My Current DMP Plan

[Never-In-Doubt]

Re: My Current DMP Plan

Got my Equifax results though no defaults on any of my cards. Still waiting for Barclaycard to offer a payment plan.

Anything good on there or is it all upto date? If so, then maybe a good idea to continue to pay.....

Obviously only you can decide what is best for you.

[Life Goes On]

Re: My Current DMP Plan

Got my Equifax results though no defaults on any of my cards. Still waiting for Barclaycard to offer a payment plan.

hey hey, its nearly the weekend!

[Life Goes On]

Re: My Current DMP Plan

Yes had a lovely weekend thanks Di, sun was shining and i was sunbathing!!

[di30]

Re: My Current DMP Plan

Cheers JenJen

A fab weekend, hope you enjoyed yours too.
Yes its good to know they did not sneak the ppi on , and so good to hear your firm as well, good for you x

[Life Goes On]

Re: My Current DMP Plan

Morning All

Thanks for looking Niddy. Im fully up to date with this loan we have never missed a payment as i was too scared it would effect my mortgage, and ive never included this in my DMP.

Im glad there is no PPI, i know i always said no, but have noticed from this forum they do tend to sneak things on at times!!

Hope everyone had a great weekend x

[di30]

Re: My Current DMP Plan

Nope, definitely not i'm afraid......

DOH

LOL.

[Never-In-Doubt]

Re: My Current DMP Plan

How's this coming on?

I take it no hidden PPI then for me to help you reclaim on? lol.

Nope, definitely not i'm afraid......

[Never-In-Doubt]

Re: My Current DMP Plan

Morning All!

Its friday..yey!!!!

Niddy, i have just mailed you a copy of my agreement. It does say at the top " regulated by the CCA1974" ????

Ill let you take a look, your the expert!

Thanks again

Jen

Hiya Jen

Unfortunately this agreement does contain all the prescribed terms and is therefore 100% enforceable so you can rule out going down the UE route with this one. Its up to you what to do next; can you confirm are you currently paying this? if so then continue to do so..... If not then please advise and i'll give you some idea's.

Sorry to have to do this but this is

[di30]

Re: My Current DMP Plan

How's this coming on?

I take it no hidden PPI then for me to help you reclaim on? lol.

[Life Goes On]

Re: My Current DMP Plan

Morning All!

Its friday..yey!!!!

Niddy, i have just mailed you a copy of my agreement. It does say at the top " regulated by the CCA1974" ????

Ill let you take a look, your the expert!

Thanks again

Jen

[Never-In-Doubt]

Re: My Current DMP Plan

I'll explain all this later stop stressing lol.

I'm asking about the loan cos if it's over £25k then things change somewhat. There won't be ppi, it's quite clear from jen's opening post she looks for these things. However I need to see the agreement of the loan if poss? Not a statement, the actual agreement.....

Ok, the loan in question based on the dates etc seems to be this one here: ---> Northern Rock Together

So, as you can see that explains the process of the product and the details of rate etc.... however, the point I was making above is that loans over £25k were not subject to CCA1974 thus things change, and not in a good way either unfortunately! This means they are not governed by the rules of the CCA, as such.

However, to brighten the mood, the CCA2006 (amendments) gave provision for all loans, unsecured, regardless of amount to have protection of the CCA1974/2006 meaning your loan will now fall within scope of CCA1974 meaning it'd be great to see the agreement as I may find fault with it .

See this link here for details of the amendments to the 1974 Act: ---> Explanation of CCA-2006

[Never-In-Doubt]

Re: My Current DMP Plan

Hi Niddy

Yes i have all the paperwork, im sure i can dig it out for you. I hope there isnt PPI but i remember at the time saying definately NO everytime i was ever asked for insurance, cos i remember telling everyone when they asked "if i suddently lost my job how would i make the payments", that i had sufficeint savings ( load of crap) that i could always dip into if ever needed , thats usually shut them up sos always stuck to the same story!!!

Can you please send me a copy of the agreement - click this

[Life Goes On]

Re: My Current DMP Plan

Hi Niddy

Yes i have all the paperwork, im sure i can dig it out for you. I hope there isnt PPI but i remember at the time saying definately NO everytime i was ever asked for insurance, cos i remember telling everyone when they asked "if i suddently lost my job how would i make the payments", that i had sufficeint savings ( load of crap) that i could always dip into if ever needed , thats usually shut them up sos always stuck to the same story!!!

[Never-In-Doubt]

Re: My Current DMP Plan

I'll explain all this later stop stressing lol.

I'm asking about the loan cos if it's over £25k then things change somewhat. There won't be ppi, it's quite clear from jen's opening post she looks for these things. However I need to see the agreement of the loan if poss? Not a statement, the actual agreement.....

[Numpty Monkey]

Re: My Current DMP Plan

Numpty love your long convo withthe confused agent!

I could and should have had a longer convo

but I couldn't be arsed I had better things to do