bumping for any advice

can anyone help are secured loans exempt from cca, do they need a signed credit agreement??????

just bumping for advice

I am sure I have read somewhere on here that they should not refinance their own loans.... and that High apr% can be subject to unfair contracts and terms

can anyone help a friend of mine has recently (stupidly) taken out a loan at over 75%. he had a loan from same company at 50 % and after 1 year took out new loan to pay off old loan and get an extra £1500.... Firstly are companies allowed to refinace like this???? Both loans have PPI on charging interest on both ? Any help would be greatful?

I recently had to borrow approx £10,000 on my mortgage... it was added but as a secured loan... I have recently asked for copy of credit agreement and they have not provided one... If they dont have it can the loan be wiped or are they likely to ask me for the full mortgage to be repaid????? any advice would be great thanks

hi everyone, what happens next.... once companies have sent the agreement and we think it is unenforceable ie no prescribed terms what then is there a letter to send or do we just wait... if we wait they will chase for payment and register adverse information on credit file.... so if they have fulfilled cca request with what they have what do we do now???????????????? I think this is the most important part for people as I am sure many of the agreements are unenforceable but what can we do to prevent the adverse info and persistant chasing if they send agreement even if it is unenforceable???? ???????? no agreement at all is great but if they send applications and poor cca's what next??????????

why not cancel sky using quoting the £4 direct debit admin charge. If you are out of contract you can keep equipment.... the more that cancel then maybe they will get the message and look at charges. If they dont then what have you lost.... remember marc gander and the banks charges.... It took just one perso n to begin a ripple that has changed the face of banking as we know it.... let us start a ripple in SKY's Pond.... thanks

I have just bought freeview plus box can this be used to record freesat in any way????

hi jamie to be objective you may need to see both sides first, I hope and prey you do not see the other side of welcome... also your credit rating can not be in good shape if you needed to go to welcome which company gave you poor credit rating???? what was the reason for poor rating was it another unscrupulous lender who uses defaults as a scare tactic for collection???? welcome will worsen your record should you miss or be late with one payment good luck...

do you work for them????

manager changed who had different ideas, my concern is the speed of the capability it took just 55 days from start to end? I also believe there are others in same team going through capability including my immediate line manager.... my case seems to have been constructed quicker because I was off with work related stress,,,,

bump still need advice

me too for friends from barclays, only 50% so far rhough its a start

sorry I read from fedups post

WITHOUT CREDIT AGREEMENT how can they justify putting details on credit file. You have to give them permission to use your data... if they do ask them for proof you gave them authority to use your data.... it is on agreement which they can not find

I had series of meetings over 3 months and that was that... total of 30 days after travel etc taken out.... was only told at last meeting of notice to terminate... but all seemed very quick and constructed , even if my performance had changed I dont think it would have made any difference.... I am more after legality of process they should have followed, ie verbal warning (number of months) , written warning(number of months).... any help would be appreciated as I will be going to appeal in next 6 weeks....

over 10 years

hi pt I have read many of your threads and you do sterling work... I have read today about challenging agreements on unfair relationship provision within the act.... Is this something you use????

I have been dismissed on grounds of capability, however I believe I still should have been given verbal and written warnings , does anybody know if this is the case....????

just thought I would subscribe and bump this thread as some of the posts on here will help others considerably.... well done to all...

hi mr welcome congratulations on having a job well done... I am glad you can sleep at night without worry... I am also sure many of the bankers where saying much the same last few years... . let us see your postings 12 months from now after the oft have investigated your business and you have been slapped with heavy fines like so many others. Let us see if you are not flipping burgers then. nothing against flipping burgers, i am sure it is much more rewarding ... good luck

madjj search for hardship cases you may still be able to claim... check also fsa website... goodluck

hi maz sorry it is about 10 sheets of terms and conditions and i have no scanner but no agreement as such and no signatures of any kind just boxes and the date they were ticked??? any ideas?????

hi thanks if like you I believe this to be un-enforceable is their a standard letter to send them to say not paying. My only concern is if i stop paying it will affect my credit file and I really do not need that... any suggestions at best course of action ?????