Direct Line, can I get it written off? help pls

[rosina77]

Hello everyone,

 

This loan was taken out in 2002.

 

I have attached a copy of the agreement and terms and condtions that they have sent.

 

 

Direct line Terms and conditions picture by rosina77 - Photobucket

 

Direct Line Agreement form picture by rosina77 - Photobucket

 

Please can anyone advise me what I do now and do you think it is enforceable?

 

Many thanks:)

[Pinky69]

Are you sure it was 2002? I am sure you are sure! Where did you get this agreement from? The reason I ask is that the format of this agreement didn't come into existence until after the CCA 2006! I also find it strange that in the dates at the bottom, both have the year numbers joined together with a loop.

[berrylover]

Agreed and it doesn't look like 2002, more like 2007. Hmmmm strange.

[rosina77]

I have just check and you are both right. Ops sorry.

 

Maybe I should change my glasses Lol

 

It was taken out in March 2007

 

Does this mean it would be enforacable?

[rosina77]

Are you sure it was 2002? I am sure you are sure! Where did you get this agreement from? The reason I ask is that the format of this agreement didn't come into existence until after the CCA 2006! I also find it strange that in the dates at the bottom, both have the year numbers joined together with a loop.

 

Hi Pinky69,

 

Thank you for your reply, as I said yes you are right it is not a 2002 agreement on closer inspection of the date it is March 2007.

 

I have read somewhere that the unenforcable agreements were all changed from the 6th of April 2007 (this agreement is only just before then)

 

Do you know if this agreement is enforceable ?

 

Many thanks

Rosina 77

[Pinky69]

It is one of the new type of agreements and has all the required prescribed terms abd your signature. In my view this would be enforceable.

[fuzzybobble]

In the agreement you have left some personal info still showing. Best to remove it, as you never know which pondlilfe banks and DCA's might be viewing.

[rosina77]

Thank you for your replys, I will let my friend know this is the new agreement so it is enforcable and will continue with my other thread about his credit card with HSBC as soon as I get the details. Maybe he will have better luck with that, I think so as the agreement was cancelled.

 

Once again thank you all so much.