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Hi All and Dizzi if she reads this,

 

my wife got herself in all kinds of trouble back in 2003.

 

Briefly 10 Cards and 3 loans after she lost control of her spending.

Lots of these things had payment protection.

Managed to find most companies and to date

 

1) ARGOS LOANS Rejection letter,

 

loan for £7000 to pay off other loans,

Argos Loans sent my wife a letter with a photocopy of her acceptance of this loan,

highlighted in this "You have also decided to take advantage of our Repayment Insurance for which the premium is £1,050.00 "

She signed and dated this

 

but Argos Loans, Thynne Street, Bolton, BL11 1AS say that the policy was sold on a non-advised basis

and therefore our advisors were not required to assess whether you had existing cover in place.

 

She was full time with the local council and with a pension so had employee benefits.

 

This sale was prior to FSA and Argos Loans say the FOS does not have any jurisdiction over loans taken out prior to 14th January 2005,

 

therefore you may find it helpful to make use of the Finance and Leasing Associations (FLA) conciliation scheme of which they are a member and are "bound by their lending code"

 

A responsible lender would have checked her credit rating and seen all the cards she owned !

 

Would the original application form had a box to tick to not have PPI which she may have missed ?

 

Any advice of where to go with this would be great !

 

Thanks In Advance milocoon

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if loans were refinanced

add a '0' to any claims!!

 

have you the agreements?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have covered personal details and scanned it as a 4 page PDF file for you to look at. Thanks for your help in this matter.

Heres page 4 the agreement rescanned as ArgosLoansAgreement as I messed it up in the original

Thanks

milocoon

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total pants reply!

 

usual silly speculation

 

you need to SAR them

 

specifically ask for a copy of the previous refinanced loan agreement too.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx100uk

 

I may have given you the wrong idea !

 

My wife took out a completely new loan with Argos Loans it was taken out to pay off other loans/ credit cards and was not a refinanced argos loan, I,ve had a look at the agreement photocopy and was wondering what information a SAR might get us that would help us ?

On the rear of the Loan Agreement (page 4 of the pdf) it mentions our rights under the consumer credit act 1974 and as far as I know my wife didn§t speak to a rep from Argos Loans but just applied by post ?

 

 

Thanks for your help so far !

 

Milocoon

 

total pants reply!

 

usual silly speculation

 

you need to SAR them

 

specifically ask for a copy of the previous refinanced loan agreement too.

dx

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it wont hurt to get the sar details.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
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