Is is it the print under the signatures that is unreadable

the requirement is that it should be easily legible.

The print both above and under are totally unreadable.

DX... Is this now unenforceable in a county court ? Should I write back to them quoting that they are outside the permitted time scale ?

I will get that CRA.

The time scale is irelevent now.

If the section that is unreadable is

of material importance to the contract

the agreement does not comply.

Can you sacn and post up a suitablly redacted

copy so we can check it out.

Ok attached is the CCA sent to me I have obviously taken out all identifiable information.

cca link scan.doc

Hi is that the general quality of the agreement imo

it is not esily legible.

Your first attachment is too small to read.

Hi Brigadier,

Yes that is the quality , a very very poor photo copy, am I right in saying that they still have to produce an original copy in court ?

Can you tell me why The time scale is irrelevant now ? I am very confused about this 12 + 2 days rule ?

When you make a request under CCA 1974 the creditor/DDCA has 12 + 2

working days to comply to allow for receipt of the request and postage.

There is no real penalties now for non compliance so that point is not

much good anymore.

They have now supplied an ''agreement'' there as said no penalties that

are now relevent to this.

You should I think be looking at if the supplied document complies

imo it does not because it is not easily legible in all sections.

You can now place the account in dispute because of this.

Thanks Brigadier.

Basically then , even though that CCA photocopy is illegible, all they have to do if I object to it, is send a reconstituted copy of the terms and conditions relevant at the time ?

Our only option is to continue to pay them monthly and ignore their constant requests for an I&E to be completed and their lies about non payments.

Seems that they have produced a valid credit agreement for a very old debt and shot me up the backside !

scan the required letters/agreements/sheets

as a picture[jpg] file

or convert them to .PDF

ENSURE:remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx

Thanks Brigadier.

Basically then , even though that CCA photocopy is illegible, all they have to do if I object to it, is send a reconstituted copy of the terms and conditions relevant at the time ?

Our only option is to continue to pay them monthly and ignore their constant requests for an I&E to be completed and their lies about non payments.

Seems that they have produced a valid credit agreement for a very old debt and shot me up the backside !

I think if they tried to submit a recon on the back of what they have supplied they would

come unstuck.

Refresh my memory please when was the account opened?

When was it defaulted?

When was the last payment or acknowledgment in writting

made>

1993, defaulted in 1998 sold by Barclay card to Link in 1998

Last payment was made Feb this year so its not SB.

Link started playing Billy Suggers after all this time and continually harassed us for an I&E to be completed.

We refused, so they started writing to us to say that payments had not be received ( we have the bank statements to prove they cashed the cheques we have never missed a payment ) and that we had refused to contact them ( again lies ) So I hit them with this CCA request.

DX100uk Is the .Doc attachment too small to read too ?

1993, defaulted in 2006.

Last payment was made Feb this year so its not SB.

Link started playing Billy Suggers after all this time and continually harassed us for an I&E to be completed.

We refused, so they started writing to us to say that payments had not be received ( we have the bank statements to prove they cashed the cheques we have never missed a payment ) and that we had refused to contact them ( again lies ) So I hit them with this CCA request.

 

DX100uk Is the .Doc attachment too small to read too ?

Dispute that agreement as ilegible.

Hi Everett

For what it's worth I agree with Brig and dx.

I had 2 deliberately illegible CCAs from Egg, placed them in dispute (alongside a host of other complaints) and immediately got offered discounts by 2 or 3 DCAs. A/cs are now with Bob Diamond (who has bigger fish to fry) and my questions to him include tax treatments of accounts as part of querying Assignment.

x

v

Thank you for all your replies it is very much appreciated.

Just got my Wife's CRA from Experian ( credit expert ) This debt is not on there.

Also baffling was some of our debts are showing as satisfied ?? And my Wife's credit score came back as good ?

How do I place the account in dispute ?

Hi satisfied rather than settled could mean the accounts

have been sold on to a debt purchaser.

Thank you for all your replies it is very much appreciated.

Just got my Wife's CRA from Experian ( credit expert ) This debt is not on there.

Also baffling was some of our debts are showing as satisfied ?? And my Wife's credit score came back as good ?

How do I place the account in dispute ?

as post 7 cash cowed by link for all those years.

there was nothing owing in the first place

stop payments bye bye link

dx

as post 7 cash cowed by link for all those years.

 

there was nothing owing in the first place

 

stop payments bye bye link

 

dx

Even though they have sent a CCA ? Surely they could now take this to court ?

I would say they would struggle with that agreement.

Thanks.

What is my next move ?

Stop making payments as suggested by dx100uk or send them an in dispute letter?

Both!!!

Both!!!

Seconded.

I downloaded the document and blew it up as big as I could get it and even then, the clarity was rubbish (I was going to say s***e but I'm far too polite)

Seconded.

 

I downloaded the document and blew it up as big as I could get it and even then, the clarity was rubbish (I was going to say s***e but I'm far too polite)

I was going to say a load of Bowlocks but thought better of it:madgrin:

until reminded it's a load of sh*te:!:

having or not having an agreement means nothing in this case.

dx

let us look at the facts written........

My Wife took on the debt during a time of great distress in her life and agreed to pay it after her divorce.

She thinks it probably dates back to around 1988 ( original credit agreement ) - what do you mean 'took on' - it wasn't her debt? explain.

LINK have acknowledged that they purchased the debt from Barclay's in the early part of 1999. - what was the balance then?

my Wife has been paying without failure to Link every month. - how much has she paid PCM?

A few months ago however they started playing Billy Suggers and writing saying she had broken the terms of her agreement and requesting an I&E

and saying she had not been making payments ect all BS and we can prove that they have cashed the cheques. - so WHERE has the money gone?

1993, defaulted in 1998 sold by Barclay card to Link in 1998

Last payment was made Feb this year so its not SB.

Link started playing Billy Suggers after all this time and continually harassed us for an I&E to be completed.

We refused, so they started writing to us to say that payments had not be received

( we have the bank statements to prove they cashed the cheques we have never missed a payment )

and that we had refused to contact them ( again lies ) So I hit them with this CCA request.

dx

let us look at the facts written........

 

My Wife took on the debt during a time of great distress in her life and agreed to pay it after her divorce.

She thinks it probably dates back to around 1988 ( original credit agreement ) - what do you mean 'took on' - it wasn't her debt? explain.

 

LINK have acknowledged that they purchased the debt from Barclay's in the early part of 1999. - what was the balance then?

my Wife has been paying without failure to Link every month. - how much has she paid PCM?

A few months ago however they started playing Billy Suggers and writing saying she had broken the terms of her agreement and requesting an I&E

and saying she had not been making payments ect all BS and we can prove that they have cashed the cheques. - so WHERE has the money gone?

 

1993, defaulted in 1998 sold by Barclay card to Link in 1998

Last payment was made Feb this year so its not SB.

 

Link started playing Billy Suggers after all this time and continually harassed us for an I&E to be completed.

We refused, so they started writing to us to say that payments had not be received

( we have the bank statements to prove they cashed the cheques we have never missed a payment )

and that we had refused to contact them ( again lies ) So I hit them with this CCA request.

 

dx

Ignore the first part, its not the debt that we thought it was.

Dont know what the balance was at this moment in time ?

She`s been paying £5 a month.

So just where has the money gone ?