Unenforceability & Template Letters

never-in-doubt

Is it part if this mate? http://www.bankofscotland.co.uk/marine/

Grifter09

Yes. I have just found a web site that states unregulation on loans over £25K was abolished in 2006 or 2008 (don't quite understand the jargon) so since then the CCA applies to all loans. Doesn't seem fair. Do you think I can still argue my case from within the cca?

ricardovich

Hi N-I-D and everyone

Just a quick question - how can I quickly check if I have any defaults?

I've tried to register on-line with Experian but they require me to send them bank statements, utility bills etc. through the post (which I will do if it's the only way forward).

However, is there a way of checking my credit rating and/or defaults immediately without having to wait for the vagaries of snail-mail??

Cheers everyone - amazing thread:T

never-in-doubt

ricardovich wrote: »

Hi N-I-D and everyone

Just a quick question - how can I quickly check if I have any defaults?

I've tried to register on-line with Experian but they require me to send them bank statements, utility bills etc. through the post (which I will do if it's the only way forward).

However, is there a way of checking my credit rating and/or defaults immediately without having to wait for the vagaries of snail-mail??

Cheers everyone - amazing thread:T

You're best to send a statutory request (£2) to each of the 3 CRA's enclosing a copy of your passport/driving licence and a utility bill with your last 6 years of addresses.

Credit Reference Agencies Addresses:

Experian Ltd
Customer Support Centre
PO Box 8000
Nottingham
NG80 7WF

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US

Call Credit Plc
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ

never-in-doubt

Grifter09 wrote: »

Yes. I have just found a web site that states unregulation on loans over £25K was abolished in 2006 or 2008 (don't quite understand the jargon) so since then the CCA applies to all loans. Doesn't seem fair. Do you think I can still argue my case from within the cca?

Can you be a lot more specific as to what is happening so we can help properly?

Personally, i'd post a new thread over here and we'll answer you accordingly but you'll also get more people looking and this will help you.....

Post a new thread here: http://forums.moneysavingexpert.com/forumdisplay.html?f=76

never-in-doubt

Rainy wrote: »

Thanks N-I-D, :beer: There's already a default on the loan so it appears to be an idle computer generated threat.

Just to complicate the matter further, I received another letter from Blair, Oliver and Scott today (dated the day after they sent their computer generated nasty one) accepting my token monthly payment (which is already in place with The AA and wasn't the aim of my letter to them at all)

It tells me to pay them directly now and they are acting on behalf of their client Bank of Scotland (who I believe powers the AA financial bit). I'm going to try and dig a little today and find out if The AA have passed the debt on or not. I don't want to stop paying the AA and jeopardise our agreement because no one seems to want to tell me who owns the debt!

They aim to confuse! Thanks for your help and this great thread :A

Was I meant to answer you lol?

ricardovich

Hi N-I-D and everyone

Thanks for your help with everything - the CCA letters continue to be sent out.

I'm not sure if this next issue should sit on this thread - if not perhaps you could re-direct me?

I have just accessed my on-line Equifax credit report and have discovered I have 3 CCJ's registered:-

Northampton CCBC date 07/07/2006 amount £11,226
Northampton CCBC date 10/07/2006 amount £15,660
Horsham date 14/02/2006 amount £1,855

I knew nothing of these, and don't appear to have any records/documentation of these judgements. I'm not even sure what they are for.

Obviously this discovery is pretty scary for me - what is my next course of action??

Many thanks again
x

never-in-doubt

ricardovich wrote: »

Hi N-I-D and everyonex

Hiya

Have a read here: http://www.consumeractiongroup.co.uk/forum/legal-issues/149589-help-please-re-ccj.html

But i'd make a new thread over here to be honest: Debt-Free Wannabe

ricardovich

Hi N-I-D

You really are a star -thanks so much for all your expertise.:T

Next question:-

Having accessed my Equifax report I can now see which companies have registered a default against me.

Previously I have sent them the 12+2 and the 30 day CCA letters. Whilst awaiting their replies should I send them the template "proof of default letter" - as I have no record of any of these defaults - or should I just wait the statutory 30 days and continue from there??

r
x

bankkiller

hi
can any of you guys confirm if these requirements below for the cca are correct and accurate? I just received a cca from Lloyds tsb, and it doesn't seem to be on one page, and it doesn't have the lenders signature either.
I just want to check whether its unenforceable or not. any advice appreciated, thanks!






I'm still making monthly payments to lloyds.

How to tell if your agreement is enforceable?
The agreement you receive (if they have one to send you) must contain ALL of the following:

* It must be perfectly legible
* It must contain signatures of both the creditor & the debtor
* It must contain all prescribed terms including repayment schedule, interest rates e.t.c.
* It must clearly state "Consumer credit agreement regulated by the consumer credit act 1974 (Not "Application Form" as many people receive, which is useless)
* All the above must be contained on one side of one single document.
* All other documents refered to in the agreement