Suspended Order of Sale question

girgis

can any one tell me what is CCA requests and what is SAR subject access request means?

Thanks

kate2510

creditcritter wrote: »

how can you be made sell your house for an unsecured debt .

By obtaining the charging order on the house MBNA have effectively turned an unsecured debt into a secured one - secured on your house. This has happened to me (MBNA also) and I have been told there is nothing illegal about it! When they held the application in the county court I was unable to attend as I was recovering from a broken femur and clinical depression and could not face any more stress and so it went uncontested. What really rankles is that almost 30% of the debt must be charges and interest added after they had been informed of my inability to pay and my state of health. They have now instructed a DCA to force payment. I am trying to find out if it is possible to return to the Court to try to make them remove the charges and refund PPI payments which I believe were mis-sold as I made no secret of the fact that I was self-employed and always questioned whether the insurance would pay out - which it did not.:mad:
I wonder if anyone has succeeded in doing this?

RAS

Hi

There is a whole forum on PPI recalims, which are particularly relevant if it was a single premium PPi, and another on reclaiming charges

kate2510

girgis wrote: »

can any one tell me what is CCA requests and what is SAR subject access request means?

Thanks

CCA request = asking the lender to supply a signed legible copy of the agreement you sign when you take out the credit card.

Not sure about the Subject Access request - can anyone help????

10past6

kate2510 wrote: »

I wonder if anyone has succeeded in doing this?

If you admitted the initial claim, you'll have great difficulty having the CO removed.

cheesedoffwithdebt

girgis wrote: »

can any one tell me what is CCA requests and what is SAR subject access request means?

Thanks

I've just been emailed the link below regarding developments in the challenging credit agreements situation;


http://www.timesonline.co.uk/tol/money/borrowing/article6243235.ece


It's looking pretty similar to the issue of challenging bank charges- Ive just asked for CCA's from MBNA who surprise surprise haven't bothered to respond within the statutory time period- I don't believe all the papers say and will be contacting the Ombudsmans service for some guidance on this- however it's worth bearing in mind if you are on here for guidance that this is not a clear cut area of the law, and the lenders are getting wise to what must be a huge number of individuals and companies on behalf of, writing in to potentially challenge agreements.