The bits that I really dont think are right are that there are no dates next to either of the signatures. And Not in the larger section here, but further up the agreement it says that you agree to the terms below and overleaf. We have not been sent the "overleaf" part that it refers to. Should they have sent this?

No problems, the picture below (hopefully) is a larger copy of that section. This is exactly the quality that we have been sent.

Hi everyone, I am really sorry for all the problems seeing the agreement. I have made a photobucket account and put it there, so hopefully should be ok now!! Fingers crosses.

Hi, I dont know why it was not showing up. It should hopefully be showing up ok now.

I am very much intrigued by this........ If a creditor wanted to request that a Judgement be entered against someone, then they must prove that the debt exists and is owed by you. If they cannot supply a Credit Agreement with your signature on it, then how can they prove that you owe the money?? Or am I missing something??

Hi there everyone, I am trying to help some of my realatives with some ongoing issues and we have sent of a number of CCA requests. We have recieved back a rather snotty letter from this lot along with the agreement below. I wonder if any one with some good knowledge of this area could offer some advice as to whether or not this agreement is enforceable. This copy was sent to us along with loads of previous statements. However, this is the only document sent relating to this agreement. I notice that where it gives the address of the credit company, it refers to terms set out below and overleaf. We have not recieved any other terms etc, just this copy. I also not that there does not appear, to me, to be a single complete date on this form...... does this make any difference?? Any advice would be very much appreciated. The copy sent is:

hi there, Ive read through the letter and have placed a copy below. As I first thought, this is just a scare tactic to try and force a vulnerable person to pay money that they can ill-afford. it says "may" etc. I wasnt sure until i had her copy me the letter. i think this is disgusting that even though they have acklowledged her cca request, and indeed confirmed that they have made the request, they continue to harrass her.

aha, I see. I will fire off a letter of complaint to her first thing in the mornign then. Thanks for the advice.

Sorry to sound really stupid, but...... who is Hayley Felton???

Hi there evryone, thanks for all the help last time. This has moved forward slightly and I could do with some further help if possible please. I sent them (Robinson Way & Co) a letter just reminding them that they have to follow the CCA - as was suggested that I do. My sister then got a reply saying that they had asked their client for the credit agreement etc. That was all about 2 weeks ago. Today, my sister has had a letter from them stating that they are commencing court proceedings unless she contacts them by Sunday. I think that this is just one of their standard "mail merge" letters, but just wondered what I should be doing next. I know that they would need to produce these documents if they did go to court but if we were to defend the case (on the basis of non-complience with CCA) would the judge likely award costs against my sister?? The debt is only for £400 or something like that!!! Any advice on what action we should be taking now would be gratefully recieved. Thanks.

hi everyone, out of interest, do you know what date in 2006 it was made that you didnt need any signatures anymore??

Hi everybody! Thanks for the advice. I have looked at your thread (12 days etc) and it was really helpful! I have adapted one of the letters in there to suit my situation and that will be in the post today!! i am not prepared to accept a compnany that will ignore the law and bully people into submission!!

Hi everybody, this is my first post and I need some advice if possible please? My sister has had a letter from a company called Robinson Way Ltd, who are a Debt Collection Agency, who are chasing her for an debt from about 4 years ago that she does not remember ever having. She had a telephone call from a gent from this company, who was a real bully and would not listen to her. In the end, she asked them to speak to me, and he again tried to bully me, so I calmly explained that I was aware of the CCA etc, and that a request would be in the post. I told her to send a CCA1974 letter, with £1. She did this last Saturday, and on Monday, she had another call so again, I took the phone and told the man on the other end that this request has been sent, along with payment etc. He said he would action the request. Today, she has had a letter from them, showing that they have credited the £1 to the account, but still demanding the money. Please can anyone offer some advice as to what she should do next? Many Thanks.