Evening.
Starting this slightly unusual one as it relates to a current account overdraft and a request for its credit agreement given the newer rules on overdrafts.
The newish rules say that a credit agreement is required for overdrafts after 2011.
In this case however the 'draft was...
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Annual Statements
Can someone please clarify the situation regarding annual statements?
What are supposed to receive them for?
If you dont receive them does this make a debt UE?
Can this be rectified?
Thank you -
Reconstituted Agreements
I've been reading the excellent AAD guide to UE as a result of which I think I've got a better understanding of most aspects of UE, or so I thought at first! I'm sure I read somewhere that for Pre-April 2007 credit card accounts reconstituted agreements are NOT "valid,true copies and unacceptable".... -
debtnewbie's Diary
Here's the (long) list - hope this format is okay...any advice much appreciated!
Last edited by debtnewbie; 12 March 2017, 17:11. -
parking fine double yellows ?
I got a fine for parkingon double yellows- but i sent it back with 'not entering into contract' worth a try but is this right ? -
Loan payment taken from Current Account
Hi sorry if this is the wrong place to post, but if anyone could help I would be most grateful, my father has died and he had a personal loan with Barclays with about £300 left to pay, I have told them about his death and they say that the money he has in his current account must pay off the loan and... -
New law needed for pension protection, says minister
New law needed for pension protection, says minister
This is a duplicate of the Blog Entry made on: 9th March 2016 19:14
A new law is needed to protect workers' savings held by companies that provide auto-enrolment pension schemes, a minister has said....
Fears that dozens -
Nationwide reveals £55m charge for consumer credit redress
Nationwide reveals £55m charge for consumer credit redress
This is a duplicate of the Blog Entry made on: 19th February 2016 16:44
Nationwide Building Society expects to pay out £55m in consumer redress this year due to regulatory matters including consumer credit legislation.... -
CCA Dates
Is there more chance for accounts to be UE the older they are, is there a chance that debts that are only a couple of years old be UE. Also can I CCA a plain old current account is it only really appropriate for CC's and loans?
You will understand by my recent posts that I am new to this.... -
Lending Stream and pounds to pocket
Basically I have taken out 5 payday loans with Lending Stream and one with Pounds to pocket. I shouldn't have done this as I am in a DMP and am in a position where I am struggling to pay back the agreed amount but needs arose at the time where I had no option. I have read through some threads on here... -
LANDLADY IN NEED OF HELP PLEASE
Hi,
I am new to this site and have been looking at posts by a member called PlanB - who I am hoping with be able to help me please?
I have my own home and another which I rent out. I rent out to people who struggle to find anywhere else as they all have difficulties but we... -
pay slips, are we supposed to have them
Hi all, daughter is having a slight problem with our boss about pay slips.
we work for a local taxi firm that is contracted by local council to take children to and from school, they have to bid for the work,
we are paid in cash each week but don't get paid if off, ill or holidays,... -
Stepchange dmp
ive been in dmp since May 2014. Owed debt approx 21k 10 creditors. I've recently changed jobs and have substantial increase in salary. I am really worried and stressed that when I come to my review stepchange will take all the additional monies from me and I will be left again with very little money... -
Neighbour Smokes Weed Outside
Hey guys,
I feel really bad about having a problem with this and I don't know why? Everyone has a right to do what they want, however, as a non smoking family we've moved into our new house not knowing that our next door neighbour smokes weed multiple times a day, outside. Now normally... -
Trust Deed
Hi, I have just received a call to my mobile. I usually ignore numbers I don't recognise and when this one came up I rejected it even though it was a Glasgow number. It immediately called me back so I answered it assuming someone was urgently trying to get me!
Anyway, it is some sort of...