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Welcome finance - what can i reclaim/dispute


Sand-Dancer0191
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First a big HI :D to everyone.

 

Now this is my first post so please bear with me as I am still reading all this imformation (what a goldmine).

 

NOW just to get started I would like some advise on the following:

- I have 2 outstanding debts,

one is a loan

the other is a credit card.

 

Both debts have been paid at a nominal rate (loan 9yrs & card 7yrs)With interest frozen.

 

I have been told that I could have these debts cancelled...

 

.Is this true..If so how and on what grounds???

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Hi sand-dancer0191 and welcome to cag:)

 

Please read and feast on the treasure trove of information cag has.

 

The debts will not be cancelled but you can check to see whether they are enforcable or not by sending a CCA request. All the template letters are here and if you have any questions just ask away:)

 

Who are the debts with?

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The debts would only be 'cancelled' if statute barred which i understand to be no contact (i.e payment) for 6 years? I may be wrong in this but im sure someone will be along to help - Welcome to CAG

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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The debts would only be 'cancelled' if statute barred which i understand to be no contact (i.e payment) for 6 years? I may be wrong in this but im sure someone will be along to help - Welcome to CAG

 

 

Yes if you have not acknowleged the debt for 6 years it becomes statute barred. This does not count for CCJs.

 

If I read your first post right you have been paying these debts for a long time so statute barred will not used in this case.

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  • 3 weeks later...
  • 4 weeks later...

Hi,

I can't locate the judgement but here is the news story behind it. I'll keep looking though.

 

BBC NEWS | Business | Court lets woman off £8,000 loan

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 months later...

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Company Details

 

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Name & Registered Office:

DIRECT GROUP LIMITED

DIRECT HOUSE 4 SIDINGS COURT

DONCASTER

SOUTH YORKSHIRE

DN4 5NU

Company No. 02461657

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 22/01/1990

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6711 - Administration of financial markets

Accounting Reference Date: 31/01

Last Accounts Made Up To: 31/01/2009 (FULL)

Next Accounts Due: 31/10/2010

Last Return Made Up To: 31/01/2010

Next Return Due: 28/02/2011

Last Members List: 31/01/2010

Previous Names: Date of change Previous Name 03/05/1994 DIRECT FINANCE AND INSURANCE SERVICES LIMITED 20/11/1995 THE DIRECT GROUP OF COMPANIES LIMITED 24/10/2002 DIRECT GROUP PLC UK Establishment Details There are no UK Establishments associated with this company. Oversea Company Info There are no Oversea Details associated with this company.

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If a loan was taken out on the CCA 1974 and the declaration was signed to be bound by that act.

 

Should newer loans not state "as amended 2006" or whatever to let consumers know what consumer agreement they are bound to!!!!!!

 

Any thoughts please

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unsure on this as they are still 'based' on cca1974 even if the amendments do govern that agreement....hmm

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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hmm honestly have no idea that would be something for the legal bods i would think maybe try posting on legalities forum?

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • dx100uk changed the title to Welcome finance - what can i reclaim/dispute
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