Early settlement figure on a loan

thechippy

Well neither Marlin or Mucky Hall are too clever! Marlin have been bought by Cabot.

Depends which way you want to go with the cca route.
Either - use as a tool for a reduced f&f, or use the dispute to stop payments and wait out the debt becoming statute barred. In the latter, you'll always be open to litigation whether they have the agreement or not, and you'd have to defend any action properly if it came to it.

AngryDog

I'd be much happier with a much reduced F&F to be honest.

thechippy

Ok,

This applies to your other thread as well. Send this to those who have not supplied a cca or answered.....

This is a formal request under the Consumer Protection From Unfair Trading Regulations (CPUTR) 2008.
I require your organisation / client to provide written confirmation that states clearly whether they currently hold an original signed Consumer Credit Agreement, or whether they do not hold an original signed Consumer Credit Agreement pertaining to myself.
For the avoidance of doubt, an original signed Consumer Credit Agreement is just that; not an application for credit and not a reconstructed or microfiched document from other sources but indeed the original signed document purporting to be signed by myself.
Please note that until such time as a legally enforceable, original Consumer Credit Agreement can be produced and a copy sent to me by return, then this letter is not an acknowledgement of debt and this account will remain in an unenforceable state protected in line with s.127 (CCA1974).
Please also note that failure to provide a direct answer to this request will be brought before the court, should you decide to ignore the content of this request and to pursue enforcement action regardless.

See what they come back with and go from there. Their answer, or lack of in some cases will decide the next move.
I'll pop in on the thread now and then if you keep them updated.