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
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hiya... I'm new, so bare with me. I bought a renault clio a couple of years ago on HP and when I asked them to send me a copy of my HP agreement they said that they didn't have it as they had relocated to different offices. I argued with them that I then didn't have a legal agreement with them, and they sent me a copy of 'my' HP agreement, however... the signature on their copy of the agreement is not a carbon copy of the signature on my original. I asked them to send me another copy of my agreement.... and they sent yet another different version of my signature. For the last year I have had my case with a company called Cartel who assured me that they would be able to recover the money that I had spent on the car so far. After a year they have now said that they dont cover cases of fraud, only the wording in the agreement so could not assist me further. The police dont deal with consumer matters. Can anyone tell me if there is any legal reason why the signatures on the finance company's agreement is different from my copy of the agreement. Sorry for the long winded thread! any help appreciated, I'm at my wits end.
Send them a proper cca request with a £1 payment (max they can charge) by recorded deliver using the template below.
Your Address
Date
Dear Sir/Madam
Re:− Account/Reference Number 4563210025897412
This letter is a formal request pursuant to s.77(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.
I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.79 will apply.
I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.
If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.
Dubious website businesses Conterfeit alcohol and cigarettes Illegal sales of alcohol, tobacco, knives & fireworks to children Cowboy builders or tradesmen Car clockers Counterfeiters Aggressive selling
Never phone or accept phonecalls from debt collection companies.
If you don't believe you can win, there is no point in getting out of bed.
_________________________ ________________ _________________________ ___________________
RCI finance (Renault) are saying that so long as I have a copy of my HP agreement then the fact that my signature has been forged on their copy is irrelevant. That cant be legal surely??????
That would be interesting if you maintain there is no such agreement. When they then proceed to court to sue you, it is they who must produce any and all documentation to support their claim.
So I can see it going something like this in court;
Judge to you - Do you admit there is a contract?
You - No
Judge to RCI - Do you have a signed contract?
RCI - Yes, here it is
Judge to RCI - Give me the contract
Judge to you - Did you sign this? Is this your signature?
You - No and No.
Judge to RCI - Who signed this document?
RCI - We did Your Honour.
The completed form must be signed by both parties for the agreement to be properly made or “executed”
Trading Standards wants your help
Dubious website businesses Conterfeit alcohol and cigarettes Illegal sales of alcohol, tobacco, knives & fireworks to children Cowboy builders or tradesmen Car clockers Counterfeiters Aggressive selling
Never phone or accept phonecalls from debt collection companies.
If you don't believe you can win, there is no point in getting out of bed.
_________________________ ________________ _________________________ ___________________
HP Agreement fraud
on their copy of the agreement is not a carbon copy of the signature on my original. I asked them to send me another copy of my agreement.... and they sent yet another different version of my signature. For the last year I have had my case with a company called Cartel who assured me that they would be able to recover the money that I had spent on the car so far. After a year they have now said that they dont cover cases of fraud, only the wording in the agreement so could not assist me further. The police dont deal with consumer matters. Can anyone tell me if there is any legal reason why the signatures on the finance company's agreement is different from my copy of the agreement. Sorry for the long winded thread! any help appreciated, I'm at my wits end.
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