Hello my name is ***** ***** I will help you with this.
Was it a regulated agreement by the consumer credit act?
How much was the bank loan for and when was it taken out? Was it in your name or the business name?
But when please?
Can you just clairfy the date please?
This would indeed apply to regulated agreements by the Act. Sadly you do not have this as your agreement was for £50,000. The limit under the 1974 Act, but under the 2006 Act this was removed, but does not apply to retrospective agreements.
Therefore as it was not a regulated agreement it does not become a regulated agreement and therefore they do not have to send you the statements as required.
As such its not regulated and therefore this does not apply to the CCA.
I am sorry if this is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest.
Can I clarify anything for you about this today please?
Im sorry its not better news. Sadly the 2006 remove the upper limit so all consumer agreements are now regulated.
But sadly this does not apply here.