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    • Hi Lolerz Thanks for replying to me, yes I've been ignoring her & will continue to do so. All she keeps saying is they want to come up with an amicable settlement. Keeps saying this to our receptionist she shouldn't be saying this to a receptionist or even me in the first place as they have given no proof of anything no IP addresses noting just keeps saying about an amicable settlement.
    • If a DCA supplies a reconstituted copy of the CCA what would be the next step? It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
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Rway discount on GE PayPal Credit card ive been paying £1PCM for years


davidoneman
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Hi this is my first post so sorry if its in wrong place.

 

any help would be appreciated.

 

hi is this the right one

 

Hi could someone please help i have a copy of my credit agreement but need to know if its enforcable or not it doesnt have my signature on ?

many thanks for any help.

 

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Hi,

Ideally we could do with seeing it. If you can post it up minus any personal details that will help.

 

In the meantime, does the agreement have:

 

The APR

A credit limit or a statement saying one will be set

Repayment terms

 

And how old is the agreement (when did you first take it out)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Am I right in thinking this was taken out online?

 

I still think this may need a signature rather than a printed name

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I have seen online agreements that have a tick in a box which makes it enforceable but with yours, they are asking for a signature so I would think this one is an online one but they then send an agreement for you to sign.

 

It's a difficult one this because lots credit card companies are sending out reconstructions of agreements which leave out certain info (and legally too) because they are either too lazy to go find the original or they don't have it.

 

Without a signature, a court would not be able to enforce it

 

I know that this doesn't help much.

 

Have you tried to SAR them? Just in case, here is the link:

The Consumer Forums - Debt collectors

Letter 11

 

A SAR should get back everything they have including your agreement. If it is the same as above then it's a good bet they don't have your signature.

 

There is also the legal route:

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

Hold fire for more advice. It is a bit quiet at weekends

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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  • 1 year later...

Hi just looking over some of my debt ,

 

 

i had a credit card with paypal which was opened online

 

 

now it got sold to cl finance which i pay a small amount every month ,

 

 

looking at my credit file from equifax

ive noticed it says the account defaulted on 02/2009 ,

 

 

i have just recieved the default notice from cl finance which is dated 14 th december 2009 meaning that it had been defaulted before i got the notice ,

does this make it unenforcable in court ?

many thanks for the help

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nope

 

just a paperwork error

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 5 years later...

hi

ive got a couple of old debts with robinson way ,

one a old credit card

and a old loan ,

 

i sent off cca's years ago and they both had a signed agreement ,

ive been paying £1 a month for the last 4 years or so ,

 

today i got a letter from robinson way saying they are prepaired to accept a lower payment

 

the debt is £3200 they are wanting £700 .

 

I am thinking of sending them a letter offering £200

but was wodering if there is a template to use for making full and final offer .

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there is but why offer a discount?

bet theres more to be had by sending an sar to the OC and reclaiming.

 

 

shame you kept blindly paying

who said the CCA returns were enforceable?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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then must be worth lots more now if they've been charging interest.

what is the debt and who was the OC?

 

 

lets go find your old threads.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi this is the old thread , it was a old paypal credit card done online . ive just looked theres only 4 late payments of £12 not 5 . the interest was stopped in 2009 when i got into a bit of trouble .

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?230969-Help-needed-Enforcable-or-not&p=2559180#post2559180

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i have another account with robinson , it was for a old a&l loan and they have a signed agreement as well

 

 

start a new thread for that one please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi this is the old thread , it was a old paypal credit card done online . ive just looked theres only 4 late payments of £12 not 5 . the interest was stopped in 2009 when i got into a bit of trouble .

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?230969-Help-needed-Enforcable-or-not&p=2559180#post2559180

 

 

who are Rways client, hoist/HPH2 ?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I just abbreviated it

post 19 & 20 please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well ge money that's now satans bank

 

 

anyway

 

 

post 19 and 20 please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yes we know that about cl

 

 

when was the last time you send a cca request?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Send a new CCA request to rways client

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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