cahoot / abbey loan HHHHHHHHHHELP

[janice514]

hello there again

 

well received an agreement this morning dated 27 11 2001, unsure if the signature is mine? but is signed was long time ago,

 

STATES ON TOP CONSUMER CREDIT ACT 1974

BUT IN PEN SCRIBBLED OUT UNDERNEATH IS NO ID DUPLCA SETUP UNSURE WHAT THIS MEANS.

 

what do i do now????? please help dont want to contact them they say in letter giving me 10 days for proposal of settlement.

 

helllllllllllllllllllllp j

[janice514]

hello there again

 

well received an agreement this morning dated 27 11 2001, unsure if the signature is mine? but is signed was long time ago,

 

STATES ON TOP CONSUMER CREDIT ACT 1974

BUT IN PEN SCRIBBLED OUT UNDERNEATH IS NO ID DUPLCA SETUP UNSURE WHAT THIS MEANS.

 

what do i do now????? please help dont want to contact them they say in letter giving me 10 days for proposal of settlement.

 

helllllllllllllllllllllp j

 

ps not stat barred as shows i made 1 payment a few years ago???? what do i do now

[cerberusalert]

Can you scan it, remove any identifying details & post it up for us to check it out?

[janice514]

my scanner not working ahhhhhhhhhhhhhhh have tried and tried it looks pretty legit to me to be honest i will type some for you

 

credit agreement regulated by the consumer credit act 1974

 

 

customerXXXXXXXXXXXXX

 

this agreement together with the cahoot account terms and conditions, a copy of which are enclosed sets out the terms and conditions on which we agree to open a cahoot flexible loan for you, the main financial details of the cahoot flexible loan are set out below

 

we are the initial creditor and ANCL will become the creditor under the terms of this agreement only if substituted as provided for below, unless and until substitution takes place all correspondence must be addressed and sent to us at the address shown above.

 

Once substitution has taken place all correspondence must be addressed to ANCL and all references to cahoot in this agreement in the cahoot account terms and conditions will refer to ANCL

 

credit limit

 

we will tell you from time to time what your flexible loan limit is

 

INTEREST RATES AND APRS

 

the interest rate for withdrawals and balance transfers is a monthly rate of 0.8733%

 

The APR for withdrawals and balance transfer is 11% (variable)

 

The APR is calculated on an assumed credit limit of 100.00

 

repayments

 

each month on or before the payment date you have chosen you must pay at least the minium payment set out in your cahoot flexible loan statment the minimum payment will be the greater of

 

& 50 or the full loan balance if less than 50.00

1.75 % of the flexible loan balance

 

the payment date is the day which falls 15 days after each statment date on or before which we must have received the minimum payment under the cahoot account terms and conditions the statment date is the date set out on your cahoot flexible loan statements.

 

variations

 

in calculating the apr we have ignored any changes to the interest rate fees or other changes which we may introduce or vary under the general condition 7 of the cahoot account terms and conditions.

 

substitution of creditor

 

we will give you advance notice of substitution and will confirm to you when this has taken place

Upon signature of this agreement by ancl ancl will be substituted in our place we and you shall be released from obligations owed to each other and in respect of your cahoot flexible loan and all monies standing to the credit of your cahoot flexible loan, our respective rights against one another shall be cancelled (the discharge rights and obligations) save as provided by statute. you and ancl shall assume obligations towards each othe rwhich differ from the discharged rights and obligations only insofar as you and ancl have assumed and or acquired the same in place of you and us. this means that any debit balances on your account will be owed to ancl.

 

Any security you have given will continue in force and will become vested in ancl when substitution takes place. For the avoidance of doubt upon substitution ancl may transfer by way of absolute assigment by way of novation or by the way of security any or all of its rights or its rights and responsibilites whether legal or equitable) under this agreement and your legal rights will not be affected.

 

Your signature on this agreemnt constitutes a continuing offer to accept thie substitution of ancl for us you agree that this offer will remain inforce until accepted by ancl or until ancl receives confirmation in writing from you that you hae withdrawn the offer. Such notice must be received by ancl prior to its signing this agreement.

 

data protection statement

 

this statement relates to the information you have given in the online application form and to any other information which you provide or have already provided to us or which we hold on you from time to time

 

bla bla bal

 

do you want me to type all this bit for you???

 

then at bottom has signature and dated 1 dec 2001/ unsure if my signature but it does change through the years doesnt it.

 

hope you can help

 

 

feel quite ill to be honest what do i do next hellllllllllllp

[janice514]

my scanner not working ahhhhhhhhhhhhhhh have tried and tried it looks pretty legit to me to be honest i will type some for you

 

credit agreement regulated by the consumer credit act 1974

 

 

customerXXXXXXXXXXXXX

 

this agreement together with the cahoot account terms and conditions, a copy of which are enclosed sets out the terms and conditions on which we agree to open a cahoot flexible loan for you, the main financial details of the cahoot flexible loan are set out below

 

we are the initial creditor and ANCL will become the creditor under the terms of this agreement only if substituted as provided for below, unless and until substitution takes place all correspondence must be addressed and sent to us at the address shown above.

 

Once substitution has taken place all correspondence must be addressed to ANCL and all references to cahoot in this agreement in the cahoot account terms and conditions will refer to ANCL

 

credit limit

 

we will tell you from time to time what your flexible loan limit is

 

INTEREST RATES AND APRS

 

the interest rate for withdrawals and balance transfers is a monthly rate of 0.8733%

 

The APR for withdrawals and balance transfer is 11% (variable)

 

The APR is calculated on an assumed credit limit of 100.00

 

repayments

 

each month on or before the payment date you have chosen you must pay at least the minium payment set out in your cahoot flexible loan statment the minimum payment will be the greater of

 

& 50 or the full loan balance if less than 50.00

1.75 % of the flexible loan balance

 

the payment date is the day which falls 15 days after each statment date on or before which we must have received the minimum payment under the cahoot account terms and conditions the statment date is the date set out on your cahoot flexible loan statements.

 

variations

 

in calculating the apr we have ignored any changes to the interest rate fees or other changes which we may introduce or vary under the general condition 7 of the cahoot account terms and conditions.

 

substitution of creditor

 

we will give you advance notice of substitution and will confirm to you when this has taken place

Upon signature of this agreement by ancl ancl will be substituted in our place we and you shall be released from obligations owed to each other and in respect of your cahoot flexible loan and all monies standing to the credit of your cahoot flexible loan, our respective rights against one another shall be cancelled (the discharge rights and obligations) save as provided by statute. you and ancl shall assume obligations towards each othe rwhich differ from the discharged rights and obligations only insofar as you and ancl have assumed and or acquired the same in place of you and us. this means that any debit balances on your account will be owed to ancl.

 

Any security you have given will continue in force and will become vested in ancl when substitution takes place. For the avoidance of doubt upon substitution ancl may transfer by way of absolute assigment by way of novation or by the way of security any or all of its rights or its rights and responsibilites whether legal or equitable) under this agreement and your legal rights will not be affected.

 

Your signature on this agreemnt constitutes a continuing offer to accept thie substitution of ancl for us you agree that this offer will remain inforce until accepted by ancl or until ancl receives confirmation in writing from you that you hae withdrawn the offer. Such notice must be received by ancl prior to its signing this agreement.

 

data protection statement

 

this statement relates to the information you have given in the online application form and to any other information which you provide or have already provided to us or which we hold on you from time to time

 

bla bla bal

 

do you want me to type all this bit for you???

 

then at bottom has signature and dated 1 dec 2001/ unsure if my signature but it does change through the years doesnt it.

 

hope you can help

 

 

feel quite ill to be honest what do i do next hellllllllllllp

 

 

LOOKS LIKE IT WAS AN ONLINE APPLICATION/

[Percival Wigglesbottom]

When you say it is not statute barred because you made a payment to them 4 years ago , you are saying this due to your own recollections , or they have records to show you made that payment, ie you made an SA Request and that payment shows up in their records ?

 

Otherwise it is statute barred if they cannot prove payments were made , not if they actually were or not .

[rev.ian]

Robinson Way have been known to put together a fake agreement and say it is the original, They did it to me however they did not get away with it. I told them I was going to report them to the police and never herd another word from them. Please check it is a copy of an original as that wording seems a bit to precise for 2001.

[janice514]

hello there thankyou all so much sorry for delay just come in from work, looks like original itm but its a photocopy? how will i find out, would cahoot sell a debt and paperwork to collection agency???? stuck what do i do next

x

 

need to scan it in

 

ahhhhhhhhhhhhhhh

[janice514]

hello there thankyou all so much sorry for delay just come in from work, looks like original itm but its a photocopy? how will i find out, would cahoot sell a debt and paperwork to collection agency???? stuck what do i do next

x

 

need to scan it in

 

ahhhhhhhhhhhhhhh

 

IT LOOK REAL BUT WAS INTERNET APPLICATION???????????

[janice514]

Did get breakdown of amount from cahoot a while ago, they did give me the date of the payment i had made, they had harrassed me so much i made one payment, so sorry now that i did that.

 

guuuuuuuuuuuutted

[janice514]

Did get breakdown of amount from cahoot a while ago, they did give me the date of the payment i had made, they had harrassed me so much i made one payment, so sorry now that i did that.

 

guuuuuuuuuuuutted

did make an sar and they just give me a date on letter that payment was made statue barred should be from when loan taken shouldnt it??? this is an 8 yr old debt,

[cerberusalert]

If you have a digital camera can you take pictures of it using 'macro mode', remove identifying details and post it up?

 

The clock starts ticking towards statute barred from the date of last payment, there must be a clear 6 years and no written admission of the debt.

[janice514]

will try with the camera in a bit, worth i try good thinking xxx

 

try post up later

 

j x

 

pulling my hair out, you know when you just feel like throwing the towel in lol keeeeeeeeeeeeeeeeep fighting eh

[janice514]

will try with the camera in a bit, worth i try good thinking xxx

 

try post up later

 

j x

 

pulling my hair out, you know when you just feel like throwing the towel in lol keeeeeeeeeeeeeeeeep fighting eh

 

Why have they kept aggreeement for 8 years? are they allowed to pass date on to dca

[janice514]

hello there i have taken a picture and added on as attachment hope you can view it, if so will add a few more.

 

what do i do next do i dispute it?

 

j x

[cerberusalert]

Yes the pic is fine, can you upload the rest?

[janice514]

oh thankyou will get on it now. its taken me this long sorting this out lol, been driving me mad

 

wont be long x

[janice514]

taking ages to upload them dont know if its something im doing lol or not doing xx will keep trying

 

from what you can see far what do you think x

[cerberusalert]

There's no way of telling with just a quarter of a page.

 

If you use the 'macro mode' setting on the camera you can take a picture of the full page.

[janice514]

hiya am trying to upload them but for some reason wont let me, will keep trying but got to go to work soon:-x so frustrated.

 

can i e mail them to you?????

 

leaving for work in about half hour

 

j x

 

just worried dont know what to do next

[cerberusalert]

If you upload them to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting and then copy & paste the URL back here. Don't try to use the HTML features on this page, just copy the link into your post as normal.

[janice514]

here goes at last i got there.

[janice514]

yeeeeeeeeeeeeeeeeeeeeeeeeeeeeees i did it round of applause please lol, hope you can see it know its not really really clear, but wanted you just to see the document really hope you can help me further

 

 

what do i do next reallllllllllllllly stuck

 

 

j x

[cerberusalert]

Can you take a picture of the whole pages using 'macro mode' ?

[janice514]

just found that letter snt to me regarding stat barr/ says

 

agency credit # 13 may 2006

agency credit 17 june 2006

 

agency credit 15 july 2006

 

does this mean i paid a debt collector the last payment but does not say who i paid?????

 

trying micro mode now