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gbutterfly

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About gbutterfly

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  1. The digital signature they are talking about, is that the normal process with a credit card agreement, I thought they send the agreement in the post and you have to sign and return it? Any ideas? How should I respond to them?
  2. Hi everyone, I received help a few months ago from some regarding debt that Cabot Financial were seeking payment for and request CCA's etc. Cut a long story short they never provided copies and never came back to me, but I sent all the letters, chasing them after 12+2 days, 30 days defaults and so on. They sent me a letter yesterday with a load of odd looking copy statements, and no signed credit agreement, still no clues what they are talking about. The letter states: " I can confirm you applied for one of our cards on online application 26th June 206 at that time you wee approved and the account was authorised after 26th June 2006. Please note that the necessary consent would have been given by you at the application stage by agreeing to be bound by the Terms and Conditions. For for further clarification please refer back to the application which clearly states and I quote "Please read the summary box, full terms and conditions and privacy statement before applying". In order to progress with the application any further it would then be necessary for the applicaiton to tick the appropriate boxes. Please be advised that this is a digital signature and not that failure to give your consent in this manner would result in the inability to proceed any further with the application. Given the above, please be advised I am therefore unable to forward you a hard copy of your application. However please find enclosed a copy of the terms and conditions that were initially sent with your welcome park and card. " Can they enforce the debt with this, and am I liable to pay them in light of this? If not, how do I respond to them?! Would appreciate any and all help. Much thanks,
  3. Hi everyone, I received help a few months ago from some regarding debt that Cabot Financial were seeking payment for and request CCA's etc. Cut a long story short they never provided copies and never came back to me, but I sent all the letters, chasing them after 12+2 days, 30 days defaults and so on. They sent me a letter yesterday with a load of odd looking copy statements, and no signed credit agreement, still no clues what they are talking about. The letter states: " I can confirm you applied for one of our cards on online application 26th June 206 at that time you wee approved and the account was authorised after 26th June 2006. Please note that the necessary consent would have been given by you at the application stage by agreeing to be bound by the Terms and Conditions. For for further clarification please refer back to the application which clearly states and I quote "Please read the summary box, full terms and conditions and privacy statement before applying". In order to progress with the application any further it would then be necessary for the applicaiton to tick the appropriate boxes. Please be advised that this is a digital signature and not that failure to give your consent in this manner would result in the inability to proceed any further with the application. Given the above, please be advised I am therefore unable to forward you a hard copy of your application. However please find enclosed a copy of the terms and conditions that were initially sent with your welcome park and card. " Can they enforce the debt with this, and am I liable to pay them in light of this? If not, how do I respond to them?! Would appreciate any and all help. Much thanks,
  4. thanks! what about the monies I have paid them to date, can I expect to get this back or is that never going to happen?
  5. Thanks, I have sent that to them. If they admit they can't locate it, they can't make me pay any more can they? and they will have to remove the defaults?
  6. Thanks for everyones previous assistance with my ongoing debt issues, Credit Account Management have admitted that the default they have placed is unlawful and they will not pursue money from me. Just some general advice needed if at all possible, as all of this is new to me. I have an account which I'm paying for at £20 a month, but when I discovered these things could be challenged I asked them for copies of the credit agreement and default notice, which they still havent been able to get hold of. If they admit they cannot find them, do I still have to keep on paying them at all?
  7. Thanks! I've sent some letters off, see what happens! There's about 5 years to go on the defaults I don't know anything about, so it's a long time for something that isint anything to do with me.
  8. Thanks for all the help guys! What is the CRA, does anyone have an address?
  9. Hi, I have 3 defaults on my credit file, where I have had no contact from the companies in question and don't know anything about the debts, either. Is there any way to get these companies to prove that I am liable, and explain why they have put these defaults on without even asking for payment or warning me in the first place? or is there a letter template I could use? Ideally, I want them removed! I have 3 other defaults, which I have paid completely, is there any way to have these removed now that they have been paid in full? Any help is very welcome and appreciated!
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