurance, because if i did i would of used it when i became ill or unemployed..??? Throughout my dealings i have been out of work on several occasions even homeless at one point.Looking at the paperwork they Traced me throughout and i just cant get an understanding of the whole thing. If they added the ppi on the account would it not of protected me when i was unemployed and Ill? Very connfusing

[cityredgirl]

Pg 4 of my Personal Loan Statement

 

15/2/2005 Loan Disbursement Debit £3108.76

15/2/2005 FEE Disbursement Credit £75.00

15/2/2005 INSURANCE PREMIUMS credit £1033.76

[cityredgirl]

I have also revied the PPi Questionnaire today. How do i send this back? and what should i say?

[cityredgirl]

Bump

[cityredgirl]

Hello Guys please help Thanks xxx

[ozzywizard]

Loads of these questionaires going out, what is your reason for you claiming it is missold ?

[cityredgirl]

It wasn't explained to me verbally or in person and i dont recall agreeing to it and Didnt call upon it