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?...

Hi Everybody

Im posting this on behalf of a relative. He's really at his wits and so down about this situation.

He has debts with

HSBC -loan, card and overdraft. Loan was from 27/03/2007 for £5000. I'm. not sure about the other dates
not sure about the...

probably a good idea this one, announced in Osbornes' Budget statement..

But, while it's early days it is unclear which pension schemes will qualify for this...unless anyone knows ?

I'm pretty sure the Section 32 buy out schemes will not qualify though (just a feeling)..These...

In June or July of last year my friend and i decided to join a local health club to get fit, we was told that if we joined up on the day we would only have to pay a certian amount of money for the first three months, i decided to join on my friends corporate membership as this worked out better for...

Bit of a silly question but want to check it's ok to insure 2 cars with different insurance companies.

I'm buying a car from a neighbour because my current one won't get through the MOT without major money being spent. The insurance co are one call who I want to leave anyway (just google...

How are you keeping cool in this heatwave? Are you sleeping OK?

Let us know your tips

I don't know very much about this, but do the regs apply to rolling credit agreements where the two parties never meet ? ie you pick up an application form in a supermarket for a credit card...or cut out an ad from a newspaper .

If the regs do apply, are the conditions with regards to supplying...

Hi All,

I have purchased a sofa yesterday from ScS (I know) using finance. In the finance agreement it says I can cancel the credit agreement within at least 7 days (even though I signed it on the premises).

I would like to know if I cancelled the credit (today) would I still...

A friend of mine went to her local curves gym yesterday and it was a pretty hard sell, she had to basically sign up there and then it was a lot of pressure (we know how gyms can be)


However, Today she has seen that this wasn't a wise choice very high membership for very shotty...

so after a complete fucking nightmare with a "simple" sky installation I ended up talking to their technical department and after explaining to them _how_ ADSL works including line noise, line length and attenuation they finally put my sync speed at something sensible ... So it will fluctuate...

Hi everyone

I recently took out a home insurance[img]http://www.consumeractiongroup.co.uk/forum/autolinker/images/link3.gif[/img] policy with dial direct after the kwik fit fiasco, got a good premium but when they sent out the paperwork I forgot to return the signed credit agreement now they want...

I got a phone call today from Npower - After a 35 min call I agreed to switch from Socttish Hydro but I've never dealt with anyone except the Hydro.

I've been looking for complaints from customers about Npower but can't find anything recent (there are a few from 2008) so I was wondering...

Can anyone help about car hire purchase? I feel that my 80 year old dad has been dreadfully taken advantage of a few days ago. He, which he understands was a foolish thing to do, went to a car dealership with his car which was old but in very good condition. He wanted to make a cash purchase and exchange...