• Account type - loan
• Date commenced - 26062004
• Approx Balance - Dec 2011 £8869.50
• Date last paid in FULL - 9th Nov 2005
• On arrangement - started £10 one off payment, then £15 a month from 07/09/2006 to 18/10/2006, then £25 a month from 16/11/2006 to 1/08/2009 and lastly £30 a month from

...

If a DN quotes the above section does it only apply to regulated agreements.Or can it apply to any unregulated(exempt) also?
GM

Just setting this up to move stuff to that's currently cluttering up the main CPUTR thread.

Please don't post on here for the time being... Thanks.

PRIORITYONE & CPUTR 2008 (username aded for search purposes)

CPUTR = Consumer Protection from Unfair Trading Regulations (2008)

I promised Niddy that I would start a CPUTR thread to explain why I like using it so much..... so here it is.

The thread has been...

I'll start at the begining, coz it's a long story

Hubby took out tis card in the dark ages of 1978, he cannot remember signing anything, and we think it was linked to his TSB account.

we defaulted on the account 2002
and received a letter saying they had CLOSED the...

...

Hi all,

I need a bit of advice if possible. I sent Calders a CCA request for a Barclaycard debt there chasing taken out in 1996 and they've sent me a letter and attachment back but i don't think its a CCA! It has no dates or anything etc but I could be wrong, can anyone cast a...

!--------------- Admin Edit ---------------!

Main thread for CPUTR 2008 Queries is here ---> PriorityOne CPUTR 2008 (ex P1 CAG CPUTR 2008) - allaboutFORUMS

PriorityOne CPUTR 2008 Thread

!--------------- Admin Edit ---------------!

Has anyone used...

Morning All,

Well seems that we're now into year 6 - all the DCA's from the past are trying to make contact again, unfortunately for them - last time I communicated was in 2009 at which point I threatened a charge of £25 per letter which I am now invoking as a result of their inability...

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We don't bite, Help...

Hi Guys,

I've been browsing through these forums and theres some great help and advice on here and just wondered if anyone could help me in my little dilema?

I have a outstanding balance from capital one of £781.58 This dates back to 2009.

This got passed...

Had a letter from a DCA regarding an old debt from about 8 years ago.Its been sold on from a previous DCA who couldnt provide a CCA to me back then.I did start paying the other DCA,but stopped paying 4 years ago,CCA'd them and as they couldnt provide a CCA they basically didnt pursue the debt.
...

Wife got a letter from Lowell, reference a mobile phone contract that was defaulted on a few years back. I sent them a prove it letter.

Got a letter in response saying that they had bought the debt from O2 and they enclosed a computerised print out of payments made on the account....

Just thought i'd give a bit of an update to my history and recent events. Basically, in a nutshell a few years ago (2005-2006) I was the victim of ID fraud whereby several accounts were opened using my name and date of birth, but at an address i'd never heard of let alone lived...

I paid Eastleys Solicitors in Paignton to challenge the enforceability of my loan with Northern Rock. They claimed there were breaches in my original loan agreement, however, they also said this about a HSBC loan I had but were actually proved to be incorrect by Niddy.

Here is a copy...