Looks like you celebrate. Total charge for credit is misstated. It is a prescribed term. Tell me more about your agreement. Dates etc. Looks en enforceable

[ATTACH=CONFIG]44143[/ATTACH][ATTACH=CONFIG]44142[/ATTACH][ATTACH=CONFIG]44141[/ATTACH][ATTACH=CONFIG]44140[/ATTACH][ATTACH=CONFIG]44139[/ATTACH]TMB agreement

[ATTACH=CONFIG]44131[/ATTACH][ATTACH=CONFIG]44130[/ATTACH][ATTACH=CONFIG]44129[/ATTACH]Agreement images -

Yes - cca pre 2008 25k limit for regulated - dont know if property exempt - even if it was surely cca 1974 shouldnt have been used without caveat telling you that land sat outside, a key fact in my opinion - really need to know enforcability? Then the other issue under the total charge for credit act 1980 encompassed in the CCA 1974 in relation to if amount quoted was incorrect to my benefit could I insist that that was all I had to pay as that's what TMB illustrated?

I am not that computer literate - i don't know how to scan

Hi All New here and really ned HELP! Two issues; 1. On my TMB Flexible Options Agreement on headed paper from TMB it states ; "Credit Agreement regulated by the Consumer Credit Act 1974 on...Property address" - This agreement was signed on by Kevin Wood on behalf of the lender on 14th Jan 2008. 2. Under the heading "Other Financial Information" it says Total Charge for credit is £129.50. This is made up of interest. The amount borrowed was £354,375. - The term 20 years - The APR 7.9% varible. On issue one I would appreciate help in relation to the agreement - is it enforcable On issue 2 I would appreciate input in relation to the figure which is wrong? that would indicate that TCC was 129.50 for 20 year term? does this figure impact the agreement? Thanks in advance to any kind enough to help