Connaught/Worst Cretins

[stabradop]

Bump

[stabradop]

Great, now this came through the door and I keep getting calls on my mobile (which I ignore). Sorry I don't know how to make the images bigger but it's a standing order thing along with a threat of doorstep visit.

 

Even though they said on the first call (see previous post) that they have an agreement now - I have still had no sign of it.

Edited October 20, 2009 by stabradop
missed a sentence

[fiftypence]

Just another one for the ignore pile. There's more chance of me visitng you and I don't know where you live, and if they did send someone tell them to sod off, they have NO powers whatsoever.

[stabradop]

Thanks fiftypence

 

Should I send them the harassment by phone letter as well, they have already called twice today.

[fiftypence]

Thanks fiftypence

 

Should I send them the harassment by phone letter as well, they have already called twice today.

 

Definitely!! Put as many obstacles in their way as possible to put the balance of power on your side. Everything in wriing that way they can't lie, they will lie of course but at least you will have the evidence

[stabradop]

Right phone harassment letter sent of with "interesting" signature, wonder if they will try a photoshop trick

[stabradop]

Right now an agreement has come through the door, does it matter that it has turned up 11 months after I CCA'd them?

[diddydicky]

Right now an agreement has come through the door, does it matter that it has turned up 11 months after I CCA'd them?

 

nope, all it means is that what they have charged you for during that period or any enforcement action taken during that period is unalwful

[babybear39]

Can you scan and post it here minus personal details please?

[stabradop]

I will scan it in later, one thing is that the address on the CCA wasn't where I was living and although the signature is similar to mine it isn't the same

[diddydicky]

Just as a matter of interest who was the original creditor

 

if you get a minute ODC i would appreciate your comment s on my thread

 

Nationwide- Next Step?

 

thanks

 

dick

[stabradop]

Right, here's the agreement edited, if anyone has probs let me know and I will try to save it in a different format

[stabradop]

Bump

[babybear39]

Can't read them sorry. Can you upload them to photobucket (it's free), copy and paste each page IMG link in the picture icon on here.

[stabradop]

Here's the link to photobucket

 

1stcdt29octltr picture by stabradop - Photobucket

 

1stcdt29octag1 picture by stabradop - Photobucket

 

1stcdt29octag2 picture by stabradop - Photobucket

Edited October 31, 2009 by stabradop

[babybear39]

Image hosting, free photo sharing & video sharing at Photobucket

[stabradop]

Done as above

[babybear39]

Ok, there is nothing linking these ilegible items. If that's as good as they get then they're not valid to to being ilegible. The first page of the alleged CCA has 'page 3 of 6' at the bottom but the second page has no numbering. Where's pages 1, 2, 4, 5 & 6? The T & Cs page could relate to anything!

 

Send then the account in dispute letter adding that what they sent you isn't linked and is ilegible!

[stabradop]

Thanks for the reply

 

They all came together in the same envelope, obviously I removed the personal details and the signatures for security reasons. Additionally the address on the agreement was one I had left 9 months previously and the signature wasn't the one I use on personal documents.

Edited October 31, 2009 by stabradop
divvy spelling

[babybear39]

Can you proove it's not your signature ie with driver's licence or passport signature?

[stabradop]

Yes, once I get my driving licence back from elsewhere, it is markedly different. The siggy on the agreement is very similar to the one I used to use on work reports and in any case the address was an old one, not too sure how that came about

[diddydicky]

Yes, once I get my driving licence back from elsewhere, it is markedly different. The siggy on the agreement is very similar to the one I used to use on work reports and in any case the address was an old one, not too sure how that came about

 

An argument that "this is not my signature" is as old as the hills and most opponents will assume that any such protest is an attempt to deny responsibility for whatever the signature is for

 

the only way to make the other side sit up and take notice of your protest (and therefore obviously you must be 101% sure that the signature referred to is NOT yours) is to suggest that if they doubt the seriousness of your proposition you intend, should they proceed to litigate, to send the document for independent forensic examination.

 

You would point out that this procedure is expensive, but such is your certainty that this signature is a forgery that if they are not prepared to accept this as not being your signature , that you are prepared to stand these costs in the sure and certain knowledge that you can reclaim these costs from them

 

i had this situation once in a commercial contract and the other side withdrew PDQ

[stabradop]

Thanks for the response. One question I have is would HFC/1st Cretins have the "original" available or would it have become "lost"?

Edited November 3, 2009 by stabradop

[stabradop]

Bump

[bigegg]

The only way to be certain is by using a CPR 31.16 (?) request. - see the sticky "why using CCA request might not be best way"