A word of warning

[Never-In-Doubt]

Re: A word of warning

only if you let them be

in fact they are easier to pull apart than many think, most lenders make errors in them but its just a case of finding them

Your fave saying - The Devil is in the detail

Last night, good PT's but guess what? No interest rate! Paul found it, big boob-boob - but that's the things you find within the detail

[Paul.]

Re: A word of warning

its far easier to establish UE if you are in possession of the original loan agreement for example and able to show that the credit is wrong. That is verymuch nailed on as UE in my view

[Never-In-Doubt]

Re: A word of warning

Reconstructed Agreements are a very grey area and wide open to abuse and it is for that reason I hate them

It's this example I was referring to Carey on. Ok let's say that I do a s.78 cca request. The bank reply saying that due to the age they can't find it. The moment that happens we have to go back to basics and assume there is no agreement between us (I'm talking explicitly in relation to DPA and cra data sharing) therefore under s.10 we should have right to demand cease & desist (processing data) based on there being no signed authority.

Take for example our discussion recently regards the "old days" where if your face fits you got credit from the old style managers. Nothing was ever signed so no agreement to share data was ever in place.

Back to my example. Carey changed this by allowing the lender to create a recon thus forging an agreement based on THEIR interpretation of how it would have been presented in form & substance. Why? Who said the banks can be trusted? They have proven internal fraud and wrongdoing for decades. Yet they get the final say in what this alleged original would have contained.

Sorry, that's bollocks. That's ridiculous. That's nonsense.

So, we're still at that point where the lender confirms no agreement exists but they send a recon. The DPA does not work in tandem with CCA thus technically Carey is a breach of DPA as the DPA does not give weight to creating an agreement from other means, to satisfy any data sharing.

So my point is, Carey is a feckin joke because it contradicts numerous other acts none more so than the basic fundamentals of data protection in the DPA 1998.

[Never-In-Doubt]

Re: A word of warning

Paul - I know you may not agree but you also know whenever you mention Carey I rant. I can't help it

It's in the blood

[mgfboy]

Re: A word of warning

Out of curiosity how much do you think we would need to spend to challenge Carey in the courts?????

[Paul.]

Re: A word of warning

Out of curiosity how much do you think we would need to spend to challenge Carey in the courts?????

more than its worth, the Court of Appeal prima facie approved carey so its likely to be a case of taking it to the supreme court

cant see it happening really

[mgfboy]

Re: A word of warning

more than its worth, the Court of Appeal prima facie approved carey so its likely to be a case of taking it to the supreme court

cant see it happening really

6/7 figures then

When I win the euro millions , as part of me giving a good kicking to HSBC we should do it

[Never-In-Doubt]

Re: A word of warning

In a way though, as Paul says, it does clarify a lot of grey areas which if used correctly actually helps us (consumers)!

Whilst I hate it I also understand the ramifications hence I accept it. If that makes sense

I still rant though

[Paul.]

Re: A word of warning

while your ranting, what about the news that Rangers are gonna be a 3rd Division club lol

[Never-In-Doubt]

Re: A word of warning

while your ranting, what about the news that Rangers are gonna be a 3rd Division club lol

Jealousy is a bugger mate

[Paul.]

Re: A word of warning

Jealousy is a bugger mate

yeah you must be really jealous of Celtic now

[pompeyfaith]

Re: A word of warning

Hey 3rd Div is better than no div at all which looks like Pompey's fate!!!!!!!

[Never-In-Doubt]

Re: A word of warning

yeah you must be really jealous of Celtic now

Anyway. We're not buying Pompey now. But Bury

--> Bury deny Rangers takeover talk - Yahoo! Eurosport UK

[pompeyfaith]

Re: A word of warning

Maybe Redknapp will buy Pompey or how about you Paul I am sure they will accept a £1 if you can refinance the debt

[oscar]

Re: A word of warning

McGuffik pisses me off as well (and I side with Niddy on Carey )

My Natwest card - there is no agreement, never been supplied and (99% sure) I never signed one - was a student one, with a "packaged account" (no fee) Didnt show on my CRA files (as pre DPA 1998) but as soon as I default, crash bang whallop, there it is.