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unregulated loan - getting confused


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unregulated loan - getting confused

 

i borrowed 67k

paid 40k

they want 93k

 

i spoke to OFT/FSA/FOS and then back to OFT

 

I was sold a loan by a company with no consumer credit license

OFT say its unenforceable

 

they dont get involved just want to investigate it

 

what - oh what ? please please please do I do now? thanks

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please what is the best type of solicitor to deal with an unregulated credit

agreement (namely secured loan on house at crippling loan shark interest)

- want fairer terms on this

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please what is the best type of solicitor to deal with an unregulated credit

agreement (namely secured loan on house at crippling loan shark interest)

- want fairer terms on this

 

Hi intheblack. I'm sorry you're having problems. If you'd like an answer about this, the way to go is to start your own thread and get answers about your own issues. Someone else might know the appropriate forum, or you could start off here and the site team can move the thread later if it's suitable.

 

My best, HB

Illegitimi non carborundum

 

 

 

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posts moved and new thread created.

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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Can you give a bit of background on this? i.e age of the loan, rough amount etc.

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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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I was sold a loan by a company with no consumer credit license

OFT say its unenforceable

Do you have that in writing?

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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no - not from OFT they are just interested in investigating them for credit fitness

 

I think I do legal from this point, not sure FOS much help

 

They are governed by FLA and do not adhere to banking code

 

i got confidence tricked - paid 40k and its 95k to get out

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Hello intheblack

 

Do you have your own thread ?

 

Just a few questions....

 

Who is your lender?

Was it a first charge or second charge loan?

When did you apply for the loan?

 

Different rules apply to different types of loans and these rules vary depending upon dates and amounts...

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Who was the introducer ? Are you able to post up the agreement here ? (minus the personal details of course). Was the commission to the introducer revealed ? Who are the loan company ? any PPI on it at all ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Posts moved & new thread created.

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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Two threads merged.

 

Can you please stick to this one thread so as not to confuse issues and to enable other posters to see what advice has been given. ;)

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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Could you e-mail or write to your contact in the OFT and get them to say it is unenforceable in writing. if you have that, then you can tell the lender to get lost.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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  • 5 months later...
where is the new thread?

 

 

This is it, it was moved in its entirety. ;)

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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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