iQor send copy of halifax agreement after 9 months of being ignored

[lavamyz]

Hi

 

i was amazed at what i found in the post this morning!

 

CCA request sent in february - ignore

reminder letter sent - got "apologies it was an oversight letter" in march

received copy of current terms and conditions in march

sent letter saying current terms irrelevant - ignored

sent account in dispute letter - ignored

sent SAR request in april - got copy statements and current t&cs

all went quite for a few months....

sent CPR16 in august - ignored

received DCA letter from iQor in september

CCA'd iQor - got current terms and conditions in september

sent iQor no compliance with CCA letter

all quiet again...

 

this morning in the post i received the attached agreement which is apparently a copy of my original agreement - i'm amazed!!!!

 

Aside from the fact that something has arrived after 9 months of being completely ignored is it enforceable???

 

my signature on the agreement is EXTREMELY suspect (i dont really believe its mine, for instance there's clearly a letter "a" in the signature where my surname has a letter "o", but it was seven years ago to be fair)

 

quite frankly i cant imagine why halifax wouldnt sent it in the first place if they had it!

 

http://s855.photobucket.com/albums/ab117/lavamyz/?action=view&current=coverletter.jpg

 

http://s855.photobucket.com/albums/ab117/lavamyz/?action=view&current=agreementfront.jpg

 

http://s855.photobucket.com/albums/ab117/lavamyz/?action=view&current=agreementback.jpg

Edited October 30, 2009 by lavamyz
thumbnails too small

[PGH7447]

too small sorry

[lavamyz]

hi!

 

way too small - i've added links to the files on photobucket - thanks!

[PGH7447]

start with the letter from Igor

 

There is no deed of assignment as the account remains with their client Halicrap (HBOS) Whom we believe to the orginal Creditor - They either are or they aint what a stupid comment

 

did you apply for a credit card and they then send you this to sign and return?

 

or was this the only form you did?

 

if the first then I would say its a good un, but could be wrong

[vint1954]

The second page looks like a cut and paste from several T&C's. The front page on its own is unenforcable. It has no prescribed terms within the signature document ( before the signature ) and no reference on the signature page to any terms overlaf. The box above the signature, refers to it being an application.

 

It is likely that they have reconstructed the second page, claiming it to be the rear of page 1.

 

As PG says, what a daft comment about the OC and if they are not a third party, they must be the OC, which they are obviously not.