TMB - Total Charge for Credit and TMB Mortgage regulated by the CCA 1974

[alibongo9]

Hi All

 

New here and really ned HELP!

 

Two issues;

 

1. On my TMB Flexible Options Agreement on headed paper from TMB it states ; "Credit Agreement regulated by the Consumer Credit Act 1974 on...Property address" - This agreement was signed on by Kevin Wood on behalf of the lender on 14th Jan 2008.

 

2. Under the heading "Other Financial Information" it says Total Charge for credit is £129.50. This is made up of interest.

 

The amount borrowed was £354,375. - The term 20 years - The APR 7.9% varible.

 

On issue one I would appreciate help in relation to the agreement - is it enforcable

 

On issue 2 I would appreciate input in relation to the figure which is wrong? that would indicate that TCC was 129.50 for 20 year term? does this figure impact the agreement?

 

Thanks in advance to any kind enough to help

[ims21]

Post up the agreement.

 

Use this method

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try http://www.pdfescape.com TO BLANK STUFF,

************************* ************************* ***********

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use http://www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

[alibongo9]

I am not that computer literate - i don't know how to scan

[ims21]

Have you got a scanner/mobile phone or digital camera?

 

If you have any of these you can use the method above.

 

If not then PM me and I will give you an e-mail address you can send the docs to and I will do it for you.

[Peterbard]

Hi All

 

New here and really ned HELP!

 

Two issues;

 

1. On my TMB Flexible Options Agreement on headed paper from TMB it states ; "Credit Agreement regulated by the Consumer Credit Act 1974 on...Property address" - This agreement was signed on by Kevin Wood on behalf of the lender on 14th Jan 2008.

 

2. Under the heading "Other Financial Information" it says Total Charge for credit is £129.50. This is made up of interest.

 

The amount borrowed was £354,375. - The term 20 years - The APR 7.9% varible.

 

On issue one I would appreciate help in relation to the agreement - is it enforcable

 

On issue 2 I would appreciate input in relation to the figure which is wrong? that would indicate that TCC was 129.50 for 20 year term? does this figure impact the agreement?

 

Thanks in advance to any kind enough to help

 

Yes a bit of a mystery, the limit on a Consumer credit agreement was £25K until April 2008 ?

[alibongo9]

Yes - cca pre 2008 25k limit for regulated - dont know if property exempt - even if it was surely cca 1974 shouldnt have been used without caveat telling you that land sat outside, a key fact in my opinion - really need to know enforcability? Then the other issue under the total charge for credit act 1980 encompassed in the CCA 1974 in relation to if amount quoted was incorrect to my benefit could I insist that that was all I had to pay as that's what TMB illustrated?

[alibongo9]

[ATTACH=CONFIG]44131[/ATTACH][ATTACH=CONFIG]44130[/ATTACH][ATTACH=CONFIG]44129[/ATTACH]Agreement images -

[ims21]

You need to PDF the agreement in total.

 

Follow what I said in my earlier post or e-mail the picture of the whole agreement to me and I'll post it up for you

[alibongo9]

[ATTACH=CONFIG]44143[/ATTACH][ATTACH=CONFIG]44142[/ATTACH][ATTACH=CONFIG]44141[/ATTACH][ATTACH=CONFIG]44140[/ATTACH][ATTACH=CONFIG]44139[/ATTACH]TMB agreement

[ims21]

Sadly they are still jpj files and are too small to read.

 

Check your PM in box in 5 mins please.