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Moorcroft CCA request. Any help please!
Comments
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It's an application form
from what I can see, it has the prescibed terms, making it enforceable.
I was also looking through my old records today & found many of the offers that Abbey continuously sent out as an invitation for the loan. They all talked about a decision in principle in 1 hour & the loan money sent out in a matter of days so I can't see how they could have set the CCA up correctly.
Guess I'm looking for a few more opinions on this application form/CCA then I'll think about getting my reply letter together.
Any more thoughts.
Thanks for all ya help so far.0 -
Do you have PPI on this?Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
As this looks enforceable I got to think is is possible Moorcroft have cut & pasted the signiture. Effectively joined it together from seperate docs???
Or am I barking up the wrong tree?0 -
OK, this is my opinion on it, the CCA it contains the prescribed T&Cs making it enforceable, although they've not issued the T&Cs when you took the agreement out.
You could dispute it on the basis the T&Cs are missing from the agreement, but I'm sure if it came to court a judge would find in favour of the claimant.
As I say, that's just my opinion Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
Is it a 2 sided document?Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
OK, this is my opinion on it, the CCA it contains the prescribed T&Cs making it enforceable, although they've not issued the T&Cs when you took the agreement out.
You could dispute it on the basis the T&Cs are missing from the agreement, but I'm sure if it came to court a judge would find in favour of the claimant.
As I say, that's just my opinion
What if Moorcroft coudn't show this agrreement with the original signiture on?0 -
Is states on the bottom of that agreementNo it was just single sided
"Please see clause 7 overleaf"Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0
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