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Showing results for tags 'bought'.
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I have today received this copy agreement from MINT and would really appreciate advice regarding its enforceability. I don't think everything is shown on my single page with my signature and I assume the "here is your replacement card letter" and clear copy of the CCA is a reconstruct. Thankyou! mintcca001.pdf mintcca002.pdf mintcca003.pdf -
I took out an unsecured personal loan in the amount of £10k with Northern Rock in June 2006 and since October 2008 have been on a reduced payment plan with them - monthly payments should be £204.00 and I am now paying £110.00 pcm. I have maintained these payments religiously but did receive a phone call from them last week stating that they could put a charge on my home if they so wished. They also informed me that the PPI I had on the loan does not cover me for anything as I have a mental health problem and so cannot claim. There was a payment of £2,480.60 Loan Protection on a statement that I received from them this month - the only statement I have ever seen regarding this loan. Currently my balance on this loan - according to them - stands at £8,820.99p which I don't understand either - seems like I've not paid anything off. I want to reclaim the PPI from them but do not want to "muddy the waters" a nd end up with them putting a charge on my home - it's recently been paid off and I need this PPI money to buy my husband an electric scooter as he cannot walk. Any advice on what to do would be appreciated.
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Hi everyone, I am a newbie and absolutely scared by the whole experience. Not long ago I received a letter from cap quest demanding £500 on behalfof the cap 1 credit card. It came out of the blue as I was trying to repay my debt by sending £10 a month to cap1 account for the past 2 years. Trying to find a way of dealing with DCA I found some advice on this website and sent cca demand. After receiving the standard 28 days account on hold letter, the cca copy and some typed statements arrived in the today's post. The letter demands that I arrange a payment scheme and failure to do so will result in passing my account to collection department for further action. My account with cap1 was set up in 2005 and I defaulted on a few payments but I tried to send a small sum of money each month to cover the outstanding balance and now it seems the interest applied is gigantic and I have an alleged debt wit capQuest. Has anybody got any advice what to do next? Miserable M
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This is my first post so sorry if in wrong section. I have been viewing the may postings on her for a few weeks and thought I would start with Late payment charges so sent off my letters, to date the only one I have recieved back was from Egg... but they sent me a copy of my loan agreement.. mmmmm? dated 20/1/05 well a copy printed out on a egg letter head ....so you ask !.. on reading this I see that the original loan was for £14k then they have added £4874.38 LPP so the total amounts states £18874.38 @ 6.9% have they charged me interest on LPP and if so is the legal? I love this site .....
