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Thanks for asking for me.
The other debt, what was that and how much? Is that the wholesale debt for goods?
That wont be regulated. That is just a contract for goods. That wont be a regulated agreement either I am sorry to say, given the value and the fact it was just a contract for goods.Once again I am sorry, as I know it wont be the answer you want. Ash
But S.75A was brought in by The Consumer Credit (EU Directive) Regulations 2010. Therefore as the 2006 amendments does not apply retrospective.
Its unlikely to be an unregulated agreement.
Does that clarify?
No. It would be from the date you signed the agreement. In any event if you didnt raise it at Court then you can't claim it now.
Thanks again and good luck.