I referred a complaint to the Fos about Shop Direct falsifying a credit agreement, which they did. The Fos have stated they must go back to the original credit agreement so I asked for a copy of this and Shop Direct did not have one, but provided an up to date blank copy. The Fos say that because my son, on my behalf due to my illness, agreed verbally to this new agreement it proves I owe the money stated. However the Fos have cancelled the new agreement because of the falsifying of the credit agreement so doesnt that nullify any of these credit agreements.

Hi, I'm wondering if anyone can help me, I'm looking for the best/cheapest home contents insurance provider that also covers hire purchase agreements. I have 4 contracts with BAYV and i think their EPS and AllSorted cover is extortionate. I would prefer to insure with a cheaper/honest/reliable company instead of these.

Hi, EOS solutions have been writing to me regarding a debt they say I owe for a Witt catalogue from 2008. From the statements they have sent me the last movement on the account was June 2008 when they sold the debt. I asked for a copy of the CCA and received this back Is this enforceable?

5 years ago was called into branch and was talked into converting my credit card balance which was at the time £9,800 into a bank loan, at that time i was classed as self employed and 63 years old without saying a single word about ppi they tried to sneak it in , i spotted it the next day and duly cancelled the ppi out of the blue i get a letter telling me that i would not get all the benefits on offer with ppi on my 65th birthday relating to my credit card which i had been talked into converting to a bank loan, i had been paying ppi for over 10 years on the card without knowing i had it, to cut a long story short i put a claim in for this missold ppi on my credit card they have done nothing but lie and used delaying tactics since at last they admit it was misold and they say they sent a letter out on the 18th march still not got it despite at least 6 calls to the help line am being ignored by all i speak to and send emails to managed at last to get the man on the help line to dictate this letter over the phone was told that they had put 173 pounds into my account as due to the passage of time they have no record of this credit card and they consider this to be a fair offer still not had this in writing but told him over the phone where he could stick his offer am still awaiting anything in writing where do i go from here

Hi, I'm new here so all help is appreciated. I had 5 loans with barclays between 2001 and 2003, I took out 1 loan and then refinanced 4 times. The cash prices not including PPI or interest were for; Loan 1. £1500.00 Loan 2. £2200.00 Loan 3. £6000.00 Loan 4. £6400.00 Loan 5. Unsure I made a complaint 3 weeks ago and have forwarded a SAR to barclays so I have all info incase I need to forward my complaint to the FOS. Does anyone have any images of a barclayloan agreement around 2001 and 2003? I did not ask for PPI and had no idea i had it until i contacted the bank so i'd like to take a look at an agreement to see how i could have missed signing up for it (if i did?)

I have a question about original agreements. Most of the questions about lack of legibility are about section 78 requests, because they are poor copies. What is the legal position about agreements ( prior to April 2007 ) where the prescribed terms are there but they are barely legible due to the tiny font used ?

I first created this thread on MSE a week ago but received very few replies and attracted ppi forum trolls who defend the bank claiming what possible motive could their PPI team have for being deceitful. This is a complaint I've been handling on behalf of my mum against Barclay's and requested a subject access request using a template letter. I'm yet to start the official complaint process The contents of the SAR included (4) unsigned loan agreements with some including a loan settlement statement attached and (1) loan settlement statement on it's own for the 2nd Barclayloan but was unaccompanied by a loan agreement. A book of historic bank statements dating back to 1998 .Data protection cover letter .Prequel print/PPI prequal - A table of columns detailing current and previous products taken out such as current accounts, loans and credit cards which includes columns 'Account PPI Flag', 'Arrears Flag' and 'BRU Flag' showing a simple Y, U or N to indicate if PPI was/is present. .A 40 page booklet with a cover page titled 'Data Subject Access Return Service Point ODP' contains a glossary of acronyms & abbreviations most of the pages are structured the same with personal details a lot of which shows 'no data held'. on the PPI Prequal it shows a 'U' for unconfirmed on "Barclayloan protected" account opened on & closed paid in full on which I have the statement of payments (loan settlement statement) and a Y with premium present under one for a "Barclaycard Visa" with PPI present start date . All other loans had 'N' to indicate no ppi was sold (5 loans disclosed in total, with 3 being started in 2011/2012 so satisfied PPI was unlikely pushed/sold) other 2 date back 10 to 15 years yet when visiting our local branch we enquired if PPI had ever been sold and the system immediately flagged a Barclayloan that had PPI sold despite the PPI Prequel stating otherwise. She even printed out a copy of the loan agreement which looks identical to the one received in the SAR except this version has an additional column showing 'Premium Loan next to the 'Cash Loan' plus included addtional columns under the T&C's about payment protection insurance. Neither loan agreement is signed for so is not a copy of the original loan agreements plus the in branch copy did not included a loan settlement statement but the SAR has it enclosed in the loan agreement. In branch loan agreements with the additional column displaying ppi: Amount of Loan ................ .......... Cash Loan ............. Premium Loan Total Charge For Credit................. £########............. £###### Total amount payable .....................£####### ...............£####### Monthly repayment ........................£####..................... £#### Number of Repayments .................£### .......................£### Your monthly repayments will start one month after your loan is drawn. Cash Loan PPI Preqel: Product Class ...................... Product Code ............Account PPI Flag LOANS .................................BARCLAYLOAN .................. 'U' .................... .......................PROTECTED LOANS ................................BARCLAYLOAN ........... ........ 'N' ..........................................UNPROTEC TED It states on the Prequel Print "Please note in some cases, such as Mortgages the report will detail the account numbers, but may show with a 'U' against the product. This 'U' stands for uncomfirmed as out system search as yet cannot identify whether there was a PPI sale for a small number of products such as Mortgages. In these instances, if you believe there was PPI on the product or you believe there may have been, then please proceed with a claim. Upon receipt of your claim the PPI team will undertake a manual search of our systems to identify if any premiums under PPI have been paid on that product. All premiums paid will be taken into account dealing with your claim. Never had a mortgage with Barclays so is not a mortgage, and did not flag up in local branch which I suspect their systems are unable to detect also.. but this unconfirmed Barclayloan is the one that came without the loan agreement and only have the loan settlement statement so seems if they're being obstructive and deceitful concealing a loan agreement (no deletion certifcate or reason given why it's not supplied) and told all other Barclay loans did not flag up yet our local branch system had managed to flag a Barclayloan (unprotected) immediately. She did not disclose or mention about Barclay's systems not being able to detect a small number of products ie unconfirmed Barclayloan but did give the number for Barclays in dublin to find out more about Barclaycard's ppi

Hi, I am posting here to find out if someone can help me. Two and a half years ago a purchased a car on a hire agreemt from mercedes smart value of finance was £8k. The agreement was in my limited companies name but with myself as a guarantor and wasn't explained what a non regulated contract or agreement was. I am currently in the process of paying of the finance agreement and have subsequently found out that as the agreement is non regulated theycan charge me 4 months interest as an early repayment charge. Nowhere in the contract does it state they can do this nor does it outliine what a non regulated contract is. I have advised the dealership that the loan value is below £25k so it should be regulated and their response was that limited companies are not covered by the CCA, is this correct? Surely my company is covered if I am guarantor and if my company has less then 5 employees? Also if the agreement does not highligh there is a 4 month interest charge penalty for an early repayment can they charge it? I would appreciate any help on this and advice on what to do to resolve my issue in trying to retreive the four months of interest back. Oh and when I approached the finance company they are accepting no liability for the miss selling of the dealership. thank you

Hi all, Hope you can help. I have been offered a CA by my employer after originally being dismissed for GM. I took this to appeal and was subsequently offered the CA after an off the record chat. Later this morning I'm visiting JCP and wondered what I should disclose? My ex employer and I had agreed that it would be seen that I was made redundant from my post, not dismissed. What is it that I tell JCP?

I am posting for some advice. I have been off sick since 9th August 2012 and I have requested to my employer whether they agree or not for me to work from home for 2.5 days a week instead of working full-time. I am worked for my employer now for just over 10 years. My sickness is due to depression but I also suffer from crohns disease and diabetes which are covered by the Equallity Act. The question I am asking is that my employers have requested an informal meeting to discuss ending my employment through a compromise agreement and I was just wondering what kind of payment I can request. Is there any recommendations or is it just a matter of what they offer me. Any help would be greatly appreciated. Regards Sandra

When looking at the requirements for provision of prescribed terms during a CCA request, the Carey case changed the rules it seems, but I read somewhere (can't remember where) that Pre 2005 agreements are subject to a different interpretation regarding prescribed terms.... If anyone knows what this is, and why....or can direct me to the answer somewhere ...I would be most grateful.

hello all my cousin went for a photo shoot yesterday and paid £50 deposit to have a cd of pictures on, and to pay £79 a month for 12 months, however her husband has just gone pysco and she has to get rid of them, it says on the agreement she signed that its non cancellable so where does she stand?? i just called the place for her and explained but the manager isnt there so they cant do anything tonight, she wants to post the cd and agreement back to them and cancell everything, or her husband will go mental at her, he has already taken her bank card off her i want to hepl her cause i know what he can go like, but dont know how to or what rights she has, thanks for your help

Does anyone know how long a Power Co is likely to be keeping sales agreements on file ? In particular Scottish and Southern Electric ? Following a SAR for a copy of this,for an agreement signed up less than 2 years ago,they are maintaining they do not hold this. I do not believe them at all. Comments from ex Energy Co workers or current reps welcome.

wondering if anyone could help... Is and agreement to pay a debt to a third party the same as a contract?

HI, I am wondering if anyone of you can give me some advice. Two Agreemenst were taken out one in 2006 for a car and one in 2007 for stock for business startup. these were put into debt management program the company negotiated new accounts with final interest totals on them and some how kept them under the same agreements and defaulted the old agreements with Welcome. The management company sent them all back to me when i could no longer cover there payments so so have dealt with Lewis directly . This year Lewis advised me thatthey had sent one account back to welcome as they had lost one payment i had made and said that they were in there right to do this and advised i write to welcome. No reply from them... payments still go out to Lewis though on both accounts. Have also contacted PPI advised on welcome forums elsewhere initially advised that no records found .... Then two weeks later with further info supplied they found records found records, I am still waiting for there next contact. In the meantime the car finance initially with welcome and defaulted as they would not allow me to return the car so it was eventually collected and parked in a multi story and sold on for £250.00 with over £5K finance to be paid by me. The two accounts are combined with interest @£8.5K .... Can anyone advise help please and what do I do ?? Regards begl

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