• Welcome to the LegalBeagles Consumer and Legal Forum.
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

S 77 request

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • S 77 request

    A while ago I sent off a S77 request for a loan. When it came back I was told it was enforceable but because I am skint I have been blagging it. Anyway today I had another letter so I got the file out and realise they sent me a signed agreement , a full list of payments made , the DD mandate but no T&C's. On the agreement it refers to section 3(a) overleaf but there is no overleaf or anything else.

    I guess I should be telling them they are in default of the CCA request?

    Any thoughts

    LV CCA EDIT.pdf

    In case PT is having kittens at the black marker I copied the original before getting the pen out
    Last edited by jon1965; 3rd July 2013, 20:36:PM.
    Tags: None

  • #2
    Re: S 77 request

    Hi jon1965,

    If they haven't sent the T & C's (Those that existed at inception of the agreement, plus current ones/modification notices to the original), technically they have not fulfilled their remit as per CCA.
    I also note that they do not mention T & Cs in their covering letter.

    Btw have you considered reclaiming the PPI?
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb


    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.


    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

    Comment


    • #3
      Re: S 77 request

      Hi Dx :tinysmile_grin_t:

      I actually cancelled the PPI as soon as the loan was paid into my account.
      It's quite odd as this is my largest debt by quite a way and they have been almost the quietest. It was also one of the debts that was assigned almost as soon as it was terminated by LV , alas I do not have any of those letters as my head was firmly in the sand at that point

      Comment


      • #4
        Re: S 77 request

        As far as I can see the loan agreement is fully enforceable. It contains all the prescribed terms on the signed document.

        The lack of T&Cs is probably easily overcome by the creditor if needed.
        They were out to get me!! But now it's too late!!

        Comment


        • #5
          Re: S 77 request

          Basa while I agree that on the surface it looks like it is enforceable if the CCA errors are rectified there are a few glaring errors and as they do not have the original and have stated that what they sent is complete they may have some difficulty. This debt is now owned by Hillsden who bought it off eith MSDW or LV. I took it out at the time they were merging their loan books.
          Not only are there terms referred to that are not there, they refer to the payment being one month after the release of the funds...when was that?
          They also, within 4 months of inception were charging £12 and not the £15 the agreement says .
          They then sent a DN in november that was not rectified and another DN for a different amount in Jan which again wasnt rectified.

          Anyway it is really all academic as if they issued me with a SD I think I may invite them in for tea a cake and if hes nice a special treat

          Thank you for your comments though, but you have to admit that what they sent fails under the CCA1974 as a S77 request.

          Comment


          • #6
            Re: S 77 request

            Hi jon1965,

            Have you received Notices of Assignment which link the present debt 'owner' to the original creditor? (ie is there a paper trail showing NoA's in sequence?).
            CAVEAT LECTOR

            This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

            You and I do not see things as they are. We see things as we are.
            Cohen, Herb


            There is danger when a man throws his tongue into high gear before he
            gets his brain a-going.
            Phelps, C. C.


            "They couldn't hit an elephant at this distance!"
            The last words of John Sedgwick

            Comment


            • #7
              Re: S 77 request

              Yes I have but I do not have them now sadly

              Comment


              • #8
                Re: S 77 request

                Re the documents shown in post #1 above, & referring to the third one headed "Important - you should read this carefully", was this on the back of the copy of the agreement sent to you in response to the s77, or was it a separate sheet?
                & is there a date, or indication of a date, on it? (can't make out what is printed on the bottom!)
                CAVEAT LECTOR

                This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                You and I do not see things as they are. We see things as we are.
                Cohen, Herb


                There is danger when a man throws his tongue into high gear before he
                gets his brain a-going.
                Phelps, C. C.


                "They couldn't hit an elephant at this distance!"
                The last words of John Sedgwick

                Comment


                • #9
                  Re: S 77 request

                  Hi Charity
                  It was definitely a separate sheet of paper, I still have the request as it arrived from Hillsden , complete with staples. I am not at home at the moment but will have a look when I get in later about what is at the bottom

                  Comment


                  • #10
                    Re: S 77 request

                    Had a look at the original and your guess is as good as mine. It is as it appears on the scan my best guess at the numbers are 0015599105 although the 1's could be 4's .No idea really

                    Comment


                    • #11
                      Re: S 77 request

                      In case I missed something, when did you last pay into, or acknowledge in writing, the debt.
                      CAVEAT LECTOR

                      This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                      You and I do not see things as they are. We see things as we are.
                      Cohen, Herb


                      There is danger when a man throws his tongue into high gear before he
                      gets his brain a-going.
                      Phelps, C. C.


                      "They couldn't hit an elephant at this distance!"
                      The last words of John Sedgwick

                      Comment


                      • #12
                        Re: S 77 request

                        Sadly a little over a year ago. I was in a dmp. Then I went over to the dark side and ccad everyone. Stopped paying all my debts even ones like this that I were told were enforceable. No job no house no money what else could I do.

                        Comment


                        • #13
                          Re: S 77 request

                          Originally posted by jon1965 View Post
                          Basa while I agree that on the surface it looks like it is enforceable if the CCA errors are rectified there are a few glaring errors and as they do not have the original and have stated that what they sent is complete they may have some difficulty.
                          Not sure what you regard as 'glaring errors' and whilst I admire your optimism I feel that all a judge would be interested in is did you get the loan and did you know what the interest rate, amount of loan and method of repayment is. These terms are all clearly displayed and signed for. Most anything else is ' de minimis'.

                          Originally posted by jon1965 View Post
                          Not only are there terms referred to that are not there, they refer to the payment being one month after the release of the funds...when was that?
                          Not sure this would be relevant as you clearly received the money and presumably started to repay it at some stage. The exact dates are not really important although you agreed to make the first payment 4 months after the funds were released.
                          Originally posted by jon1965 View Post
                          They also, within 4 months of inception were charging £12 and not the £15 the agreement says .
                          Again why would this be prejudicial? It is in your favour and as I recall there was some legislation for creditors to reduce late payment charges.
                          Originally posted by jon1965 View Post
                          They then sent a DN in november that was not rectified and another DN for a different amount in Jan which again wasnt rectified.
                          AFAIK They can issue as many DNs as they wish until they terminate the agreement.

                          Originally posted by jon1965 View Post
                          Anyway it is really all academic as if they issued me with a SD I think I may invite them in for tea a cake and if hes nice a special treat
                          Not sure what is meant by this?

                          Originally posted by jon1965 View Post
                          Thank you for your comments though, but you have to admit that what they sent fails under the CCA1974 as a S77 request.
                          I'm not so sure that is important as in court all they have to prove is that you got the money and signed a contract (S61). Nothing to do with S77.
                          They were out to get me!! But now it's too late!!

                          Comment


                          • #14
                            Re: S 77 request

                            Basa
                            I would have thought it entirely obvious what I meant , if they served me a SD I would say thank you very much, now make me BR and save me the £525 I do not have.

                            S77(4) The creditor can not enforce the agreement while the default exists.
                            Now there are clearly several pieces of paper missing from my CCA request
                            T&C's for the loan at inception and at default
                            T&C's for the PPI at inception

                            As for what is de minimus that is not for us to decide, I used to be told that a bad DN was de minimus but apparently it;s not

                            Has S77(4) been repealed? and if so when?

                            Of course you say that it has all been seen and signed for but of course .......

                            Comment


                            • #15
                              Re: S 77 request

                              The 'Carey' decision has really made for tough going for the debtor in a CCA case. (I'm not sure whether the lower courts fully understand it!)

                              You'll have your work cut out for you, should you try to avoid the debt on the above basis.

                              It would be nice, however, if we consumers could have a 'win' on these arguments - sort of even up the balance.

                              Cometh the hour?.......................
                              CAVEAT LECTOR

                              This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                              You and I do not see things as they are. We see things as we are.
                              Cohen, Herb


                              There is danger when a man throws his tongue into high gear before he
                              gets his brain a-going.
                              Phelps, C. C.


                              "They couldn't hit an elephant at this distance!"
                              The last words of John Sedgwick

                              Comment

                              View our Terms and Conditions

                              LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

                              If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


                              If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.
                              Working...
                              X