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davidoneman

Rway discount on GE PayPal Credit card ive been paying £1PCM for years

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Hi this is my first post so sorry if its in wrong place.

 

any help would be appreciated.

 

hi is this the right one

 

Hi could someone please help i have a copy of my credit agreement but need to know if its enforcable or not it doesnt have my signature on ?

many thanks for any help.

 

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Hi,

Ideally we could do with seeing it. If you can post it up minus any personal details that will help.

 

In the meantime, does the agreement have:

 

The APR

A credit limit or a statement saying one will be set

Repayment terms

 

And how old is the agreement (when did you first take it out)


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Am I right in thinking this was taken out online?

 

I still think this may need a signature rather than a printed name


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I have seen online agreements that have a tick in a box which makes it enforceable but with yours, they are asking for a signature so I would think this one is an online one but they then send an agreement for you to sign.

 

It's a difficult one this because lots credit card companies are sending out reconstructions of agreements which leave out certain info (and legally too) because they are either too lazy to go find the original or they don't have it.

 

Without a signature, a court would not be able to enforce it

 

I know that this doesn't help much.

 

Have you tried to SAR them? Just in case, here is the link:

The Consumer Forums - Debt collectors

Letter 11

 

A SAR should get back everything they have including your agreement. If it is the same as above then it's a good bet they don't have your signature.

 

There is also the legal route:

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

Hold fire for more advice. It is a bit quiet at weekends


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Hi this is what i sent them -

 

[CCA template removed - dx]

 

thanks for the help so far :)

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Hi just looking over some of my debt ,

 

 

i had a credit card with paypal which was opened online

 

 

now it got sold to cl finance which i pay a small amount every month ,

 

 

looking at my credit file from equifax

ive noticed it says the account defaulted on 02/2009 ,

 

 

i have just recieved the default notice from cl finance which is dated 14 th december 2009 meaning that it had been defaulted before i got the notice ,

does this make it unenforcable in court ?

many thanks for the help

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nope

 

just a paperwork error

 

dx


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hi

ive got a couple of old debts with robinson way ,

one a old credit card

and a old loan ,

 

i sent off cca's years ago and they both had a signed agreement ,

ive been paying £1 a month for the last 4 years or so ,

 

today i got a letter from robinson way saying they are prepaired to accept a lower payment

 

the debt is £3200 they are wanting £700 .

 

I am thinking of sending them a letter offering £200

but was wodering if there is a template to use for making full and final offer .

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there is but why offer a discount?

bet theres more to be had by sending an sar to the OC and reclaiming.

 

 

shame you kept blindly paying

who said the CCA returns were enforceable?

 

 

dx


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Hi i sent the cca to the oc years ago and posted it on here , i had 5 £12 fees on the account . Thats why i paid the £1 a month , i havnt claimed the £60 .

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then must be worth lots more now if they've been charging interest.

what is the debt and who was the OC?

 

 

lets go find your old threads.

 

 

dx


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hi this is the old thread , it was a old paypal credit card done online . ive just looked theres only 4 late payments of £12 not 5 . the interest was stopped in 2009 when i got into a bit of trouble .

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?230969-Help-needed-Enforcable-or-not&p=2559180#post2559180

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i have another account with robinson , it was for a old a&l loan and they have a signed agreement as well

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i have another account with robinson , it was for a old a&l loan and they have a signed agreement as well

 

 

start a new thread for that one please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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The CAG Interest Tutorial Read Here

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hi this is the old thread , it was a old paypal credit card done online . ive just looked theres only 4 late payments of £12 not 5 . the interest was stopped in 2009 when i got into a bit of trouble .

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?230969-Help-needed-Enforcable-or-not&p=2559180#post2559180

 

 

who are Rways client, hoist/HPH2 ?


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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I just abbreviated it

post 19 & 20 please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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The CAG Interest Tutorial Read Here

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well ge money that's now satans bank

 

 

anyway

 

 

post 19 and 20 please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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i will start a new thread for the other one , and it was sold to cl finance .

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yes we know that about cl

 

 

when was the last time you send a cca request?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Send a new CCA request to rways client


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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