Hi, I am new to this site also but wanted to advise you of the following The law relating to Cunsumer Credit Agreements or CCA's are different depending when they were taken out You need to request a copy of your CCA from GE Money by writing to them and enclosing a £1 postal order When you have received the CCA back (which could take a while) you need to copy/scan it and then after removing all your personal details load it onto a thread here for the more experienced caggers to have a look at. I would reccomend that you contact the Consumer Credit Counciling Service or CCCS who are a charity organisation helping those in debt. I use the CCCS as do thousands of other caggers and they are very good. Your creditors are more likely to listen when you have joined the CCCS. Hope this helps and more experienced caggers have a look for you soon

Hi anyone got some advice for me on this please Thanks

Hi, The CCA below was taken out in march but was dated under my signature as september the previous year but not in my handwriting. More interstingly it is signed by a firstplus representative and dated october the previous year aswell. Here's the good bit..I have two unsecured loans with First plus who got a charging order on my house with financials that relate to this account and not to the one they got the charging order on. Does this mean I have an opportunity to have it removed? Thanks

Below please find the CCA followed by the covering letter does anyone think the cca is enforceable? CCA Return.pdf

Hi, I have several debts with 8 creditors and currently pay through cccs. The constant harassment is driving me crazy, and I have sent many letter templates from CAG to various creditors. Admittedly this has reduced some of the letters and calls but I wondered if making them an offer of say 10% of each outstanding balaance could give a legal advantage to those creditors who do not have an enforceable agreement.By this I mean if you make an offer of payment does this imply you owe the debt which they could use in a court of law I know that I dont have to pay but my parents have agreed to lend me up to 10% of the total I owe providing all debts are written off. Any suggestions anyone Thanks

Thanks GG

Sorry, What does bumping the thread mean Hey and Thanks for your help GG

Whats the best way to get one of the 'seniors to see your thread so they can see if the CCA is enforceable

Thanks, I really need to try and learn what an enforceable CCA looks like as I have serious debts due to my circumstances radically changing. The others have secured charging orders on unsecured loans already or they are not being so aggressive at the mo, so I'll start with this Halifax one. Appreciate your comments

Hey Thanks This may sound dumb but what do you mean when you say highlighted?

Hello, I have followed all the procedures as advised by the more knowledgable caggers sending templates to the Halifax that were available on here. Eventually recieved the CCA along with a letter two days later advising court action. I am still paying the Halifax through my DMP with the CCCS but if you take a look at the letter they are saying the credit agreement is finished and full payment is due??????? I have scanned the letter and the CCA they sent front and back(its an application form) and am hoping someone can tell me if its enforceable and what my next steps should be In brief, the notice arrived on 19th April two days after this CCA arrived. I am still paying Halifax through my DMP with the CCCS The DCA is Blair Oliver and Scott Any help will be much appreciated Thanks Docs1.pdf

I note the last comment by Jogs on this thread is he is agreement that if you sign up then you should repay even though the interest rate is over a 1000%. Fair enough I say but still my argument here is getting an unsecured loan secured. Why mislead the layman and have unsecured/secured loans giving institutions the ability to charge ridiculous interest rates.

This is appreciated thanks. This is what made me join CAG how can these financial institutions get away with charging 24%APR on an unsecured loan then just get charging orders to secure them. Everybody would, I'm sure, just get secured loans at a much more favourable interest rate if they knew

Thanks. I understand that and I have a genuine problem which is why I am with the CCCS. The reason for my question is this if you challenge the credit card companies by asking for a CCA as I have done they immediately passed my account over to legals. In the last six months I have had two charging orders granted even though the loans were unsecured. Therefore I was asking because I wanted to confirm that at any time in the six years even if you challenge the CCA succesfully you could still have a forced sale on your property? FYI I am not looking for any easy get out, all of my debts were paid without missing a payment for over five years and every lender connected to me has had over well over double what I spent on the cards back already Regards

Thanks for that, not to hassle you further but how are these claims touts getting these debts written off then?

Hi everyone, I was just reading a thread regarding a member who had been told that the credit card company did not have a CCA. He was told that the debt was unenforceable but should the lender find the CCA within six years then they could ressurect the debt and within 14 days demand full payment. I am confused as if this is the case how are the touts getting these debts written off?

A bit of background.. I have DMP with the CCCS and have sent the templates on this site requesting the credit agreements to four of the those on the DMP. Two have replied (both First Plus) and two have not 1) FIRST PLUS One of the accounts is still with First Plus and the other is with Eversheds their legal people who took me to court and got a charging order although the loan was unsecured. Having now got both Credit agreements and studied them I have noted that the charging order they succesfully got is for the other loan. More interestingly both agreements came back signed but both dated the same day even though the loans were taken out several months apart. I therefore believe that the date has been added in at a later stage. What should be my next action 2)NO CCA FORWARDED Halifax and Bank of Scotland have both chosen to ignore my requests and the twelve day deadline has expired.(sent recorded delivery). They have both passed these accounts to Blair Oliver and Scott who have hassled me over the phone remorselessly. What do I now do to get these debts written off Please consider that I am in a dire situation and at the moment both these accounts haver suspended interest. I am therefore nervous to antaganise them unneccesarliy Thanks

It was 10 years but as you know unsecured loans are far maor expensive in interest rates. That is why I was fuming when the judge granted them a charging order. After all if I had a secured loan I would have saved myself a small fortune over that term. I am nervous about challenging the credit agreement as they are being very agressive and the way the market is at the moment it would be unthinkable to have a forced sale

Hello, I write here for this reason.... I took out a loan/credit agreement apprrox 2002 for some windows eith everest and got a loan from firstplus paid for 4/5 years and never missed a payment. After the 5 years I found myself in big trouble and luckily (after proper heartache found the CCCS). Was on a DMP at time (still am)the loan company got me in court and got charging order againstest my house for the loan for windows. signed credit agreement and got a copy but still dot understan what is and is not enforceable