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SLC Cannot Supply The Original Agreement


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so will i get into trouble with the court if stop payments?

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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£1514

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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1. OK FIRST ANSWER IS I PAY £35 PER MONTH AS AGREED WITH COURT.

 

2. I HAVE DUG THE CCA OUT WHICH IS NOT SIGNED BY ME BUT HOLDS THE RELEVANT DETAILS YOU ARE ASKING:

 

amount of loan £2000.00

monthly repayment: £92.75

current rate of interest: 37.0%

Annual percentage Rate 43.9%

Estimated number of repayments: 36

 

it also says:

 

the rate of interest may be varied at any time thorughout the duration of the agreement by the company giving the customer one months noitce in writing. in calculating the APR no account has been taken of any variation which may occur in the rate or amount of interest charged under this agreement.

 

NOTE: I have received no letters informing of interest charge change. also, nothing included in my SAR

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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nothing that i have read no

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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nothing that i have read no

 

I ask because more and more creditors are including this clause in their agreements.

 

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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well mine dates back to 1995 and have not had another

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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  • 2 weeks later...
If its already been dealt with and youve got a CCJ, there is no point CCAing them, as the agreement has been enforced.

 

Sorry, but I cant give you hope.

 

A CCJ isn't an enforcement order by the court. I would make a CCA request. There may be terms in the agreement that allow a creditor to apply CCI.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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  • 2 weeks later...
  • 6 months later...

Calculate APR:

 

Assume you will borrow $100,000, and the lender tells you you’ve got a 7% interest rate. You also have $1,000 in closing costs. The APR on a 30 year fixed rate mortgage would be 7.10%.

 

 

Do this using microsoft excel:

Find the monthly payment for loan and closing costs: =PMT(0.07/12,360,100000)

The format is: PMT(rate,nper,pv,fv,type)

  • .07 divided by 12 is the rate (you’re using a monthly rate to find monthly payments)
  • 360 is the number of periods (payments or months – 30 years here)
  • 100,000 is the present value of your loan (including additional costs)

You should have a result of $665.30. Next, Solve for the APR:

=RATE(360,-665.30,99000)

The format is: RATE(nper,pmt,pv,fv,type,guess)

  • 360 is the number of periods you pay on the loan (360 months or 30 years)
  • - 671.96 is your payment
  • 99,000 is the present value of your loan (how much you’re actually borrowing)

You should have a result of .592%. This is a monthly rate. Multiply by 12 to get 7.0999%.

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  • 1 year later...
  • dx100uk changed the title to SLC Cannot Supply The Original Agreement
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