Multiple Agreement enforceable or not???

[kathleenbilly]

Thanks to all with the knowledge who may be looking in.

 

Basically I have requested a CCA from a DCA. If they don't produce it great an early night for us all.

 

 

On a serious note if they do then i need to address the matter as per my thread title.

 

I have read the sticky on Mulitiple Agreements which is both interesting and encouraging.

 

The CCA Agreement i have is a Multiple Agreement which shows the breakdown of the loan which is ok all neccessary figures details are there. But the PPI is listed as one amount and just added on like loan (A) + (B) Credit Insurance PPI

 

No breakdown of the PPI amounts in any way and only one box at the bottom of agreement where the customer has signed technically for both loans.

 

The Multiple sticky thread claims that you may add the two amount together but you still must show the breakdown of the PPI in the same way the Loan is shown.

 

If not then the agreement is unenforceable...''

 

The agreement i have fits this description exactly and is from Oct 2004

 

Any info or advice greatly appreciated i will approach a solicitor in this matter if i feel i have a case here and this holds true.

[kathleenbilly]

Just to add the sticky also claims that you should have two seperate signature boxes for the Loan and one for the PPI.

 

I understand from reading the sticky thread this become law from 2005 onwards?

[dx100uk]

no need

save your money.

 

get reclaiming on the PPI

 

and take things from there

look in the PPI forum at those stickies

notes for claimants

 

you might need to SAR the OC unless you lnow what PCM you paid for PPI

if you do

its plain sailing

 

scan your sheets/agreement

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

i'd p'haps also start a thread in the PPI forum

 

dx

[kathleenbilly]

Hello and thanks for the reply,

 

Here is the CCA for those who wish to see i'd rather not claim but would be more interested in it being un-enforceable let me know what you think...''

CCA230001.pdf

[dx100uk]

that wont help you

even if it is un-en the debt still exists.

 

 

un-en is not some magic bullet that wipes debt out

regardless to what these reclaim co's say.

 

dx

[kathleenbilly]

that wont help you

even if it is un-en the debt still exists.

 

 

un-en is not some magic bullet that wipes debt out

regardless to what these reclaim co's say.

 

dx

 

Sorry bud, you have confused me and maybe yourself.

 

If the debt is un-enforceable..................then it will not need to be paid. So if you don't need to pay it because it's un-enforceable then it does not exist does it?

[dx100uk]

the only thing they cannot do is take you to court.

the debt still exists.

 

dx

[kathleenbilly]

dx100uk,

 

Someone with your time on the board....''

 

Who cares if it exist...'' The issue is does it need to be paid 25,000 pounds my friend.

 

I refer back to me thread is the CCA en-forceable as per the original CCA.

 

If so then no worries this debt will be statue barred in a few months i'm sure i will find enough delaying tatics to bring me to that point.

 

And yes although I/HIM will always forever owe the debt it can never be enforced.

[dx100uk]

hope so - you mean 6yrs from your last financial in/out

 

get reclaiming.

 

the quicker you do it, the less of your reclaim they can off-set.

 

dx

[Hardupnotfedup]

Hello and thanks for the reply,

 

Here is the CCA for those who wish to see i'd rather not claim but would be more interested in it being un-enforceable let me know what you think...''

 

Why bother writing the thread then.

If the debt is SB in a couple of month's why ask for CCA now, or are you just trying to show how argumentative you are like all your other threads.

 

DX I wouldn't waste my time, she knows it all.

[dx100uk]

well i certainly wouldn't have bothered if i'd known it was Sb'ed on the next left turn.....

 

one of those saturdays nights alright for fighting members huh;)

 

anyhow.

 

get reclaiming.

 

 

dx

[Mr Worried]

dx100uk,

 

Someone with your time on the board....''

Who cares if it exist...'' The issue is does it need to be paid 25,000 pounds my friend.

 

I refer back to me thread is the CCA en-forceable as per the original CCA.

 

If so then no worries this debt will be statue barred in a few months i'm sure i will find enough delaying tatics to bring me to that point.

 

And yes although I/HIM will always forever owe the debt it can never be enforced.

 

Hey K B, I think you have a damn cheek, not just for the comment above but for your whole argumentative streak, why ask for help then shoot people down.

 

Mr W

[kathleenbilly]

well i certainly wouldn't have bothered if i'd known it was Sb'ed on the next left turn.....

 

one of those saturdays nights alright for fighting members huh;)

 

anyhow.

 

get reclaiming.

 

 

dx

 

Sorry dx, i fully apologise my choice of words were wrong.

 

Thanks for the info i will read up on what you have said about re-claim PPI.

[kathleenbilly]

Hey K B, I think you have a damn cheek, not just for the comment above but for your whole argumentative streak, why ask for help then shoot people down.

 

Mr W

 

Yes your right i am wrong and fully apologise.

 

I do appreciate all help and advice from those who take the time to post and help.

[Blondie40]

Why bother writing the thread then.

If the debt is SB in a couple of month's why ask for CCA now, or are you just trying to show how argumentative you are like all your other threads.

 

DX I wouldn't waste my time, she knows it all.

 

Looks like someone else is on to you.

[Mr Worried]

Yes your right i am wrong and fully apologise.

 

I do appreciate all help and advice from those who take the time to post and help.

 

You Feeling sorry for yourself.?

[kathleenbilly]

You Feeling sorry for yourself.?

 

 

Emm, not really life's pretty good to be honest.

 

I still feel apology was in order and i have done that which makes me feel better as i was rude to dx.

 

I'm sure it will accept that and allow us to move on.

[Mr Worried]

Emm, not really life's pretty good to be honest.

 

I still feel apology was in order and i have done that which makes me feel better as i was rude to dx.

 

I'm sure it will accept that and allow us to move on.

 

No Doubt, and we move on.

 

Cheers

 

Mr W