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creditor who breeches CCA

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  • #1

    creditor who breeches CCA

    Hi folks,

    I've heard/read somewhere of 'sanctions' for creditors who break the CCA, has anyone come across these?

    best hopes

    Me
    Tags: None
  • #2
    Hi

    Imho, your post is far too vague to offer any meaningful opinion.

    'Break the CCA' how, exactly?
    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
      oops

      by way of when requesting copies of statements & agreements - section 77, we originally asked back in 2017, they ignored it and we forgot about it, till a few days ago......

      Comment

      • #4
        Originally posted by hi-its-me View Post
        oops

        by way of when requesting copies of statements & agreements - section 77, we originally asked back in 2017, they ignored it and we forgot about it, till a few days ago......
        So this was for a fixed sum loan?
        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

        • #5
          no it was next directory.

          sorry for the delay (not been to well recently)

          Comment

          • #6
            The sanction for non compliance with s77 and 78 is the agreement cannot be enforced.
            I work for Roach Pittis Solicitors. I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability.

            If you need to contact me please email me on Pt@roachpittis.co.uk .

            I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.

            You can also follow my blog on consumer credit here.
            • 1 thank

            Comment

            • #7
              Originally posted by hi-its-me View Post
              no it was next directory.

              sorry for the delay (not been to well recently)
              Next agreements are normally running account credit agreements, so s78 is applicable, not s77.
              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

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