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alfied

No signature on CCA-what should I do next

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Hi all,

 

My friend has a credit card with Vanquis. I recently sent off a request for the CCA on his behalf, and he received a reply today. There is no signature or date on the agreement.

 

What should I advise him to do next.

 

Regards

 

Martin

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Hi,

 

I have scanned the page in question.

 

Do I need to scan anything else.

 

Thanks in advance.

 

Martin

signature page.jpg

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No signature or date = unenforcable, however i agree with cds, post it on here so we can have a look, blank out personal details.

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I cannot enlarge it enough to read it.

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Hi,

 

So, should the next step be to send them a letter given them another opportunity to send a signed agreement and if not, to close the account. If that is they way forward can somebody guide me to the template letter for this.

 

M

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use "photobucket" to upload the pic its free


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If you strain your eyes you will see there is no signature or datesignaturepage.jpg

Edited by alfied

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sorry, I am rubbish at this - that said, the writing is pretty small on the page.

Edited by alfied

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go to photobucket.com sign up for free account , there is a tutorial on the forums somewhere on how to use photobucket by one of the site team


NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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Hi,

 

So, should the next step be to send them a letter given them another opportunity to send a signed agreement and if not, to close the account. If that is they way forward can somebody guide me to the template letter for this.

 

M

You can't just ask them to close the account in the light of it being unenforceable! The debt still exists! You either make 'em an offer or it sits there for, what, six years?

Edited by FlyboyAgain
Additions

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Thanks for that flyboy. So say for example the debt was £500 you could offer them £300, or the option of leaving the account in dispute until such time the debt is time barred??

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You could if you want offer them a reduced amount as full and final payment, if not and the account was left unpaid, then it would be time barred after 5 years.

Edited by blueda
typing error

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However, if you offer them a reduced payment (as I have done on one account) there is still a noted on your credit file about theagreement/debt not been settled in full. Perhaps someone can expand upon this.

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I have had debts written off by reduced settlements arranged by a debt management company which didnt show on my credit file, you should contact the the former creditor regarding this, in future make sure any such deal includes the creditor to mark the debt as settled in full.

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Thanks for all that folks.

 

So in the letter give them another chance to find the agreement; if they still can't find it, make them an offer, conditional that it is marked as a full and final settlement. If they refuse let the account become time barred.

 

One more question. What % of the full amount would normally be seen as a reasonable offer?

 

Are there any template letters about that would cover that?

 

M

Edited by alfied
additional info

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That's great blue.

 

Really appreciate it.

 

M

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