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I wonder what our next step is? Presumably we wait and see if we get a letter when the others do? If we don't, or if the letter says we're not entitled to anything.. then what? Any legal sorts around? PS if I do get a letter I'll find out a while from now because as we've just moved, NRAM don't know...

That was what I was thinking too - that by *not* giving us protection under the CCA, we are losing out on this repayment. Because normally you have to prove that you've suffered some sort of material loss - well, a few grand in interest repayments sounds like a material loss to me. But I am no lawye...

Great idea! I'm in the same boat. We had a loan for 29.5K (asked for £25K initially but they upped the unsecured part to provide a greater part of the deposit - we had no choice) taken out May 2004. Paperwork all says "Regulated by the Consumer Credit Act 1974" and has our signatures on i...

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