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halifax credit card, now being chased by Robinson Way. CCA RECEIVED.

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long story very short...

 

...Halifax cc taken out in april 2006.

Can't now afford it.

My credit file is shot so i'm not bothered re-defaults.

 

I asked Robinson Way for a copy of the cca,

they got a photocopy from lloyds,

the prescribed terms are all there but it is unsigned in the box which requires the lender's signature and date.

 

Can i contest this or should i just offer them a pound a month.

 

The debt is £2500 and i'm currently self emploed,

i earned £150 last month £300 this month.

 

My house is charged upto the hilt,

£55,000 to the bank

£70,000 to a relative.

It's worth £100,000.

I have no assets.

 

Any advice would be great.

 

Cheers

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Im not 100% sure, but i think they need a copy of the full, original signed agreement if its pre april 2007.


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Sig maybe by ''an approved stamp'' ot other internal confirmation that the account is approved.


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Thanks for the replies, there is no signature or stamp from the lender, or date, anywhere on the credit agreement page.

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I think that the lack of their signature is something that can be "remedied" .

 

You say this is a Halifax credit card - is it one of the "preference accounts".

 

Do you know if there are any default/penalty charges that could be reclaimed.

 

Was there any PPI on this card that might have been mis sold ?


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I asked Robinson Way for a copy of the cca,

they got a photocopy from lloyds,

the prescribed terms are all there but it is unsigned in the box which requires the lender's signature and date.

 

This could be a reconstituted agreement to satisfy your s.77/78 request. If so it doesn't require your signature. They can simply fill in your details on a blank form providing they have the information to do so. You should have received more than just the agreement though. There should be terms and conditions with it unless thay are all incorporated in the agreement and there should also be a signed statement of your account.

 

Of course, taking the matter to court will require more than a reconstituted agreement.

 

Worth checking that it is actually an agreement and not just a card application or something. There are many things to check in addition to prescribed terms and many lenders are now very good at providing info that looks more convincing/genuine than it actually is.


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So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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