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Bank Overdraft CCA Agreement
hbslc
Posts: 252 Forumite
I'm recall reading somewhere that the laws regarding requesting the original credit agreement applies to bank overdrafts?
Can someone clarify this please?
Can someone clarify this please?
Debts at 02/02/20: c£225,000 inc CCs of <£1000 repaid in full monthly
Debts at 14/07/10: £278,091 inc £24k unenforceable and £16k consumer debt. But House no longer derelict!!!
LBM: 14/08/07; Debt at LBM: £287131 inc CCs: £37,202.55;
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Not sure either, but definitely interested in finding out as currently locked in a battle with Nat West with ours, which has now ended up as a CCJ!!!Debt at Sept 2006 £63,500:eek:
Debt at Sept 2012 £24,400
DFD Dec 2012! (if PPI claims come in) !! :beer:
Official DFW Nerd Club Member 828
Proud to be dealing with my debts0 -
Smile got Equidebt to chase me in Summer 2007. I sent the CCA off and never heard anything. Now Smile have finally notified me that they've assigned the debt to Equidebt. Equidebt have sent me an agreement to sign?
I'm just double checking that i'm not shooting myself in the foot by agreeing!Debts at 02/02/20: c£225,000 inc CCs of <£1000 repaid in full monthlyDebts at 14/07/10: £278,091 inc £24k unenforceable and £16k consumer debt. But House no longer derelict!!!LBM: 14/08/07; Debt at LBM: £287131 inc CCs: £37,202.55;0 -
Do not sign anything new !0
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Thx stapeley - So what do I do? The 12+2+30 expired months ago & i'm pretty sure this law doesn't apply to bank overdrafts.Debts at 02/02/20: c£225,000 inc CCs of <£1000 repaid in full monthlyDebts at 14/07/10: £278,091 inc £24k unenforceable and £16k consumer debt. But House no longer derelict!!!LBM: 14/08/07; Debt at LBM: £287131 inc CCs: £37,202.55;0
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THx Stapeley. So what do i do? I sent the initial letter asking for the orginal credit agreement on 30/08/07. I got acknowledgements but no credit agreement.
I'm pretty sure this law doesn't apply to bank overdrafts. Can anyone confirm this?Debts at 02/02/20: c£225,000 inc CCs of <£1000 repaid in full monthlyDebts at 14/07/10: £278,091 inc £24k unenforceable and £16k consumer debt. But House no longer derelict!!!LBM: 14/08/07; Debt at LBM: £287131 inc CCs: £37,202.55;0
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