capital one want me to sign all letters i send them.

[desigaand]

i sent capital one this letter.

 

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

Dear Sir/Madam

Re:- Account/Reference Number ********************

We are writing to inform you that we are seeking advice and assistance regarding our current financial

difficulties.

To this end, we would appreciate if you could hold any action on the above account for a period of at least 28

days.

Also, during this period, could you please freeze interest and/or any other charges accruing on the above

account.

We look forward to hearing from you as soon as possible.

Yours faithfully

Mr A N Other

[desigaand]

they replied.

 

 

 

 

[desigaand]

what should i do start signing my letters,i believe they dont have my signature.on the credit card agreement.

[cerberusalert]

If you believe they don't have your signature they will have nothing to compare it to so get someone else to sign for you, preferably someone who writes with the opposite hand to you and include a CCA request too to see whether they have an enforceable agreement in place.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

[thecteam]

im not 100% sure on this but im sure it is illegal to force you to sign your signature.

when stopped by traffic police and given a 7 day wonder, they can ask you to sign to say they have given you it. but you can refuse to sign it. they cant take no further action to force you to sign it.

 

surely if the law cant force you to sign it, a Bank, Credit Card, DCA has no chance of forcing this issue.

 

i might be wrong just something i picked up in my life. i have refused to sign a 7 day wonder nothing was done to me.

[Guest wino]

I write my name on letters. I don't use my signature.

Have you seen this

 

The Consumer Forums - Announcements in Forum : Welcome to the Consumer Forums

[Conniff]

Just do a kids scribble the same as Mr G Robinson has done.

[TheInspector]

I've been informed recently by a solicitor that they ask you to sign, so they can copy your signature onto an agreement, because they don't have a signed copy, which I gather makes it an unenforceable agreement.

[MARTIN3030]

This is known to have happened yes.

[MARKWHEETY]

Or just send a copy of a utility bill - you would only have access to this if you were the person you say were.

[MARTIN3030]

Yes a copy of a utility bill which proves address,and a copy of something which proves name such as driving licence,passport etc-with your sig blocked out.

Just tell them that you consider these acceptable for the purpose of validation,and that you have no requirement to provide your sig.

If they still insist that you do-then ask them to provide you with proof that this IS a requirement,and on what legal grounds they demand it.

I would also remind them of their obligations under the banking codes,which require them to deal sympathetically and speedily with your request.

If they are in breach of the banking code-then this would equally trigger a breach under The Consumer Protection from Unfair Trading Regulations 2008.

[deadlydoug]

most of the time they send out letters that are stamped copy signatures with no name (this has been my experience)I have many from Llloyds tsb and such and when i ask for them to sign i get nothing.If you have quoted i am sure the correct account number and address and name they can verify it,after all if you did this by email or phone how would you sign it.It as a way the banks and such stall,because while they are not acceptiong documentation you are still incurring charges.I have sent letters also without signing so find it strange.If you need further help why not contact Financial ombusdman service or see the CAB

[MARTIN3030]

The FOS will only deal once the bank/service provider has given a final response,or else have used the 8 weeks allowed.

I would also ask CAP 1 for a copy of their complaints procedure-they have a responsibility and duty to provide it.

[deadlydoug]

this only works if they (the bank) follow rules.They continually flout these by asking for extra time over the 8 weeks.Normally as i have found they will put final response onto a letter within 8 weeks hoping that you will accept thier answer and go away.The best thing to do is wait the eight weeks but do copy in FOS and also talk with CAB.One thing you do not have to agree is the extra time they request.If they cannot dig out info within 8 weeks then they have a problem.I would also ask for all data that holds yourselves as the data subject from them.