Just a quick update on mine. I still cannot say a lot as it is still going to Appeal if the courts will allow it. What has been established is despite a sworn statement in my case that my agreement was the only unsigned agreement by the Lender that a certain Director of LMC new about we now know it is quite common. We also know that failure to sign the agreement could make the agreement unenforceable but the better option would be to make the agreement a regulated agreement as obviously if it is unsigned at April 2018 and signed subsequently then CCA 2006 will apply.

Hi i work for well known leading company who provide paid television services, last week myself and 3 other people was pulled in to speak to management about a sale we made via our work ipad if you could class this as a sale as it was a free item to the customer who was part of the VIP package so they was entitled to this extra, somebody in my team questioned a colleague of mine asking how have you made that sale when the job is for tommorow then a manager has seen this comment and brought my collegue in for questioning telling him its gross misconduct to access a customers account without being on site with the customer even though the sale was a freebie and the customer has not phoned up to make a complaint. The manager told my collegue who ever else has done the same thing will also be out the door so the manager has found out myself and 3 others have done the freebie sale via the ipad without being onsite with the customers even though nobody has phoned up to complain. Myself has done this on two occasions Person A has done it 3 times Person B has done it 3 times Person C has done it 2 times We have all been told this is gross misconduct and legal hr has been involved in it, we went for our meetings with seperate managers in the area they asked why we did it, how many times we did it and what process must we take to ID a customer. We get told if we dont upsell to customers and hit our 10 percent target we will be put on plans and if we still dont perform will be put through the conduct policy which i feel is unfair, We are under so much pressure to upsell to customers and this is why we have commited the above offences to keep off performance plans but they are not interested and dont listen. i am stressed, fed up and worrying i will lose my job in the next two weeks, i am drinking more alcohol than normal and not sleeping very well lately and my moods are not the best. None of us has been suspended, they say its gross misconduct but i was told if its that bad surely we should of been suspended why they investigate im not happy about working why being investigated as it puts a downer on my day and makes me forget things or become irritated very easily. Thanks for reading

hello, hoping someone can help and point me in the right direction. In hindsight I wish i had done some reaesrch beforehand and found this site 10 years ago as now i wouldnt be in the mess that i am in so in 2008 i was in desperate need of funds. I approached a broker who introduced me to lancashire mortgages. initially i went for a bog standard mortgage but due to my circumstances and being self employed it was turned down at the initial stages. they did however offer me a secured loan. i should have seen it then that it was a trap. i took out a secured loan in august 2008 for 26k adding in fees etc it came to 30k. my payments were set @ £310 per month for 300 months in the agreement. I was stupid and desperate and didnt fully understand what i was getting myself into Having re read the agreement now (as i recived a letter a few days ago, more below) it stated in a clause that i understood that this agreement was not to be regulated by CCA. had i done my due diligence and was not so desperate i would never in a day have signed something like that. The first year went fine. all payments made. then in 2010 my employment became erratic and i started to miss payments. the usual threatening letters and calls followed and they put the £35 charges on to the account more than a few times. i always made the arrears payments as soon as i could. over that year and a half i got in total 44 call charges of £35 each and 5 £150 for letters sent for initiating proceeding and 3 for sending letters advising possession proceeding starting @ £500 a pop. It was a bad time. However i paid all the arrears off etc (not the additional charges they popped on) Since then i have always paid on time. for the last 7-8 years i have never missed the agreed payments always in the hope that i can save and pay off the damn thing (I can hope cant i?) the other day i get a letter with a break down of my payments since 2008. I was horrified that i have paid near enough £30k since then (the total loan amount) and there is still 15 years left which means ill end up paying over 90k if i continue!!!! that wasnt the worst however, they have said that my plan isnt on schedule and i have to pay £12k by mid august (given literally 2 weeks notice), to give them a call to discuss options. I literally broke down. no outline as to what that £12k consisted of and no breakdown. letter just says that i had failed to keep to the agreement (well the agreement was to pay £310 a month for 300 months which is what i have been doing) . The agreement was to make 300 payments of £310 per month which i have been doing on a regular basis for 7-8 years now with no missed payments. the APR has always stayed the same with no change even the payment breakdown shows this. Yet the interest accrued was now at £380 per month. looking at the outstanding balance its at £38k!!!! i literally broke down and haven't managed to get out of bed until now I have read all the other posts and know that it changed they from blemain to together. I need to get out of this bad situation. I always knew that i would have to make the payments each month and id have to pay the initial loan amount which was inevitable with such leaches. I was bidding my time to pay as low redemption as possible. started off at 5% and now its only 1%. also with the hope that my fortunes would turn and i would have the funds to pay the leeches off in one go. However the outstanding balance is now £38k and they want an additional 12k and thats not even redemption figures. To top it all off they have registered themselves on my property with land registry. No where on my agreement does it say thats its regulated by the CCA in fact there is a small clause on the first page which states that i understood that it wouldnt be regulated by the CCA and stupidly without understanding the consequences i signed. I thought after april 2008 that the 25k limit was lifted for such agreements to be regulated by the CCA as its what i have read on other posts on the forum? and thus am i right in thinking that my £30k loan is regulated regardless of the tactic they used to insert that clause? is my agreement regulated? can they be adding the interest like they are without even once notifying me that its increased and to advise me to increase my payments? the interest rate has always been the same since day one.. never have they contacted me to say i need to increase payments(why would the i know).. So stuck... they are ripping me off left right and centre and i dont have the will to live. bleeding me dry like leeches. What can i do?? i have to call them in the morning to discuss options but i wont say much or agree to anything as surely this must be illegal or downright immoral. i must have some type of recourse? Can some one help? shed me some light? Thank you...