When a trader offers credit , e.g. one year interest free credit, the loan is not normally advanced by the trader but by a finance house, and goods are not ordered or delivered until the loan is approved, which may take weeks.
Under CCA regs, who is the Creditor for cancellation rights?...
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Who is the Creditor?
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Court threat from Cabot/Mortimer Clarke Solicitors
Hi all,
I have revived this letter out of the blue. I have sent CCA request when I first started in this forum but I didnt get anything, and it has been passed around debt collectors. I have moved address but I received this now. Do I send CCA request now? and to who? vanquis or cabot... -
drydensfairfax letters
Hi
I hope that somebody can help me please? I received a letter from drysdenfaifax to my old address,and it came in the redirected mail. It said I owed money to Arrow, who I had never heard of so sent it back "not at this address" then another went to that address and came in redirected... -
UNREGULATED AGREEMENTS ON CCA REGULATED PAPERWORK
Hi all, this is my first post so please be gentle with me
Is anyone familiar with the N Rock loans case which has now gone to appeal? In that case, N Rock dished out CCA regulated loans on standard regulated paperwork regardless of the fact that many of the loans exceeded the then £25k... -
me vs arrow global/shoosmiths
Hi guys, looking for some help here of a fairly immediate nature... This has been posted on a couple of other forums too but this was recommended to me. Bit of a back story here regarding solicitor but i'll not get into it as it is irrelevant at this point
I'm currently resident in Scotland... -
SAR paperwork received
Hi, I have received the SAR paperwork I requested from Lloyds for my partner, They have sent bank account statements from August 2001 and credit card statements from January 2000, they say prior to this statements no longer exist although they did send a copy of the credit card agreement dated 6th April... -
lloydstsb credit card sale?
Does anyone know if there has been a recent,since Christmas, sale of delinquent credit card accounts?
They don't appear to be updating CRA data. -
Arrow Global (Shoosmiths) v Atieno (Scotland)
Hey guys and girls,
Sorry if im posting in the wrong place, abit confused as to where to put this, but im a bit lost on this issue at the mo.
Firstly I should start with, I live in Scotland. I have a student overdraft standing at £1,800 from 2010. (date of default on account... -
Wife's Barclaycard account now with MKDP
We have received a copy of the application form and reconstructed T&Cs for my wife's Barclaycard account from 2004 which has been sold to MKDP from a CCA request. Part of the copy is unreadable. There doesn't appear to be any details as to APR or repayment etc unless it is in the unreadable section.... -
can you contest a fine for not having a ticket on a train journey
Hi all'
this is for a friend quick(ish) story.
Friends son, J, attends college in Crewe, normally travels by moped, last week bike went off the road, he managed to get a lift to a local train station with 2 mins to spare before train arrived, large Que at ticket office,Train... -
MicroCredit/MiniCredit
Hey all,
Wasn't sure if this was on here or not, couldn't find a post for it. But MicroCredit has ceased to trade. HOOOORAYYY!
However, I have a debt with them, these are the ones that added unfair charges.
Does this mean my debt is written off or?
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Lowells/CapitalOne application form.
After receiving a letter a couple of months ago from Lowells regarding a 1998 Capital One CC account informing me that documents can't be found and the account is now closed, I've received a pack containing a one page copy of the application form and further unlinked copies of terms and conditions.... -
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Thousands To Get Northern Rock Refunds
Thousands To Get Northern Rock Refunds
This is a duplicate of the Blog Entry made on 10th December 2014 15:20.
Representatives of the defunct high street lender lose a legal test case over compensation stemming from loan documents. Thousands of borrowers...
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Smallpaws UE Diary
Hi this is a new thing for me so hope I have everything ready to start up
Original creditor Capital One
- Type of account Credit Card
- Date commenced
- Approx balance £6992.45
- Date last paid 27/10/14
- Are you on arrangement or not paying DMP with Stepchange
- Status added
