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Credit agreement not signed


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As the title says. After nearly 3 years robber way have finally got back to me with a complete breakdown of my credit agreement saying that I owe money. Not disputing the fact but the credit agreement is not signed or dated by me.

All they have is a typed up letter saying that I agreed to the following loan"we arranged a personal loan for £xxx your loan is not protected" then at

the bottom says "the above is accurate summary of the services provided" this is signed and dated.

Do they have a case.

 

Thanks in advance.

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Is this perhaps to do with HFC which is mentioned in this thread?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?317355-Please-Please-help-at-my-wits-end

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Yes, I have managed to put most of them in to dispute with the help of the members here and the companies involved have accepted it. But today I got through the post from Robinson way in regards to one of the HFC debts all the credit reports that I had asked for in May 2011, but as I say the original credit agreement is not signed or dated.

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Is it the original or is it a reconstituted?

We could do with some help from you.

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So today I went to the citizens advice (the wife was nagging me to get info) I spoke to one of the consumer advice people and they seem to think that if it's not been signed then they don't have a leg to stand on. The woman I spoke to is going to speak to one of there legal team and I need to go back and speak to her again. They also found another discrepancy the account numbers don't all match, the covering letter says it's for one account but the CA is for a different account. Am getting confused !!!!

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Thread moved to the appropriate forum.

We could do with some help from you.

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I had a copy of a cca sent to me on request from another bank which was not signed by the bank and a court action thru the banks claim out as unenforceable because not signed for and on behalf of the bank. The account was pre 2006

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