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    • Thank you for the above Andy. I’ve not stated to Shoosmiths that I have not signed the agreement, however at the time I didn’t really understand the agreement, it was just put in from of me, and told to sign. I did also sign a document saying it did not require legal representation.   What would you suggest as my next steps? 
    • Barclays have finally responded to my friend on this asking for  Date of birth, all previous addresses, any former names and account numbers she has.   I don’t think my friend included a council tax bill (I did when I sent my Dad’s DSAR to Barclays last week!).   Do they need all this info?
    • There is no statutory provision requiring a witness in these circumstances to be independent. However the purpose of having a witness is so that they can provide unbiased evidence of what was signed and by whom, if required in the future. Therefore a witness should be independent and it is best practice to interpret this widely. A witness should not be the signatory’s spouse or partner or a family member, and should not have a personal interest in the provisions of the document. Case law has confirmed that a party to the document cannot act as a witness to another party’s signature. It is advisable that a witness is aged eighteen or over.   More importantly ...One of the distinguishing factors about the execution of a deed as compared to a contract is that a deed must be “delivered”. Delivery fixes the date from which the executing party is bound by the deed, and once delivered, a deed is irrevocable in the absence of an express right of revocation. At common law, a deed is delivered when a party expresses an intention to be bound by the deed, even if it retains possession of the document.   The best way to deal with delivery of a deed is to have clear wording in the document setting out that the deed will be delivered on the date appearing at the head of the document. Where a deed is executed by a company, legislation provides that it is presumed to be delivered on execution, unless a contrary intention is proved. There is no such presumption for execution by an individual. Clear wording in the document confirming the position on delivery will avoid confusion and unintended consequences.   https://www.osborneclarke.com/insights/signed-sealed-delivered-execution-of-deeds-and-documents-and-how-it-might-go-wrong/
    • ok increased to 3.5mb now and numbered and titled each page   FYI- the quality of the terms are unreadable even before scanning   thanks jpg2pdf(1).pdf
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
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hi guys,

 

i was looking through an old email account which i dont use anymore, a company called cash genie are referring my account to a collections team for the sum of £957, they are willing to settle for £300 today or £400 over 4 months.

 

I remember taking out the loan but thought i had settled it and never checked back to that email account. I have received nothing at my home address.

 

the loan was for £150 back in 31/07/2009 after inquiring with them they have advised I made a payment of £75 and then 8 lots of £45 interest. I stopped paying on 28/05/2010.

 

they are charging £675 as interest and £132 in letter/late payment fees.

 

I just feel this is sooo unfair and feel like I shouldn't have to pay these extortionate amounts, i understand i should have stayed on top of it but was wondering is there any way I can avoid paying so much money? For a loan of £150 this all seems excessive.

 

Thanks Guys!

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You dont have to pay any of those charges. Thats why they are offering a massive discount.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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they have just replied to me saying they are happy for me to pay back the original sum and one months interest so I think thats a result right?

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Check your credit files to see if the debrs there. You want to make sure negative markers are removed and get it confirmed in writing before paying. They might say no but its worth a shot.

One thing you MUST do is get full confirmation that the payment will settle the account in full and they wont sell the remainder on.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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hi guys,

 

i was looking through an old email account which i dont use anymore, a company called cash genie are referring my account to a collections team for the sum of £957, they are willing to settle for £300 today or £400 over 4 months.

 

I remember taking out the loan but thought i had settled it and never checked back to that email account. I have received nowthing at my home address.

 

the loan was for £150 back in 31/07/2009 after inquiring with them they have advised I made a payment of £75 and then 8 lots of £45 interest. I stopped paying on 28/05/2010.

 

they are charging £675 as interest and £132 in letter/late payment fees.

 

I just feel this is sooo unfair and feel like I shouldn't have to pay these extortionate amounts, i understand i should have stayed on top of it but was wondering is there any way I can avoid paying so much money? For a loan of £150 this all seems excessive.

 

Thanks Guys!

 

Could this be the same thing that myself and another user are facing? Basically the agreement is that when the loan is due to be paid they take the interest and loan out in 2 seperate transactions. However, they have been taking just the interest and automatically rolling it over, despite what their agreement says.

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