These accounts have been opened yet no signed credit agreement. They have now registered defaults against my name. I have requested an original copy of THE SIGNED AGREEMENT but yet nothing. Please see below a letter i have sent. PLEASE NOTE I ONLY PAID THESE AS I THOUGHT IT WOULD HELP. I WAS ONLY AWARE OF THIS AS THEY PUT THE DEFAULTS ON! I requested a copy of my original signed credit agreement > from these people, yet i have not recieved anything. > > These companies are a fraud they all trade under different names and > pretend that they are not linked in anyway. One sells the debt to > another yet some have the same account/sort code numbers. > > I need help to get this sorted out as this shouldn't be allowed to > happen. These people shouldn't be able to open a credit account > WITHOUT providing the relevant credit agreement. This is a FRAUD! > > I am again going to write to these people as it is a fraud. THIS > SHOULDN't BE ALLOWED TO HAPPEN. > > I AM WRITING TO THE FINANCIAL OMBUDSMAN AS THIS IS AFFECTING MY LIFE > LET ALONE MY CREDIT SCORE/HISTORY. > > SOMETHING NEEDS TO BE DONE! > > I will write to all concerned again: > > You must supply me with a true copy of the alleged agreement you refer > to. This is my right under your obligation to supply a copy of the > agreement under the legislation contained within s.78 (1) Consumer > Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also > extends to providing a full statement of account. > > Non-compliance with my request is a criminal offence under the above > Act and will result in a report being submitted to the relevant > statutory authorities. As you are aware, a credit agreement that is > not properly documented and signed by the customer is totally > unenforceable under the CCA and therefore is a complete defence to any > court claim that is issued. HELP ME AS I NEED TO TAKE THESE PEOPLE TO COURT AS OBTAINING CREDIT IS IMPOSSIBLE AT THE MOMENT. I THOUGHT IF I PAID THEM WHICH I HAVE DONE IT WOULD HELP ME OBTAIN CREDIT AS IT SAYS SATISFIED ON MY ACCOUNT. THESE PEOPLE ARE A FRAUD BE AWARE.