There may be loads of posts about CCA 1974 etc., so sorry.
If a company was licensed to lend money, but lent more than the CCA 1974 allows (over £25k) then is this not breach of contract with the company that regulates them (FSA at the time)?
My agreement (taken out in 2004) states its regulated by CCA 1974, but I have a letter from the loan company (this year) confirming the loan is not regulated...
Also, if a loan is not regulated, then should they have been able to enforce the agreement and put an attachment of earning on me?
If a company was licensed to lend money, but lent more than the CCA 1974 allows (over £25k) then is this not breach of contract with the company that regulates them (FSA at the time)?
My agreement (taken out in 2004) states its regulated by CCA 1974, but I have a letter from the loan company (this year) confirming the loan is not regulated...
Also, if a loan is not regulated, then should they have been able to enforce the agreement and put an attachment of earning on me?
Can a company lend money stating its regulated when its not?
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