FormerFP-G: But the loan cant be challenged under any form of CCA as its non-reg, over £25k. to answer some of your points: 2) its impossible to get any form of loan that isnt interest front loaded 3) Making capital repayments is allowed yes. its stated in the T&C's of the agreement about interest charges. Might not be ...

First let me appologise for the nine plus spelling mistakes. Type quicker than I can spell. Two points loan could be ruled unenforceable if the PPI can be eliminated. Also could be challenged under the new act Section 140/Section 18 -22 Unfair relationships. How much was the PPI policy my guess is in the region of 4500 to 6500

I am sorry to seem difficult or negative but one of theproblems with sites like this is a failure to understand what you are advising on. I do see the value of some of the things that are said but I take exception to posts like these. The legislation under the CCA 74 alows for loans that have been artifically made over the 1997 ceiling to be ...

This arguemnt was known in 2004/05 that is why the government revoked Section 127 (3) and handed the arguements and remedies back to the courts. Therefore the line has been drawn in the sand and revocation was the stick used to draw the line, The bank now know that for every day they delay more agreements fall through the net. They have already ...

Stubie-One: basa48: As you say the matter of the definition of interest rate is interesting. I cannot perceive which part of CCA 1974 they are looking at. For my part I am more interested in whether interest paid to an unenforceable account can be reclaimed since it could be argued there was never any rate of interest agreed. That was what I ...

The only problem cases are those concerning credit cards and the intentions of the lenders to default the card holder for non-payment. The argument runs that constitutes a form of enforcement and should therefore not be permitted. The lenders card issuers argue that their inability to enforce the agreements does not mean that the money is not ...

The cases that are being looked at are those where the lender/card issuer has sought to default someone who's card cannot be enforced as they are unable to produce an executed copy of the agreement under a section 78 application or general discovery after proceedings have been issued.

This is a standard Cabot tactic. If i had an ability to post here with my email address I could help properly. The tactic to take is based on a set of letters you need to send to both your origianl creditor and then Cabot

Could a Moderator help me I have tried to post my email address to help some people, but this is or appears not to be allowed Help Please. Mod - To edit your profile, log-in and go to the News & Community homepage and click on ‘Edit my community profile’ on the top right-hand side. Once in your profile click the email tab at top, ...

The cost of critical illness is much greater than the other type of insurance ASU/PPI/LPPI which is, when sold as a single premium very expensive (value wise) and mostly worthless. The commission payable on CI is about 50% of the premium and on ASU up to 90%. Cant see that this helps but I thought you might like to know.