The Most Shocking CCA Ever Constructed

never-in-doubt

planning_ahead wrote: »

If you did not request PPI cover then you may have a claim regarding that - but I don't think that means the loan is unenforceable (NID will be better at advising regarding that).

It does not make the loan unenforceable unless it affected the whole agreement by way of them adding it into all the figures (incorrectly I may add) - so worth looking into but the fact a loan had PPi added, lawfully or otherwise, itself is not enough to invoke unenforceability.

planning_ahead wrote: »

Edit: My understanding is that people mis-sold PPI can reclaim the insurance premium and (I think) 8% interest on the premium. They still have to repay the loan, unless for some reason regarding the credit agreement itself the loan is unenforceable.

Correct mate - see here for process: http://www.moneysavingexpert.com/rec...loan-insurance

planning_ahead_2

never-in-doubt wrote: »

No need mate - bottom line if she says she did not request it then she should not pay. A lot of lenders used to insist on it being present, even to self employed people that really had no recourse to ever make a claim anyway! So lets assume the OP was a housewife on a benefits income, then it would be easy to prove if it was mis-sold as she'd never have been eligible from the start, make sense?

I agree - if she did not request it then she should not pay. However, I am not sure that the OP is completely aware of what they signed and therefore suggested posting a copy so that we (you;)) can be sure of what they are stating.

I honestly think that the OP's emotions in this are running so high at the moment that they are not thinking rationally and therefore whilst they may think they didn't sign for PPI, they may in fact have done so.

I'm not intending to put the OP down in any way at, just pointing out that it has taken a fair while to get to the bottom of the interest issue and that was only resolved when a scanned image was posted - would hate for this to keep on in the same vein with PPI:D

Edit: not worded that very well...what I mean is in OP look4justice mentioned broker fee rather than PPI and then it being changed to PPI - a scan of both document copies she has might help us.

never-in-doubt

planning_ahead wrote: »

I agree - if she did not request it then she should not pay. However, I am not sure that the OP is completely aware of what they signed and therefore suggested posting a copy so that we (you;)) can be sure of what they are stating.

I honestly think that the OP's emotions in this are running so high at the moment that they are not thinking rationally and therefore whilst they may think they didn't sign for PPI, they may in fact have done so.

I'm not intending to put the OP down in any way at, just pointing out that it has taken a fair while to get to the bottom of the interest issue and that was only resolved when a scanned image was posted - would hate for this to keep on in the same vein with PPI:D

I know what you're saying but what i'm trying to get at, without being too forthcoming is that it is her word against a dodgy lender...... put it this way, if she said she never wanted PPi then she should enforce refund - the truths behind it don't really matter too much ;)

I agree about her emotions (proved with the huge posts) - but hopefully with the help on here she'll relax a little and stop ranting. As neutrals, we can see things in a different light - although I do understand and appreciate her anger at the lender but in all fairness naivety is the 'real' problem behind all this (no offence intended)

looking4justice

thanks you lot , you really do help , let me answer your earlier posts THANKS

looking4justice

never-in-doubt wrote: »

I know what you're saying but what i'm trying to get at, without being too forthcoming is that it is her word against a dodgy lender...... put it this way, if she said she never wanted PPi then she should enforce refund - the truths behind it don't really matter too much ;)

I agree about her emotions (proved with the huge posts) - but hopefully with the help on here she'll relax a little and stop ranting. As neutrals, we can see things in a different light - although I do understand and appreciate her anger at the lender but in all fairness naivety is the 'real' problem behind all this (no offence intended)

Yes it is my word against dodgy lender but have evidence to they sins ,.. the ppi was changed from brokers fee , and broker was changed ,.. this company does not exisit and never has ,.. i was given address and an other company was trading from this address with nearly the same name , it is now know it was ran from same directors ,..

looking4justice

and i recorded them saying I am not on they system ,.. then faked credit agreement ,.. can see the double lifted signatures ,.. suppose to be mine ,..

never-in-doubt

looking4justice wrote: »

Yes it is my word against dodgy lender but have evidence to they sins ,.. the ppi was changed from brokers fee , and broker was changed ,.. this company does not exisit and never has ,.. i was given address and an other company was trading from this address with nearly the same name , it is now know it was ran from same directors ,..

There you go then - sorted. You need to go speak to a solicitor or at the very least, specialised help cos this could amount to a big mess-up meaning a bit of compo..... i'd start by completing a FOS complaint. Here: http://www.financial-ombudsman.org.uk/consumer/complaints.htm

looking4justice

planning_ahead wrote: »

I agree - if she did not request it then she should not pay. However, I am not sure that the OP is completely aware of what they signed and therefore suggested posting a copy so that we (you;)) can be sure of what they are stating.

I honestly think that the OP's emotions in this are running so high at the moment that they are not thinking rationally and therefore whilst they may think they didn't sign for PPI, they may in fact have done so.

I'm not intending to put the OP down in any way at, just pointing out that it has taken a fair while to get to the bottom of the interest issue and that was only resolved when a scanned image was posted - would hate for this to keep on in the same vein with PPI:D

Edit: not worded that very well...what I mean is in OP look4justice mentioned broker fee rather than PPI and then it being changed to PPI - a scan of both document copies she has might help us.

no offence taken ,.. not wording things right is also a faut of mine ,..

never-in-doubt

looking4justice wrote: »

and i recorded them saying I am not on they system ,.. then faked credit agreement ,.. can see the double lifted signatures ,.. suppose to be mine ,..

You cannot use this in any court/evidence unless you specifically told them you'd record them at the start of the call.

looking4justice

planning_ahead wrote: »

If you agree that the interest is not an issue and concentrate on the PPI - perhaps you could post a copy of the loan agreement (having blocked out personal details). This will enable others to offer advice of whether you were possibly mis-sold the PPI.

Hi will add my agreement so you's can have a laugh ,.. and another thing , my interest rate has changed 12 times , not once have i been notified or payments changed to cover the extra costs ,.. so believe this is unfair as I would need to be given this option as this would extend the agreement past completion date ,.. plus i would have a right to cancel agreement as not the price agreeded on ,.. is this right ??????