Jump to content


  • Tweets

  • Posts

    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
    • Unless I've got an incorrect copy of the relevant regulation: The PCN is only deemed to have arrived two days after dispatch "unless the contrary is proved" in which case date of delivery does matter (not just date of posting) and I would like clarification of the required standard of proof. It seems perhaps this hasn't been tested. Since post is now barcoded for the Post Office's own tracking purposes perhaps there is some way I can get that evidence from the Post Office...
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Debenhams/Santander Cards-Viking Collection Services LTD


Nicola85
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5049 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I'm having trouble with a Debenhams Storecard,

 

I called Santander Cards and I told them I was having trouble paying my bills at that moment in time. They were understanding about my troubles. I was told that they would send a letter on which I could tell them about my income and my outgoings so they could reduce my monthly payment. I gave them 10 days to do so. I never received the letter. Instead I received the letter below.

 

 

DEBT ENFORCEMENT

 

 

VIKING COLLECTION SERVICES LTD

 

P.O. Box 800

Leeds

LS99 2AE

22/09/09

 

Dear Miss

 

Santander Cards UK Limited

 

DEBENHAMS STORECARD Account Number:

 

Outstanding Balance:

 

Your above Santander Cards UK Limited account has been transferred to Viking Collections Services Limited. This has happened due to your failure to make the acquired payments on your account.

 

To avoid further action, which will include further contact by telephone and letter and administration fees. You are now required to pay the full outstanding balance of £ within the next 7 days. Please contact us on 0870 513 4601 to make this payment by debit card.

 

If you are unable to pay the full balance you should still contact us to discuss your payment options.

 

Yours sincerely

 

R Hodgson

Viking Collections Manager

 

 

I wrote back with a Debt Validation letter.

Viking Collection Services LTD

P.O. Box 800

Leeds

LS99 2AE

 

Saturday 26th September 2009

 

Regarding: Debenhams Storecard Account Number:

 

Mr R Hodgson,

 

I am writing in response to the letter received from you on date 26/09/09. Pursuant to my rights under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b).

 

I am requesting that you provide validation of this debt. Note this is not a refusal to pay, but a request that you provide me with evidence that I have a legal obligation to pay you.

 

I am not requesting "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal obligation to pay you.

 

Please provide me with the following:

 

The amount of money you say I owe.

 

What the money you say I owe is for.

 

Explain and show me a break down of how you calculated this amount you say I owe.

 

Identify the original creditor's name, address and phone number.

 

Prove the Statute of Limitations has not expired on this alleged account.

 

Provide me with a copy of the agreement between you and the original creditor that allows you to collect this debt for the original creditor.

 

Provide me with a copy of the original contract with my signature.

 

Provide me with your license number and any registered agents.

 

If you are able to provide me with all of the proper documentation as I have requested. I will require at least 30 days to review and investigate this information and during such time any collection activity must cease and desist.

 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting agency that could be inaccurate or invalidated or by verifying an alleged account as accurate when in fact there is no provided proof that it is.

 

If you fail to respond to this validation request within 30 days from the date of your receipt, or do not provide me with the proper validation, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

 

I would also like to request, in writing, that no telephone contact be made by you to my home, cell phone, work place, to any family members, friends, neighbors or co-workers. If you attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by Royal Mail.

 

Yours Sincerely,

 

I received a reply to my letter:

 

Santander Cards

 

16 October 2009

 

Dear Miss

 

Debenhams Account Number:

 

Thank you for your letter dated 26 September 2009, received on 30 September 2009, regarding the above account. This has been passed to us by Viking Collection Services to respond. Please accept my apologies for the delay.

 

I have enclosed a copy of the agreement that you signed to open the account and can confirm that this is the legally binding contract between you and Santander Cards. You will see that the agreement contains your title, name, address, telephone number and signature.

 

If you require a full breakdown of the account copy statements can be provided. However, to cover administration costs a charge of £3.00 is payable for each copy statement. If you request more than three statements at any one time this charge will be capped at £10.00. Should you require copies, please send a cheque payable to Santander Cards to the following address stating your requirements.

 

Credit Data Management

Santander Cards

P.O. Box 700

Leeds

LS99 2BD

 

Viking Collection Services whose registration number is 508834 are part of the Santander group of companies. As such, we have instructed them to collect the outstanding debt on our behalf and we are entitled to do so.

 

Action will continue to be taken to recover the outstanding balance, which is currently £, if payments are not maintained according to the terms and conditions of the agreement. We will also continue to report the details of the account to the Credit Reference Agencies and any information already recorded will not be removed.

 

If you are experiencing financial difficulties, please contact our Financial Solutions Unit on 0845 6000025, who may be able to agree a suitable payment arrangement with you.

 

 

I trust this clarifies the situation.

 

Yours sincerely

 

Janet McGuire

Credit Data Management

0871 522 5801

 

Enc: Copy of agreement

 

Santander Cards, P.O. Box 700, Leeds, LS99 2BD

 

 

*The reply was not from Viking Collection Services LTD it was from Credit Data Management, Santander Cards, P.O. Box 700, Leeds. LS99 2BD.

I did ask for debt validation from Viking Collection Services LTD. I got a reply from Santander Cards instead.

 

What I would like to know is: Is the copy of the agreement legally enforceable? I only have a tiny photocopied piece of paper with what looks like the front of the Original Credit Agreement, signed by myself. I have not been provided with any T&C’S.

 

I’m not trying to get out of paying my debts. I’m just annoyed that I did not get to sort out paying my debt to the original creditor Santander Cards.

 

I have no Idea who Viking Collection Services are. Which is why I sent out a debt validation letter to see if they legally own the debt and I legally have to pay them I can do so.

 

If yes/no what should I take for my next step?

 

Thank you in advance for you help.

Nicola.

Edited by Nicola85
Link to post
Share on other sites

  • Replies 70
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thread moved for more input.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Just done a very tiny amount of research on tinternet and came up with the following:

Name & Registered Office:

VIKING COLLECTION SERVICES LIMITED

2 TRITON SQUARE

REGENT'S PLACE

LONDON

NW1 3AN

Company No. 00508834

 

 

Status: Active

Date of Incorporation: 13/06/1952

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6523 - Other financial intermediation

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2008 (DORMANT)

Next Accounts Due: 30/09/2010

Last Return Made Up To: 09/11/2008

Next Return Due: 07/12/2009

Last Members List: 09/11/2008

Previous Names: Date of change Previous Name 26/03/1984 READYCREDIT LIMITED 31/12/1979 BURTON CREDIT LIMITED 22/10/1992 BURTON GROUP PERSONAL ACCOUNTS LIMITED

 

Now not having sight of the letter they sent you, I would be unable to further see if they are the 'in-house' DCA for debenhams or not.

 

However it is pretty much safe to say that if you questioned Viking and Santander replied then they are one of the same, and they are the in-house DCA.

 

Santander having bought Abbey, they may well have bought other subsidary accounts, so if your agreement thorugh Debenhams was with the old abbey, then this woul explain their interest.

 

You would need to scan and post the document they sent you for others to look at in order to get solid advice as to your best course of action, use Photbucket, or TinyPic, but from what you have descibed if the T&C's are not on the same page as yours and their's signature then it 'may' be unenforceable.

 

But please scan and post it first to get further advice as to this..

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Would it be of any help if I told you that I signed the CA on 09/06/05?

 

I've been doing a lot of reading lately and I've come across certain information that states: An agreement that is not properly executed and was signed before 2006 is not enforceable unless it has the debtor's signature and the prescribed terms in the same document.

 

Well, the agreement has what looks like my signature.

I'm unsure of what the prescribed terms are for a store card. I can only find them for a credit card.

In the agreement it has the credit limit, the total charge for credit and the APR.

 

Does the agreement not have to include:

 

A term stating the rate of any interest on the credit to be provided under the agreement and A term stating how the debtor is to discharge his obligations under the agreement to make the repayments which may be expressed by reference to a combination of any of the following:-

 

(a) Number of repayments

(b) Amount of repayments

© Frequency and timing of repayments

(d) Dates of repayments

(e) The manner in which any of the above may be determined or in any other way and any power of the creditor to vary what is payable.

 

There is no reference to any of those terms on the agreement.

 

Am I correct in thinking in absence of those terms will render the agreement unenforceable in court under s60 Consumer Credit Act 1974?

Edited by Nicola85
Link to post
Share on other sites

I'm not clued up on store cards and CCA 1974,

 

However I am thinking that you should be able to request the CCA, this would be done by sending them http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

Along with a postal order for £1. And send it Recorded delivery.

 

Give them 14 days to respond, if they fail to produce the CA then you can place the account in dispute and legally withhold payment until such time that they do.

 

The letters you have sent them asking for this information, is taken from the American fair debt collection practices, so they will have no jurisdiction in the UK which is possibly why they have just given you a load of flannel.

 

It would be unwise to tell you to place the account in dispute already, as Ideally we would need to see the documents/agreement they sent.

 

I would be inclined to send them an English CCA request, then see what they come back with, if they say they have already sent you the agreement, then we should take it from there.

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

It's difficult to read but does it contain the following prescribed terms; Credit Limit (although this can say it will be determined at a later date), %APR, Repayment Terms, Right To Cancel?

 

Also have a read of; http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

Link to post
Share on other sites

Send them this;

 

Dear Sirs,

 

Account no xxxxxxxxxxxxxx

 

 

Re: my request under the Consumer Credit Act 1974

 

This account is in Dispute .

 

On xx/xx/2009 I wrote to xxxxxxxxx requesting that xxxxxxx supply me a true copy of the executed credit agreement for this account.

In response to this request I was supplied a document which did not comply with the requirements of the Consumer Credit Act 1974.

 

The document sent purporting to be a credit agreement does not contain all of the prescribed terms as required by section 60(1) Consumer Credit Act 1974. The Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) made under the authority of the “1974 Act” sets out what the prescribed terms are, I refer you to Schedule 6 Column 2 of SI 1983/1553 for the definition of what is required.

 

Suffice to say not all of the terms are present in the document

 

Since this document does not contain all the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974, which states

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

In addition should you continue to pursue me for this debt you will be in breach of the OFT guidelines, I draw your attention to the Office of Fair Trading’s guidance on debt collection

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I refer to page 5 of the guidance which states;

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment.

 

I require you to produce a compliant copy of my credit agreement to confirm I am liable to you or any organisation, which you represent for this alleged debt, if you cannot do so I require written clarification that this is the case. Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40

 

Since the agreement is unenforceable and the default notice is non compliant, it would be in everyone’s interest to consider the matter closed and for your client to write the debt off. I suggest you give serious consideration to this as any attempt of litigation will be vigorously

defended and I will counter claim for all quantifiable damages

 

I respectfully request a response to this letter in 14 days

 

 

I trust this out lines the situation

Print name do not sign

Link to post
Share on other sites

  • 4 weeks later...

I sent the letter cerberusalert so kindly posted. Thank you. I did recieve a threatening letter from Viking a week later, telling me to pay up or else. Around a week after that letter I recieved a letter from Santander stating that my agreement was enforceable and I must pay Viking the money I owe them. Anyway I read through the tiny terms and conditions they sent me and they do have all the prescribed terms only they have sent them seperate from the agreement that I signed. I'm not quite sure if they are from the original agreement I signed but thats up to them to prove. I have been reading up on the uk debt collection laws and found that even if the agreement I signed does have all the prescribed terms the agreement with the signature and the t&c's have to be on the same page if signed before 2007. So I'm going to send them another CAA request this time I've used the template on the forum. So I'll see what happens and If anyone has any advice in the meantime, I'm all ears.

Link to post
Share on other sites

To be honest I've not read through this myself, but it may be of some use to you, I've clearly got it bookmarked for some reason?

 

Store Cards Market Investigation - Google Books

 

Once you have sent them the CCA request, thats it, no need to keep firing them off to any and every DCA that may buy the debt at a later date.

Keep us informed, and if they respond with it within the time limit or not.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

I've taken another good look *with a magnifying glass* through the seperate Credit Agreement and the Terms and Conditions and it does seem to have all the pescribed terms. They are just seperate from eachother.

 

* On the front of the credit agreement it has a logo on the top saying that it is an Original.

 

* It has a heading in the pescribed form giving the nature of the agreement (Schedule 1).

 

Credit Card Agreement regulated by the Consumer Credit Act 1974.

 

* The name and adress of both the debtor and the creditor (Schedule 1).

 

* Financial Information (Schedule 1).

 

Repayments, Rate of Interest and the Credit Limit.

 

The Rate of Interest and the Credit Limit is on the Credit Agreement the Repayments are in the Terms and Conditions.

 

* It has a statement of your rights (Schedule 2).

 

YOUR RIGHT TO CANCEL.

Once you have signed this agreement, you will have a short time in which you can cancel it.

 

* It has a signature box in the pescribed form (Schedule 5 ).

 

Signed by me.

 

This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by it's terms.

 

Signature (s) of Debtor (s)

 

Date (s) of Signature (s)

 

Anyway it a looks legally enforceable to me. As I say the Credit Agreement and the Terms and Conditions are seperate.

 

To be quite honest it has all gone to far now and I can't afford to pay the full ammount that Viking Collection LTD want from me. So I'm not quite sure what to do now. Should I write anymore letters to them? Or should I start negotiating payment with them. Thanks for all your help.

Link to post
Share on other sites

Hi, Nicola.

 

Are there any charges you could re-claim ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

What I mean is I can't afford to pay the £850 that Viking want. I've tried negotiating and they are having none of it. It's the full ammount or nothing. So I'm not quite sure where I stand. Should I expect Court papers?

Link to post
Share on other sites

You've made an offer, it's up to them whether they accept it or not. Make it clear that it's all they're going to get. You pay what you can afford, not what they say. I wouldn't worry over much about court, it's pretty rare.

 

Is there no way that you can get access to a scanner? It's quite possible that there are all kinds of things wrong with the agreement, but we need to have a look.

Link to post
Share on other sites

I've had a good look through other peoples Credit Agreements and I've noticed that on my Credit Agreement on the left hand side of my signature

 

The writing says:

 

Financial Details

The Financial and related particulars shall be set out in Section 7 of the terms and conditions on the back of this agreement. The inital rates of interest and APR will be set out in the highlighted section of the table at section 7.1 we may, however review the facilities with the card and at our disscretion, we may change the rate of interest (and APR) to those indicated in one of the other rows of this table.

 

In other peoples Credit Agreements it has the pescribed terms under KEY FINANCIAL INFORMATION within the signed agreement.

 

In my Credit agreement the pescribed terms like the repayments are under section 7 of the terms and conditions and not within the signed agreement. Neither is The right to cancel box or the your rights box.

 

Can anyone shed some light on this or is it still correct to have them in the terms and conditions?

Link to post
Share on other sites

I've also noticed just above my signature on my Credit Agreement which confuses me. It says:

 

You also confirm that all the details you have given to us are true and complete, that you are 18 years of age or over and that the details may be verified.

BY SIGNING THIS APPLICATION FORM YOU CONFIRM THAT IT HAS BEEN COMPLETED AND SIGNED BY YOU IN A DEBENHAMS STORE.

 

I thought it was a Credit Agreement I was signing but on reading that it says to me that all I have signed is an application form. Now I'm confused.

Link to post
Share on other sites

I would if I could I don't have a scanner and I don't know anyone else who does either.

 

I took the picture with my mobile phone camera and it does not have macro mode. I don't own a digital camera either. So I'm pretty much stuck. Thanks for your opinion though.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...