Comments on: Consumer Credit Act and Your Rights

By: Tony

Tony — Tue, 02 Mar 2010 21:58:21 +0000

Leighlor, you need to get on the phone to your bank and ask them to reverse the other three payments that you did not authorise and are fraudulent.

By: Phil Chave

Phil Chave — Mon, 01 Mar 2010 11:49:53 +0000

I think Budget Insurance are playing dirty. We had our contents (feb-feb) with them for what we thought was 1 year, as we look around every year and change companies regularly. As the renewal of our buildings policy drew close (nov 09), we checked for combined building/contents policies and chose one, which we took out. It was not with Budget, but the Budget policy only had 2 months to run, so we didn’t bother cancelling it. We heard nothing from Budget around Feb. when the contents would have been due and so did nothing.
Next we noticed Budget had taken £122 from our account as a renewal.
My wife rang to tell them there was a mistake and was bullied into accepting a £99 refund as there was an admin charge for cancelling the policy and 8 days of policy run which was £2 something.
Even if you accept that the renewal invitation was lost in the post and so they assumed it was okay to take my money, under the 14 day distant selling rules, surely I am well within this by at least 6 days.
Does this not mean the refund should have been in full? Given that my contents were already insured elsewhere and the policy was renewed without my permission.
Please if anyone can, please clarify my position before I call them back.
Many thanks.
Phil Chave
Blagdon UK.

By: Matt

Matt — Sun, 28 Feb 2010 17:23:51 +0000

I am in the exact same situation as you with the same company. I am so apauled that Barclys would have taken on Anglo Capital Ltd (the company behind access to trade skills)as they must of known they where going bust. I want Barclys to cancel the agreement and pay me back my money that they have taken from me for a service i am no longer receiving. I called up trading standards and they advised me to write a letter to Barclys partner finance which i am in the proccess of doing right now expressing my wish to cancel or get some sort of settlement, otherwise just like it says in point 3 of the agreement where its says ‘your rights’ it says “if the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.” so if nothing comes of this letter then sue i will try.

By: leighlor

leighlor — Fri, 26 Feb 2010 19:23:12 +0000

i owed a friend £500, he asked me if i could pay someone he owed money to.i paid over the phone using my debit card i later found out that they were 4 other transactions totalling £2400 made by this person. the bank says it is not fraud as i authorised the first payment i foned this company and they said this person owed them more money, i have told my friend about it but he is out of employment. any advice would be greatly appreciated! thanks.

By: Charlie

Charlie — Mon, 22 Feb 2010 15:59:05 +0000

I have a loan agreement with Barclays to pay a service provider for a plumbing course. The provider has now gone out of business but I’m told the loan still stands. Does the bank have a legal time scale or deadline to find a new supplier before the agreement is cancelled or can they keep the agreement valid indefinitely? Should I have heard from an insolvency broker by now on behalf of Access to Trade Skills (the supplier who went bust in January)? In the terms and conditions of the loan there is no notice of any sort of cooling off period or cancellation process, only a statement saying I apparently have no right to cancel at all under the CCA 1974! Does this mean that Barclays bank is above the law? Any advice gratefully recieved. Thank you.

By: Tony

Tony — Thu, 18 Feb 2010 22:57:48 +0000

It is all about reasonableness – would a reasonable person see the choice as adequate. This would be the view of the judge if it goes that far.

By: Olalemi John

Olalemi John — Wed, 17 Feb 2010 05:44:55 +0000

Hello,
I happened to registered with a computer training college named Advent Consults on the 30th May,2009,who took a loan on my behalf from barclays finance for this course.I had been paying back this money through direct debit until January,2010.In january,i was sent a mail that advent consult has gone into liquidation,therefore could no longer provide my service,while the loan with Barclays finance is still hanging.I called barclays for the way forward.i was told since i had already signed a loan aggrement,they must provide another provider of their own choice for me to continue with.What if i dont like the terms of service of their new provider?What happens to my previous payment?please i need an answer.Thanks. John

By: Mr B S Gilbraith

Mr B S Gilbraith — Tue, 09 Feb 2010 14:11:43 +0000

Does section 79 concerning the making the information in the consumer credit agreement available when a debt collection company is chasing the wrong person for a debt and therefore there is no information truely applicable to accused debtor? My wife is being chased for a debt she does not owe. The debt collection agency has suspended collection of it but will not recind the allegation. Neither will they supply any information regarding the debt, which is thought to be for unpaid rent. No debt breackdown, no date unpon which the debt became due, no property address, no rental agreement, no information indicating why they thought my wife was responsible. The owner of the debt will not reply to us. We cannot clear this matter up unless we receive information and it looks like the debt collection agenecy did not have sufficient justification for chasing my wife for it and have been ecremely harassing before they suspended collection.

By: Robert McLarrie

Robert McLarrie — Thu, 02 Apr 2009 11:01:09 +0000

I have an unsecured loan with Northern Rock taken out at the time of remortgage 2003 which is the method used by Northern Rock in giving out their offer of %125 mortgages. the interest rate on the unsecured loan is and has been variable after a fixed rate period all as the signed agreement, Is this a legal method for offering and servicing an unsecured loan?

By: Catriona

Catriona — Mon, 09 Mar 2009 23:19:10 +0000

Beth, yes, as long as the total transaction came to over £100 which I assume it would have done. You simply write to the credit card company outlining the circumstances and details of the transaction, and request a reimbursement within reasonable time.