Britannia?

[575832052]

Has anyone ever made a CCA request with Britannia Loans (april 07) and had any joy in a claim of unenforcibility?

 

Thanks,

[dx100uk]

need more info please..

 

give us the history

 

even if its un-en the debt still exists.

 

dx

[575832052]

Sorry, I was just looking through the site and could not see anyone that had tried to challenge a Britannia CCA.

In April 2006 I tool out a Britannia loan for £7500 for Debt Consol, with no PPI. I was given a three month deferment on the payments at the start of the loan.

The loan is over 84 months @ £128.41pm. Im pretty sure that when I took out the loan I just signed an application form and never received a CCA.

I have requested a copy of my agreement verbally and it arrived 4 days later. Since then I have done nothing about it.

Im aware agreements Pre April/May 07 had a lot of loop holes where people could get out of their debt (I work in a DSAR/CCA team that receives requests everyday).

Is it worth challenging, and on what grounds can I challenge (what are the common ones for the pre 07 cca's)

I can attached a blacked out copy for all to see??

[dx100uk]

scan your agreement

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

now, you need to be aware of a few things.

 

this magic bullet syndrome that these claim co's go on about.........

 

an un-en CCA does not get a debt written off, fullstop.

so put that right out of your head.

 

all it simply does, is make it very diff to go to court with it.

 

the debt still exists and can be chased & reported upon to the CRA's.

though it does not compel you to continue to pay the debt.

 

now, what you could do ....

 

if you were to be confident the CCA is un-en & you stop payments, then you can hope that it gets sold on, because the OC also thinks they might be on dodgy ground.

 

if this were to happen, then you could most prob offer a very low F&F to close the matter.

 

dx