Jill7286 Diary

[jill7286]

Re: Jill7286 Diary

Don't get too downhearted until Niddy has a look. I've had ccas which I thought looked ok - then Niddy said they were UE.

I'd email the agreement to Niddy, using the 'email cca' button in his signature. Don't forget to put your usename!

Keeping my fingers crossed for you

Thanks Pixie

I have emailed it over to Niddy to have a look at.

I hope it is

Thanks

[Never-In-Doubt]

Re: Jill7286 Diary

Gimme an hour - i'll be back - need bacon, and I need it now!! LOL

[jill7286]

Re: Jill7286 Diary

Oh now that sounds nice, mmmmm!!

[Deepie]

Re: Jill7286 Diary


morning here have one on me

[jill7286]

Re: Jill7286 Diary

Thanks for that it was delicious!!!

[Never-In-Doubt]

Re: Jill7286 Diary

Thanks for that it was delicious!!!

Not half as nice as my real thing - sorry, meetings/work and other work related stuff got in the way! Now, where were we.......

[Never-In-Doubt]

Re: Jill7286 Diary

Hi Niddy (and anyone else reading!!)

This morning I have received a lovely letter from Fredrickson International along with a copy of the CCA which I requested .

I have uploaded the document to the document page!!

Not looking good from what I can see.

Hey ho, at least the sun is shining

Hiya

It looks good from where i'm sitting so don't worry too much! I mean, it is a bad CCA thus it is good for you cos it's 100%

Now to the reasons why, ok first off I need to clarify something - you borrowed £4,500 (approx) and the total charge for credit ended up at £9,000 - what a bloody con! Over £4,500 in fee's and interest

Ok, this all conforms to s.18 which is explained here ---> Multiple Agreements

Pay attention to this thread and also read down and see the examples (Example Agreements), you'll notice yours is the same as the other UE ones as they have added the charge for credit plus other associated costs and not split them within the agreement to create separate agreements - ergo it is a bad agreement and cannot be rectified with a recon, basically the whole thing should be written off as it was clearly an error!

Your agreement should have been split in two, one for the actual loan, then the prescribed terms for that loan (ie apr, repayment amount, repayment date and repayment term) then you should have had a second agreement linked within the main one for the insurance element which again, would list the apr, repayment details etc however it would then need to show the fee separate, as things stand you're paying interest on interest and on a fee all at 20.3% apr which was front loaded - this is a balls up big style really. They have more chance of winning the Bank of Britain award than ever successfully beating you in court with this.

Respond with the following: ---> CCA Query - Missing Prescribed Terms

It is 100%

happy now?

[jill7286]

Re: Jill7286 Diary

Ooooohhhhh Niddy I could just you!!!!!

Thank you very much.

I shall be sending that letter off first thing tomorrow.

Woohoo Niddy says it's

[Never-In-Doubt]

Re: Jill7286 Diary

Ooooohhhhh Niddy I could just you!!!!!

Thank you very much.

I shall be sending that letter off first thing tomorrow.

Woohoo Niddy says it's

Have you read the thread about s.18? i.e multiple agreements? You ought to, just so you're certain within yourself what it is i'm saying as this is extremely complex legislation! I hate it

But yea, they've messed up - that's for sure

[jill7286]

Re: Jill7286 Diary

I've had a quick glance over it and felt a bit

Will have a good read through it this weekend so that I can get my head round it.

To top it all, Fredrickson International sent me a Statement of Account yesterday,!!

Cheers

[Never-In-Doubt]

Re: Jill7286 Diary

Don't worry too much about it - it's

That's the main thing yea?

[jill7286]

Re: Jill7286 Diary

Morning Niddy and everyone

Looks like RBS are trying their best to get this money back!! I've had a Formal Demand of Payment from Robinson Way & Co yesterday. (plus lots of telephone calls which have either gone unanswered or been answered with 'sorry wrong number'!!)

Should I reply with the sold while in dispute letter?

Thanks

[Never-In-Doubt]

Re: Jill7286 Diary

Morning Niddy and everyone

Looks like RBS are trying their best to get this money back!! I've had a Formal Demand of Payment from Robinson Way & Co yesterday. (plus lots of telephone calls which have either gone unanswered or been answered with 'sorry wrong number'!!)

Should I reply with the sold while in dispute letter?

Thanks

Send this to Rob Way: ---> Account sold - whilst in Default of CCA Request

[jill7286]

Re: Jill7286 Diary

Thanks Niddy will get it sent off today.

[jill7286]

Re: Jill7286 Diary

Hiya

Okay, sent the letter off to Robinson Way. I received a call at home last week which I replied with not at this number etc but they are now trying to contact me at work! God knows how they got my works number, could be from a previous account I had with them. I am really annoyed with this cause I work in a government department and they are coming through on the main number and leaving messages with my colleagues to phone them back. Should I send the normal telephone harassment letter or the work one?

Thank you