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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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Meerkat's MIL vs EGG, Agreement signed yrs after initial app


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Hi,

 

Just a quick question - MIL received a copy of a credit agreement for egg.

 

Seems to be a bit 'hashed' together. However, her signature is dated with 10/05/08, even though all the printed dates are in 2005 when the card was taken out. She doesn't recall signing anything in May 2008, for them to have 'lifted' a signature from in order to piece together a document. In fact, she does not recall signing anything for a few years with Egg so it is a mystery.

 

Can anyone shed any light on whether this agreement is enforceable given that the signature date on her credit agreement is years after the initial application?

 

Thanks in advance,

 

Meerkatsmimm--

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I would write and ask them to explain the discrepancy - tell them that the agreement cannot possibly be enforceable if they have falsified it, in fac they will have commited an offence and you will repoirt it to the relevant authorities.

 

 

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Hi Steven,

 

This is my thoughts, however what if there was another scenario.

 

What if my MIL made the mistake when signing and they let this slip through? Not saying this is the case (she doesnt remember), but what if they let a date on a signature slip through when they were checking compliance of signed agreements recieved back?

 

Can they enforce this either way?

 

Can she demand repayment of all monies paid to Egg up until that date in 2008, as technically there was no agreement until this time?

 

I dont want to accuse them of falsifying it, as obviously we just cant be sure. Either way though what is her next move?

 

Hers was also one of the terminated agreements last Feb. and her signature on her agreement is dated 3 months after this. Surely this to means that the agreement has no meaning?

 

Thanks for the advice, I just couldnt find anything like this elsewhere!

 

meerkat x

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Thanks Steven,

 

Can we legally place the account in dispute?

 

Want to stop making payments on this but my MIL cant afford to have her Credit history destroyed in the process as she was hoping to move in the next 12 months.

 

In your opinion what would I expect to get back as a response to asking for an explanation and what can they do to enforce this agreement?

 

Thanks,

 

meerkat x

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