CCA Unsigned by Creditor

[dave_herts]

I have received a copy of the CCA i signed for a loan, and it has no signature in the creditors box. Does this mean it was not properly executed and therefore un-enforcable?.

[citizenB]

This situation has been discussed many times - It is my understanding that a creditor can sign the agreement at a later date and the issue is then rectified.

 

The only escape route would be if it wasnt signed by the account holder.

[dave_herts]

This situation has been discussed many times - It is my understanding that a creditor can sign the agreement at a later date and the issue is then rectified.

 

The only escape route would be if it wasnt signed by the account holder.

 

What if the original creditor no longer exists?, or in this case were taken over by another company?

[citizenB]

What if the original creditor no longer exists?, or in this case were taken over by another company?

 

 

If the original creditor no longer exists, I imagine that would create a big headache for someone.

[dave_herts]

If the original creditor no longer exists, I imagine that would create a big headache for someone.

 

Hope this is readable, Does anyone think this would be enforcable?

 

Universal credits loans were bought by Paragon around 1998

 

[Gaston Grimsdyke]

It's enforceable. The statutory copies you are entitled to do not have to contain any signatures, yours or the creditor's.

[pj2017]

It's enforceable. The statutory copies you are entitled to do not have to contain any signatures, yours or the creditor's.

 

That entitled then to omit the signature box or signature - but if they send through a copy that has the signature box and there is no signature, that is a different thing entirely - unless they are claiming they photoshopped the image to remove the signature.