Jump to content


  • Tweets

  • Posts

    • Yes typed it, how would I input it any other way, probably timed out took over half hour. H
    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Cap1 & CCA return


tamadus
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4982 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Thanks un1boy

 

Can I also ask you if i stop paying and then they do supply the agreement, they have to go to court to enforce it i understand, but do any payments missed and the interest accrue during that and must be paid once enforced.

 

Also, what is my course of action if they don't fulfill my request before 12+1 month has expired.

 

Thanks in advance

 

 

No interst and payments not due while they are in default do not have to be made if they rectify the default.

 

Notify them they are in criminal default.there are templates on site

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

Link to post
Share on other sites

  • Replies 17.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Sent me this as proof of me requesting PPi, doesnt prove i requested, proves to me "plus ppi" is added to all loans, more than i requested it.

 

 

This agreement is a laugh!!

 

Get ready to tackle them with your defence. Read the attached CCA 1974- if this agreement is tied to this- you have an awful lot to throw at them!!http://www.fisa.co.uk/downloads/CCA%201974.pdf

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

Link to post
Share on other sites

Thanks un1boy

 

Can I also ask you if i stop paying and then they do supply the agreement, they have to go to court to enforce it i understand, but do any payments missed and the interest accrue during that and must be paid once enforced.

 

Also, what is my course of action if they don't fulfill my request before 12+1 month has expired.

 

Thanks in advance

 

Hiya, you don't need to wait the 12 days and a month - they have already answered and are bound by what they have sent: The "agrement" is completely unenforcable, even by a Judge and they would be very silly to take it anywhere near a court room.

 

If they do then the Judge can't do anything anyway.

 

If they did take it to court and supplied a differnet agreement then the Judge would want to know why they didn't supply it in the first place. Also, they are bound by what they have already given you in responjse to your sec 78 request, under the section mentioned in my last post.

 

you have nothing to lose and the law on your side - write to them and stop paying.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

No interst and payments not due while they are in default do not have to be made if they rectify the default.

 

Notify them they are in criminal default.there are templates on site

 

Absolutely - write to them now and tell them. they can't force you to pay and they cannot add interest or charges to the balance, if they do then they commit a criminal offence!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Quick question.

 

If an account has been defaulted and you then do a CCA request should they supply, as well as the agreement, a copy of the executed default notice.

 

Thanks

 

They have no responsibility to do this on a CCA request. They must supply a copy of anything referred to in the original agreement. As the default notice wouldn't be referred to in the original agreement, they don't need to supply it in response to a S77/78 request.

Link to post
Share on other sites

Quick question.

 

If an account has been defaulted and you then do a CCA request should they supply, as well as the agreement, a copy of the executed default notice.

 

Thanks

 

Well I don't think so, but I am currently telling them that they can't prove it complied with sec 88 of the CCA. they have confirmed they don't have the default notice so I am gonna enter an N1 about it soon.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

They have no responsibility to do this on a CCA request. They must supply a copy of anything referred to in the original agreement. As the default notice wouldn't be referred to in the original agreement, they don't need to supply it in response to a S77/78 request.

 

I asked the question after reading this:

 

Remove Default Notices on a Credit File - We show you how

 

Essentially if they can't supply the default notice they have to remove the default with the CRA

Link to post
Share on other sites

HI

no they don't as you say UNi

However it is up to them to prove they sent it not to you to prove they did not.

Also if default interest is mentioned in the agreement it could be used as inferring that if a default was issued and a copy of the notice would have to be sent with the section77 request.

 

Peter

 

Petr

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

Its fact that they can supplya copy of the default notice because 99% of them are "computer generated" what they can't prove unless they sent it recorded delivery....which most creditors don't.

 

They can't prove you received it.

 

sparkie

Link to post
Share on other sites

HI

Yes i have had one or two CCJs set asside for people on those very grounds it is as well to giv them chance to produce copies though the use of preaction protocol 4.1 with a note saying that in order to avoid wasting the time of the court it wouls be advantqgous to all concerened if a copy if one existed was produced,pre hearing.

Always looks good in court.

 

Best regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

thanks for the advice un1boy and josie

 

Will get my letter off asap. but just to continue with my education,if you don't mind that is.

 

I understand that while they cannot supply the CCA then the debt is unenforceable but doesn't go away.

 

Does this just continue as is forever or until they find the CCA and have it enforced?

 

Also I have read amongst these pages about all interst/payments ever made, being repaid. What are the circumstances of this and is this something we can request or is it just a possible course of action for the relevant authorities to deem?

 

Regards

Link to post
Share on other sites

Its fact that they can supplya copy of the default notice because 99% of them are "computer generated" what they can't prove unless they sent it recorded delivery....which most creditors don't.

 

They can't prove you received it.

 

sparkie

 

I'm not sure they can Sparkie because they would have to provide the One that was actually sent to you, not just a template!

 

I ahve been advised by 2 banks that they can't provide them as they are computer genereated and a copy is not kept on file, only a note to say it was sent.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

thanks for the advice un1boy and josie

 

No probs, let us know when it's done!

 

I understand that while they cannot supply the CCA then the debt is unenforceable but doesn't go away.

 

Basically yes, they cannot enforce it at all, but the debt still exists - you could argue though that as they cannot enforce the agreement and the terms and conditions then they can't process your data, so it should all be removed (I've been arguing with a bank for a year now but I have to enter an N1 to get it all removed!).

 

Does this just continue as is forever or until they find the CCA and have it enforced?

 

Sort of, it would still exist as such and it would still exist on their profit and loss sheets as an outstanding liability, but they can't add interest and can't contact you to pay either, they should not be able to process your data either, so, although it continues it shouldn't show anywhere.

 

Also I have read amongst these pages about all interst/payments ever made, being repaid. What are the circumstances of this and is this something we can request or is it just a possible course of action for the relevant authorities to deem?

 

This is mainly in the case where an agreement cannot be supplied at all. It is very tricky and some cases it has not been granted at all. It all depends on what you want to achieve - I've not been greedy with mine, I've asked for the data to be removed from credit files and a refund of premiums since they "defaulted" as the default notices don't comply with sec 88 and are therefore unlawul.

 

I am all for the banks having to pay back and for cosumers to get their debts written off if the banks have not complied with the CCA, but just be careful about being too "greedy" :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

HI un1boy,

 

I agree with everything you say there, it is the agreement and how you were "supposed" to pay it back that is unenforceable, the debt still exists....but what people have to watch is ....being as you say a little greedy , because if they do the Creditor might look for other ways of getting their money back....say by going out of their way obtaining receipts for goods ,items etc to prove the debtor did have the money and take them to court under a normal claim for a debt under common law.

 

 

sparkie

Link to post
Share on other sites

Hi Sparkie

I note your point about the debt, after all it was (alledgedly) borrowed and (morally) it should be repaid, however regarding interest charged;

 

If the credit card company cannot supply a copy of the executed agreement including the prescribed terms, then on what basis can they argue to charging a given rate of interest, or any interest for that matter, as they cannot prove that it was agreed to pay interest on any sum that may have been borrowed, hence would they not have to refund this interest?.

 

I know the law is often complex and I am just a layman, but what am I missing?

Link to post
Share on other sites

hi periclan1,

 

there is something in the cca 1974 act section 85 that refers to interest being reclaimed something like that someone with more brains than me will point you in the correct direction with this.

 

regards

 

out of cash

Link to post
Share on other sites

Hiya I have a quandry for you!

 

My husband & I took out a loan in 1999, my husband declared bankruptcy in 2001 the loan was included in the bankruptcy which we later found out was wrong because it was in joint names. DCA came after me and I agreed to pay the OC £80 pm which I did up until March this year when I stopped the direct debit. I now have another DCA chasing me (I am currently awaiting my CCA agreement, req sent 4th June)

 

I have been informed in another thread ,that the loan being in joint names would not have been included in hubby's bankruptcy.

 

My husband came out of Banruptcy in 2004. Is it right that they should only be chasing me? it wasn't included in the bankruptcy and the debt is in both names and he is the first named as well.

 

any thoughts?

 

regards minky xxx

Link to post
Share on other sites

Hi everyone,

 

The final crunch would be down to the Judge in any claim brought in the courts for money anyone can apply to the court for interst to be paid on a debt, and the County Court set rate is 8% BUT and there is a big BUT here that is the MINIMUM, he can award more if he thinks it is right in his opinion .

 

A friend of mine got 13.5% interest when he made a claim in court it was a little complicated but because some one owed him money and he owed someone else, he had to borrow the money to pay his debt at 13.5%, and then took the other person to court for his money and, the judge awarded him the interest rate he had been charged on his loan,.... complicated isnt it? but that's what happened, .......he then got an EXTRA 8% interest for his trouble on the money he had been owed off the guy who owed him.

 

sparkie

Link to post
Share on other sites

Hi Sparkie

I note your point about the debt, after all it was (alledgedly) borrowed and (morally) it should be repaid, however regarding interest charged;

 

If the credit card company cannot supply a copy of the executed agreement including the prescribed terms, then on what basis can they argue to charging a given rate of interest, or any interest for that matter, as they cannot prove that it was agreed to pay interest on any sum that may have been borrowed, hence would they not have to refund this interest?.

 

I know the law is often complex and I am just a layman, but what am I missing?

 

Peri, you are more likely able to claim for everything you have paid against it if they cannot provide an agreement (because they cannot prove it ever existed), if however (like in your case) they have provided the agreement but with no prescribed terms then the debt still exits it just can't be enforced.

 

As for any interest or charges from this point on - they cannot add anything to the balance because they cannot enforce the terms and conditions so would commit a criminal offence. If they do you're not paying them anyway, so they are increasing a debt balance which they can't recover.

 

What exactly are you looking to achieve Peri? It might be easier to talk you through what you need to do.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

HI un1boy,

 

I agree with everything you say there, it is the agreement and how you were "supposed" to pay it back that is unenforceable, the debt still exists....but what people have to watch is ....being as you say a little greedy , because if they do the Creditor might look for other ways of getting their money back....say by going out of their way obtaining receipts for goods ,items etc to prove the debtor did have the money and take them to court under a normal claim for a debt under common law.

 

 

sparkie

 

 

Unfortunately for the Creditor the HOL case Wilson v Minister of Trade & Industry stated that in the event of the CCA not being enforceable (or non existent) then the creditor has no recourse to ordinary contract law to recover losses.

 

So No CCA = No money to be repaid.

 

This is the financial penalty that Parliament has set out . They profit heavily from their powers under the CCA so it is only right that if they do not follow the letter of the law they should equally be penalised.

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

Link to post
Share on other sites

Peri, you are more likely able to claim for everything you have paid against it if they cannot provide an agreement (because they cannot prove it ever existed), if however (like in your case) they have provided the agreement but with no prescribed terms then the debt still exits it just can't be enforced.

 

 

Un1,

 

not sure about your comment here - surely Wilson proves that even if they give an agreement copy and prove it exists, if the prescribed terms arent there (or wrong in the case of Wilson) then you can claim back all your payments?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4982 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...