Halifax loan under Kensington DMP, now Robinson Way chasing

[tally_69]

and whats This all About

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

[cerberusalert]

I cant Recall them Signing for it or Proof that they Have. How do i find that out ?

I did post it Recorded Delivery, Well Misses Did

 

http://track.royalmail.com/portal/rm/track;jsessionid=HES300UWGOIESFB2IGJFFHQ;jsessionid=HES300UWGOIESFB2IGJFFHQ?catId=22700601&emt=emt&track=track&default=default&imageRootPath=&loc=en_GB&keyname=track_home&gear=track

[tally_69]

Just spoke to the Misses. She said I've recieved a copy of my Agreement from Halifax Signed.

 

What do i do Now please..

 

Back to the worrying part i take it

[cerberusalert]

Can you post it up to get checked over?

[tally_69]

Can you post it up to get checked over?

 

 

It'll have to be tomorrow i'm affraid. What am i looking for please. Whats the next steps. Time to pay Up :-?

[cerberusalert]

To see if it's enforceable see; http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html

[tally_69]

Okkkaaayyyyy

 

I'll put it on here tomorrow for you great ppl to advise me.

Theres only so long i can avoid payment i suppose

[babydoll0141917]

If the agreement is unenforcable you can avoid payment for the rest of your life if you wish ,,you will hav the upper hand

[tally_69]

If the agreement is unenforcable you can avoid payment for the rest of your life if you wish ,,you will hav the upper hand

 

I Wish. Argh well Fingers Crossed till Tomorrow when i scan it and post it on here..

[tally_69]

This is what i have Received from Halifax..

 

What now please

Edited June 18, 2010 by tally_69

[cerberusalert]

Well for a start you can reclaim the insurance. But for now can you repost it after editing out your a/c number and can you reveal the figures so they can be checked over.

 

I've unapproved the pdf for the reason above.

[tally_69]

Well for a start you can reclaim the insurance. But for now can you repost it after editing out your a/c number and can you reveal the figures so they can be checked over.

 

I've unapproved the pdf for the reason above.

 

So leave in the Loan ammount and charges etc

[tally_69]

Is This Better

halifax.pdf

[cerberusalert]

You should reclaim that £3.2K back plus interest. Have a read through; Payment Protection Insurance (PPI) - The Consumer Forums particularly this thread http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html

 

These type of agreements are not my forte so it needs to be checked over by someone who's more familiar with them.

[tally_69]

You should reclaim that £3.2K back plus interest.

These type of agreements are not my forte so it needs to be checked over by someone who's more familiar with them.

 

 

How do i claim it back like

[cerberusalert]

Read this thread it tells you how; http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html

[tally_69]

So what do i do with Regards to Halifax / Nelsons

[cerberusalert]

Give it a while for someone else to check your agreement out, if someone doesn't reply before tomorrow evening click the red triangle in your post and one of the site team will look in.

[IdaInFife]

the agreement, how was tkane , over the phone or in the bank? can't see any cancellation rights

[tally_69]

Took it out in the bank.

[tally_69]

What do i do now please

[cerberusalert]

I'm afraid the agreement looks enforceable but you should reclaim that PPI back as it will reduce the amount drastically.

[tally_69]

I'm afraid the agreement looks enforceable but you should reclaim that PPI back as it will reduce the amount drastically.

 

Cant claim it back its been over 6 years.

 

So what do i do about paying this Debt off. On the Financial Statement CAB done they reckon i can afford £80 a month. But this will leave me with nothing, Ideally i could afford £40 a month. Theres a payment form on here somewhere aint there

[cerberusalert]

You can claim it back, where did you get the 6 yrs from?

[tally_69]

You can claim it back, where did you get the 6 yrs from?

 

The limitation period for making PPI claims is 6 years from the date that you could reasonably have discovered that you were the victim of mis selling - and you can claim all the way back to the beginning.