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Moorcroft CCA request. Any help please!

13

Comments

  • Batman3
    Batman3 Posts: 12 Forumite
    10past6 wrote: »
    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.
  • Batman3
    Batman3 Posts: 12 Forumite
    10past6 wrote: »
    Have they sent any T&Cs with the above CCA?

    No just this and the covering letter.
  • 10past6
    10past6 Posts: 4,962 Forumite
    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 professional
  • Batman3
    Batman3 Posts: 12 Forumite
    10past6 wrote: »
    Do you have PPI on this?

    Got to say I really don't know?
  • Batman3
    Batman3 Posts: 12 Forumite
    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?
  • 10past6
    10past6 Posts: 4,962 Forumite
    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 professional
  • 10past6
    10past6 Posts: 4,962 Forumite
    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 professional
  • Batman3
    Batman3 Posts: 12 Forumite
    10past6 wrote: »
    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?
  • Batman3
    Batman3 Posts: 12 Forumite
    10past6 wrote: »
    Is it a 2 sided document?

    No it was just single sided
  • 10past6
    10past6 Posts: 4,962 Forumite
    Batman3 wrote: »
    No it was just single sided
    Is states on the bottom of that agreement

    "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 professional
This discussion has been closed.
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