Griffiths V Welcome

[emanevs]

Come on CAGGERS!!!!!!

 

Bump!!.........

[postggj]

We Are All On It

 

Sit Tight

 

Its On One Of The Secured Loan Dispute

 

We Will Find It

[emanevs]

thanks,

ok will do

[emanevs]

bump!

 

sorry to be a pain!!!

[emanevs]

bump.....

 

[ozzywizard]

Im looking for you Em

[emanevs]

thank you friend

 

[jamesf104]

Just a thought. If the agreement is deemed unenforcible and the security returned should not the MIF fee be returned also as there is no home to repossess. My opinion is that it should be. Anyone?

[ozzywizard]

 

Just a thought. If the agreement is deemed unenforcible and the security returned should not the MIF fee be returned also as there is no home to repossess. My opinion is that it should be. Anyone?

 

Very good point and I totally agree. .

[emanevs]

no point refunding the mif if thats the cause surely??

[emanevs]

postggi,

 

Sorry to be a pain, did you have that evidence?

 

we got nothing abou that mif at the mo.

[emanevs]

bump!!!

[postggj]

Ime Just Sorting Out Stepenwayne As He Has A Court Date This Thursday

 

As Soon As Ive Done That Ill Start Digging

[emanevs]

ok, ta

[ozzywizard]

Is this what you was looking for . . . . told yas I would find it lol. . .

[postggj]

Ozzy

I Could Kiss You

 

Emanevs Will Prob Buy You Dinner For That

[ozzywizard]

lollllllllll, im going to let welcome buy me my dinner and then im going to ask them for desert !!!!! hahaha. . .

[emanevs]

absolutely!!!!

 

I owe you ozzy..... bigtime.

 

Can someone, just put this to be in as far as how I can use that to beat them over their head, and to counter the Griffiths v Welcome case???

 

Thanks again Ozzy and Postggi..

 

Awesome!

[mark1arby]

Must be great to be so bloody clever OZZY? lol I did try () Can I have a couple of chips or a lick of OZZ`s spoon. LOL:D

 

Well done M8, bet that took some actual finding?

 

emanevs, you are one of the best letter writers on CAG! You`ve done one or two for me, that were brilliant. Thank You. you won`t have any trouble doing something for yourself.

 

I wish you the best of luck. And just to say, the teamwork here get`s better & better. Brilliant.

 

Cheers, MARK

[postggj]

I Would Think If The Mif Was Included In The Total Amount Of Credit

 

Then Its Game Over As The Amount Of Credit Has Been Mis-stated And The Mif Is Classed As A Charge For Credit

 

Thats Just Me Thinking Out Loud

[pwg6565]

So if MIF had been included in previous loans and the customer was not aware of this. And had settled or re-written unaware of MIF being not allowed. Could that make the current re-write unlawful because the MIF from the previous loans would be included in the final amount of credit for the re-write ?

[postggj]

Good Question

 

But As You Know With A Re-write , The Previouse Loan With All Rights And Protection Goes Up In Smoke

 

I Would Think Pt Is The One For This

[pwg6565]

But surely the re-write has to be explained in full with the correct cooling off period and paperwork etc ?

[pwg6565]

What I mean is... If the current contract which over rules all others has reached its final amount of credit total and included in these are charges such as MIF and Settlement Penalty interest. Then the final amount of credit is unlawful because it contains unlawful charges in it ?

[postggj]

Well Spotted

 

You Are CorrECT

 

Its Another Secured Loan So A Pre Contract Agreement Would Need To Be Sent With The Cooling Off Period

 

Check When Agreement Was Signed And When Funds Transfered

 

Its Either 7 Or 14 Days Cooling Off

 

Depends If Signed At Home Or In Welcome Office

 

If Not The Agreement Would Be Unexecuted