Bank haven't provided signed CCA

never-in-doubt

Kimbohuddy wrote: »

Thanks.

I'm gonna scan now and will email them to you!

Sorry, It was two loans, always was two loans. I referred to the total amount as I assumed the loans were enforecable.

Hiya

Okies, let me know once you've emailed..... so there will be loan 1, loan 2 and the CC yea? also scan the terms if any were present..... just remember not to overload the email with loads, if anything send an email an account so 3 emails? Would make my life easier if you done that too lol

Thanks

Kimbohuddy

3 seperate emails sent to you.

thanks

K

never-in-doubt

Kimbohuddy wrote: »

3 seperate emails sent to you.

thanks

K

Hiya

Ok, some good and bad news.... both loans are post April 2007 so extremely hard to claim unenforceability - therefore you need to consider sorting these...

The credit card is unenforceable, as this is in your sole name then you'll get defaulted, not the ex. Either add it as part of your DMP or send this, and see what they write back with: CCA Query

Kimbohuddy

Thank you very much! It's really nice to take the time to help people like this, I'm very grateful!

I'll send that letter today! And set up DMP for the loans.

Regards,

Kimberly

katsu

Kimbohuddy,

n-i-d is the expert on the unenforceability but I'm concerned by your references to the debt management plan. Are you going with a company that charge you fees? You can get it done for free via: CCCS, CAB, Payplan or Christians Against Poverty. No need for part of your money to pay someone for the service.

If you were already going with a free provider, great, if not, call one asap.

HTH.

never-in-doubt

katsu wrote: »

Are you going with a company that charge you fees? You can get it done for free via: CCCS, CAB, Payplan or Christians Against Poverty. No need for part of your money to pay someone for the service.

If you were already going with a free provider, great, if not, call one asap.

HTH.

Hiya katsu - well spotted - thanks :T :T

I never even picked up on that! I draw my skills end at the point of "sorry, you need to sort it out cos it aint unenforceable" lol :eek:

Ooops, maybe time I actually advised people HOW to sort it out :whistle:

savingwannabe

NID and Katsu and all other helpers. This is so good to read. Well done.

Haven't got a clue about what you are talking about but you have helped Kimbohuddy. Very clever.

You dont fancy sorting out the economy do you??? My mate Gordy could do with a bit of help.

thechippy

never-in-doubt wrote: »

You've been here what 11 days and already think you're top dog do you? Having spent some time reading your posts, without going through and ripping each one to shreds - you're seriously not that clued up are you?

Instead of being a smart arsey, consider walking on by when you see a post that beats your mental capacities, otherwise you'd not get people like me come along and correct you!

There is NO legal loophole (please provide statistical proof of this claim?) - what makes you say that and what makes you think you have a right to say that? unenforceability is A RIGHT - not a loophole, a bloody right that stands up in court and wins in court! A loophole, to clarify, is when you trip on your own [STRIKE]!!!!!![/STRIKE] dribble and try and claim from the council because it so happens the kerb was 2mm bigger than it should have been

The irony is above!

:D:D:D:D:D:rotfl::beer: