Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
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hi everyone. I thought i'd see if this site can help clarify where i stand with regards to a credit card account that has been held with HFC bank for 10 years. The bank has now decided to sell all it's card business to another company without so much as a by your leave. i would like to know what, if any legally binding documents need to be re-signed by myself in order for the balance to be legally due under the new company's terms of business.
Hi Welcome to CAG,You have come to the right place there are lots of people on here who will point you in the right direction.
Cheers B4E
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Thank You blue4ever:grin:
sorry for the delay in reply, been rather manic! i spoke with HFC to ask why Marbles said they don't have the docs to be told that HFS get rid of any docs after 6 years. does this mean that realistically they won't be able to enforce the agreement? surely they must have an archive of customers' accounts somewhere?
sorry for the delay in reply, been rather manic! i spoke with HFC to ask why Marbles said they don't have the docs to be told that HFS get rid of any docs after 6 years. does this mean that realistically they won't be able to enforce the agreement? surely they must have an archive of customers' accounts somewhere?
As this is pre-2007, they must have the agreement to get an enforcement order. As I understand it, no agreement - no enforcement.
Sec 127(3) (I think) of the consumer credit act 1974 states that the court shall not make an enforcement order unless the "signing of agreement" section has been complied with. If they can't produce the document then they can't prove it was signed. It needs prescribed terms on it as well.
HFC/Marbles are not going to like this. They will try to scare you into paying. You will need access to a scanner if you haven't already.
If they send you any threatening garbage, scan it, edit out your personal details and post it. There are loads of people on this forum who are very good at helping people in situations like yours.
don't sign any new agreements, in fact don't sign anything!!!!
Signatures have allegedly been "lifted" to create fake agreements.
newbie needs help with HFC Bank
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Originally Posted by dovorian
