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Unenforceable Credit Agreements
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Lighten up, I know you are not sitting on the fence, you have made your view cyrstal clear! Hence the laughing smiley!Nobody is sitting on the fence, what planet are you on?
I am offering some constructive advice and you are twisting words.
I have taken the advice from you and am trying to balance all advice alongside what I need to do to keep a roof over my family's heads should the worse come to teh worse, I am a long way from having to resort to this I hope!0 -
Please accept my apology, working from home today too busy multi-tasking did not notice.HeimRoller wrote: »Lighten up, I know you are not sitting on the fence, you have made your view cyrstal clear! Hence the laughing smiley!
I have taken the advice from you and am trying to balance all advice alongside what I need to do to keep a roof over my family's heads should the worse come to teh worse, I am a long way from having to resort to this I hope!
Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0 -
To quote resolution 2009 number 2.Who got them in to debt? Freekin santa clause?
Get real and take your head out of the sand.
I probably took out 1 too many credit products. As yet, as I say, it is not a problem but I want to act BEFORE it becomes one. Therefore my request to get information so I can have a 2 sided discussion rather than be brow beaten by the bank. The majority of consumers have to bend over and take it as they do not know the law, this site is a wonderful way to give the consumer a bit more balance and protection. It is for this reason I am asking tehse questions, I think I am an intelligent and organised person, hence i want to tackle this before it is a problem, not after it becomes one and I get desperate. If it is a loophole that should not be followed then I can look at other options. You have a number of resolutions this year, will you be researching all your options before you follow them or will you just jump into trying to do something? Well I want to do research so I dont get into a worse position!0 -
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Great stuff.HeimRoller wrote: »No problem, I am busy homing from work
Good luck with getting debts sorted out.Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0 -
HeimRoller wrote: »To quote resolution 2009 number 2.
I probably took out 1 too many credit products. As yet, as I say, it is not a problem but I want to act BEFORE it becomes one. Therefore my request to get information so I can have a 2 sided discussion rather than be brow beaten by the bank. The majority of consumers have to bend over and take it as they do not know the law, this site is a wonderful way to give the consumer a bit more balance and protection. It is for this reason I am asking tehse questions, I think I am an intelligent and organised person, hence i want to tackle this before it is a problem, not after it becomes one and I get desperate. If it is a loophole that should not be followed then I can look at other options. You have a number of resolutions this year, will you be researching all your options before you follow them or will you just jump into trying to do something? Well I want to do research so I dont get into a worse position!
It's not a "loophole". It's the law. If there is no legally binding credit agreement there is no debt.0 -
So if you can't produce the deed's to your house then - it is not your house?Silver_Rocket wrote: »It's not a "loophole". It's the law. If there is no legally binding credit agreement there is no debt.
Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0 -
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Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0
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That was not a rhetorical question. :rolleyes:
You haven't addressed a single point I've made in an effective manner- critically the three major ones with regards to the banks and their "morality".
It's a stupid comparison and it's a meaningless question . Had you obtained a property and the title was unsafe or unregistered you would have a claim against the solicitor who acted on your behalf. Before you even got a sniff of the keys there would be agreement that a safe title was ensured between both parties and all creditors and lenders. If it never gets lodged your lawyer is liable and you and your mortgage lender will be chasing him legally from pillar to post.
You don't even need physical title deeds (certainly not in Scotland anyway) - that's what the Land Register is for - who incidentally also have give indemnity against the integrity of the records they keep.
The banks have a duty to ensure that they meet all the requirements of the CCA. If some didn't then that's down to them. If they don't keep records then they are ignoring the rules. There is nothing illegal in challenging an unenforceable credit agreement.
Bankers must love people like you.
Yes sir. No Sir. Whatever you say Sir.
:rolleyes:0
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