hi , i have a loan taken out march 2007 with WFS, im have ben told that the agreement could be un enforceable , i have already claimed back my PPI and had to sign another agreement 18months ago which mirrored my original , can i have this deemed unenforcable still?

hi , i have a loan taken out march 2007 with WFS, im have ben told that the agreement could be un enforceable , i have already claimed back my ppi and had to sign another agreement 18months ago which mirrored my original , can i have this deemed unenforcable still?

ccj was for 5300, yes it was defaulted after being with on an iva, currently it is with moorcroft who i pay each month , unfortunately i dont have any papaerwork

will have a look thanks

i got a barclays loan whilst in the armed forces in 2003 with ppi about two years later i ran into difficulties and one thing led to another and i ended up with a ccj , can i still claim for mis-sold ppi and can i look at seeing if the agreement is actually anforcable??

have one problem no scanner to get docs on

i took out a secure loan on 20/03/2007 with welcome , at first i was told it was a 10 year agreement and told my monthly payment and took ppi (which i currently have a cliam to retreive), upon receipt of the paperwork i stupidly ignored the term checked the monthly payment which matched signed and returned my partner also had to sign because it is a joint mortgage but not a joint loan. since i started the ppi claim (which is taking forever 8 months so far) i noticed the length of the agreement is 181 months , i have read that aagreements prior to april 2007 could be un-enforcable if anyone could give me some advice as to how to find out that would be very grateful

how do you qualify ?my fixed rate ran outlast november i have been told by one of their reps that the offer of a discount has expired but may start again next month??

have hpi checked the car this is how i found out about the finance outstandinng think will look at consumer direct , just dont see why i should have to pay a finance company for a car i dont have finance on

neither just said to release their interest they would require £100?

would i have any standing in claiming any damages against zebra for monies paid to them or for the distress of all of this? just a thought

yeah thanks spoke yesterday and they were very helpful all been sent off now just wait to hear back

anyone ????????? i really could do with some help with this one

have informed the data commissioner this morning now just waiting to see the outcome , if anyone else has any other ideas please let me know, thanks trooper68

i had written to experian asking them for their help in getting the default removed, i enclosed letter from the court as proof it had been struck out. i got a letter back stating they were investigating and would let me know. received a letter stating hat zebra had said no and that was that i dont know what to do next as i have still had no reply to my section 10 notice i have never received a default notice and have still not received anything regarding their alleged appeal any advice would be mst welcome, as it is now staring to cause major distress

as per your response from experian i have exactly the same for exactly the same bank and reason, i am still waiting a response which was supposed to be within seven days it has now been 19 days and counting

bump

90 days have now lapsed and nothing has changed the default remains on my credit file, section 10 sent on 1st july still no reply . any ideas , is there a follow up letter to a section 10 request?

any advic would be vey welcome pardon the pun

i bought a car for my partner in april this year , having had the car checked it appeared that there was finance outstanding on the car , i rang welcome to inform them that we now owned the car, to which they told me the previous owner had failed to keep up the payments and it would cost me £100 to remove their intrest from it can they really do this???

bump

anyone?

my partner bought a car private sale back in april paid cash for the car , i work in the car industry and have hpi checked the vehicle to find that welcome car finance have an intrest in the vehicle i hjave spoken to one of their advisors who have informed me that their client has still got an agreement with them on the vehicle and they were pursuing them for monies , although they admit that the car is ours and legally they can do nothing ie reposses the car we must pay them £100 to get it hpi clear can they do thiscan anyone help?

i agree with kurvface dont let in without a fight, for the sake of a pound i would get the cca request sent good luck

am still none the wiser as to where i stand as no one at abbey wants to talk to me any ideas???