Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


Pinky69

Forged signature on termination letter

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4020 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have just been checking the termination notice for a case I am taking to court next week. I have just noticed today it has been typed out and the first paragraph misses out a crucial word " sum".

 

The letter states "The said includes interest......"

 

It should read " The said sum includes interest ......."

 

But even more gobsmacking is this - it has a forged signature.:eek: I have letters from the sender all with the same signature but the signature on this termination notice is typed on using a fancy font and is nothing like the supposed sender's signature.

 

They didn't send me a Default Notice so my thinking for my case is that they terminated an account without a DN (already fleshed out as part of my case) AND the termination notice was a fraudulent document.

 

All views appreciated.

Share this post


Link to post
Share on other sites
I have just been checking the termination notice for a case I am taking to court next week. I have just noticed today it has been typed out and the first paragraph misses out a crucial word " sum".

 

The letter states "The said includes interest......"

 

It should read " The said sum includes interest ......."

 

But even more gobsmacking is this - it has a forged signature.:eek: I have letters from the sender all with the same signature but the signature on this termination notice is typed on using a fancy font and is nothing like the supposed sender's signature.

 

They didn't send me a Default Notice so my thinking for my case is that they terminated an account without a DN (already fleshed out as part of my case) AND the termination notice was a fraudulent document.

 

All views appreciated.

 

Obviously no need to tell you Pinky, but No DN then account has been recinded unlawfully.

 

Was there any mention of a DN in SAR.

 

Save the forged sig for Court.

Share this post


Link to post
Share on other sites

No - no DN as part of the SAR and they stated in an accompanying letter that what they sent (an application form and a couple of letters) is all they have. I have asked them 3 times for a copy of the DN - nothing. That part of the case is already prepared. Why do you say keep the false document for court?

Share this post


Link to post
Share on other sites
No - no DN as part of the SAR and they stated in an accompanying letter that what they sent (an application form and a couple of letters) is all they have. I have asked them 3 times for a copy of the DN - nothing. That part of the case is already prepared. Why do you say keep the false document for court?

 

Only that by the time you get to court, they cannot rectify by sending another.

Share this post


Link to post
Share on other sites

Thank you.

Share this post


Link to post
Share on other sites

Err!

How can they rectify the DN, if the account has been Terminated?

 

AC

Share this post


Link to post
Share on other sites
Err!

How can they rectify the DN, if the account has been Terminated?

 

AC

 

I Think it was the TN that had a forged signature. There was no DN.

Share this post


Link to post
Share on other sites
I Think it was the TN that had a forged signature. There was no DN.

 

So?

 

Cant see how thay can retify, if the account has been terminated;

contract has ended!

 

AC

Share this post


Link to post
Share on other sites
So?

 

Cant see how thay can retify, if the account has been terminated;

contract has ended!

 

AC

 

Maybe just back to my origonal thought then. Save it for a rainy day.

Share this post


Link to post
Share on other sites

A Creditor can Rectify an inneffective DN when the account has not been terminated and then go back; re-issue the DN and Terminated the agreement.

 

But, it is a different matter when the account has been Terminated.

 

AC

Share this post


Link to post
Share on other sites
A Creditor can Rectify an inneffective DN when the account has not been terminated and then go back; re-issue the DN and Terminated the agreement.

 

But, it is a different matter when the account has been Terminated.

 

AC

 

Thanks AC,

 

Is it only a Termination Notice that is accepted as final termination, or does the law recognise additional forms of termination, such as demanding full payment?

 

Vint

Share this post


Link to post
Share on other sites

The account was terminated without a DN, so it is rescinded - it no longer exists. My post was not about that but about the legal significance of a TN that had a forged signature on it. I want to be able to argue that not only did they terminate the account without a DN but the termination notice itself had a forged signature and ......... what? It is further evidence of their total disregard of the law?? How can I use this to my advantage.

Share this post


Link to post
Share on other sites

Makes you wonder why they simply didn't pp the signature :confused:


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Share this post


Link to post
Share on other sites

My thoughts too, Babybear. It seems to be such a stupid thing to have done.

Share this post


Link to post
Share on other sites

They do it!

Had it done to me.

 

AC

Share this post


Link to post
Share on other sites

Some idiot taught DCAs how to use photoshop :rolleyes:


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Share this post


Link to post
Share on other sites

 

But even more gobsmacking is this - it has a forged signature.:eek: I have letters from the sender all with the same signature but the signature on this termination notice is typed on using a fancy font and is nothing like the supposed sender's signature.

.

 

IMO the signature on the TN is irrelevant - I'm not aware of anything in the regs which says that a the TN must be hand signed - I can't see a Judge reading much into it - lets face it when we write to them we don't hand sign our letters - the only issue would be if the creditor denied sending the letter

 

The lack of DN is a much bigger issue


If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

Share this post


Link to post
Share on other sites

This is a mainstream bank. The name is the name of the head of the collections department. Say her name is Jane Smith. It is signed "Jane Smith" but is not her signature. It is in copperplate typing and looks nothing like her signature. Still trying to find out how I can use this to my legal advantage.

Share this post


Link to post
Share on other sites
This is a mainstream bank. The name is the name of the head of the collections department. Say her name is Jane Smith. It is signed "Jane Smith" but is not her signature. It is in copperplate typing and looks nothing like her signature. Still trying to find out how I can use this to my legal advantage.

 

I don't think that you can use it to your advantage - why should the typed signature resemble the actual signature...

 

IMHO it is a point that isn't going anywhere - IMO you need to concentrate on your best points - if you raise it I can't see you getting a lot of sympathy from the Judge


If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

Share this post


Link to post
Share on other sites

Because the signature is not the usual signature of the sender and why would she suddenly type in a signature when every signature I received before that was in manuscript? - she is not a typist. There is no proof of any kind that this letter was authorised by anyone from the bank so it looks as if they have terminated without a DN and without a Termination Notice too.

Share this post


Link to post
Share on other sites

Sorry Pinky, I also do not think that this will work either, since it would have been clear to which account the Notice referred.

 

All that is required by paragraph 1 of Scedule 2 of the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 is a;

"description of the agreement sufficient to identify it"

 

Please note though, if they Terminated the agreement without serving a Default Notice, that Termination will be inneffective.

 

AC

Share this post


Link to post
Share on other sites
Because the signature is not the usual signature of the sender and why would she suddenly type in a signature when every signature I received before that was in manuscript? - she is not a typist. There is no proof of any kind that this letter was authorised by anyone from the bank so it looks as if they have terminated without a DN and without a Termination Notice too.

 

I would suggest that it is in your interest not to question the TN - it may be that their IT Department has now set their system up so that it produces documents with typed signatures


If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

Share this post


Link to post
Share on other sites
Because the signature is not the usual signature of the sender and why would she suddenly type in a signature when every signature I received before that was in manuscript? - she is not a typist. There is no proof of any kind that this letter was authorised by anyone from the bank so it looks as if they have terminated without a DN and without a Termination Notice too.

 

Pinky

 

I would not like to argue "looks as if" in a junior school debate, let alone a court of law.

 

Did they or did they not?

 

Can you prove or disprove it?

 

If yes or no, does it help your case?

 

This intended to be constructive not negative.

 

Vdr

Share this post


Link to post
Share on other sites

Well, thanks for all your opinions. By the way Angrycat, they HAVE terminated without a DN - that's not ineffective termination, that's unlawful rescission, a breach of CCA 1974 87 (1) - they cannot terminate without serving a DN first.

Share this post


Link to post
Share on other sites

Never ceases to amaze me how dumb these money grabbers are. Good thing is they have come up against someone with something between the ears, apart from sawdust. Hope they turn up and shrival.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...