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nickneedshelp

Cabot Standard Disclosure No DOB or Sig

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Hi All,

I have been in negotiations with Cabot as they bought my debt from RBS (Mint).

We are now at the stage where they have sent me a copy of the Standard Disclosure through there solicitor Morgan and all they want is to see a charge on my property for an unsecured credit card bill.

 

I was made redundant and I am trying to find work but they dont care, however I have read the paperwork they have sent and the Credit Agreement has no signature or DOB on it.

 

I know I should pay this bill BUT as they are just trying to place a charge on my property should the agreement be signed and have the DOB and also should it be signed by them.

 

Cheers

Edited by nickneedshelp

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Hi there,

 

Welcome to CAG.

 

Yes, the agreement should bear your signature but your DOB is not required.

 

Have a look at these links which may help you decide on the enforceabilty of the paperwork (courtesy of 42man & steven4064) -

 

 

Is My Agreement Enforceable - Useful

Consumer Credit Agreements

 

Please can you post up the agreement (blanking out personal details)


 

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Hi Supasnooper,

Thanks for the reply,I have attached a link below for each of the six pages.Sorry I didnt get time to work out saving it all as one.

 

Nick

 

 

 

http://i46.tinypic.com/2moru9y.jpg

 

http://i46.tinypic.com/2vjsw15.jpg

 

http://i47.tinypic.com/2cgn9zr.jpg

 

http://i45.tinypic.com/205qskk.jpg

 

http://i47.tinypic.com/1zzqnnn.jpg

 

http://i50.tinypic.com/2mpev12.jpg

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Hi,

 

As I see it, if they can provide the same document with your signature on it then it would be good but at the moment it is a pile of poo!:-)

 

 

All they have done is merged your details onto a standard set of T's&C's and they have left out the signature box and your signature as allowed by the 1983 regs however, for enforceability purposes, I think it is no good


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Hi,

 

As I see it, if they can provide the same document with your signature on it then it would be good but at the moment it is a pile of poo!:-)

 

 

All they have done is merged your details onto a standard set of T's&C's and they have left out the signature box and your signature as allowed by the 1983 regs however, for enforceability purposes, I think it is no good

 

Silverfox, thanks for the reply that is what I thought ,and as this is the disclosure for the court I would have thought it would have been signed as standard.

 

Nick

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