Cabot & Lloyds Debt i dont recognise

[mark6262]

Hi there

As a result of severe mental illness from between 1990 and 2008

i ran up many unsecured credit card debts.

 

I have no memory whatsoever of signing any agreements.

 

I recently asked cabot for the original credit agreement and they said they did not have it.

 

They tried various bully boy tactics to make me back down and start repayments.

 

This debt dates back to 2003.

 

Eventually they agreed to write off the debt.

 

I am now in negotiation for the other debt collectors to do the same.

 

A company called Robinson Way have sent me a photocopy of an advance application form and agreement.

It doesnt have a letter header.

 

There is a signature but it is not dated by the signatory.

 

There is typing on the bottom of the photocopy that is dated 2nd Dec 2003.

I have no memory of signing this.

 

I have asked them if they have the original and they dont seem to want to answer.

 

Is this advance application legal as it has not been dated.

What are my options here?

 

If they dont have the original agreement,

what can they do?

 

I am well now and trying to rebuild my life after years of terrible mental distress.

 

Over the years, my family and I have literally been terrorized by debt collectors.

 

They were told by the CAB that i was deemed a "vulnerable" person

and should not be contacted by phone and home visits.

 

Despite of this, they have made our lives a misery for over 8 years.

 

These debts occurred due to my severe mental illness.

 

As I said, Cabot have cancelled one debt because they did have the original agreement.

if the other companies do not have it then surely they should also have to cancel.

 

Many thanks

 

If they have the original but its not dated, is it enforceable?

[dx100uk]

if you know nothing about the debt

and have paid nothing within the last 6yrs

 

the debts a re statute barred.

 

they can do nothing to you.

 

can I suggest you get your credit report

 

see below.

 

dx

[mark6262]

if you know nothing about the debt

and have paid nothing within the last 6yrs

 

the debts a re statute barred.

 

they can do nothing to you.

 

can I suggest you get your credit report

 

see below.

 

dx

 

I have been paying £1 per month for 6 years.

 

I argued successfully with Cabot that this was anecdotal evidence

and was that we had been bullied into signed the agreement.

 

Which is true these people made terrible threats even though they had been warned not to by the cab

[dx100uk]

bullied into signing what agreement?

 

you said you knew nothing about this debt

 

so why have you been paying them?

[mark6262]

I said I had no memory of signing the agreement.

 

I was seriously ill for many years.

 

Please read my questions and if somebody could please give some answers it would be appreciated

[mark6262]

If they have the original agreement but its not dated, is it enforceable?

[mark6262]

I was bullied into signing the repayment agreement

[dx100uk]

can we see their CCA return please?

 

an application form may not be a CCA is many instances.

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

.

dx

[dx100uk]

and who was the original creditor please

[mark6262]

Lloyds

[dx100uk]

ok please scan up what you have

[mark6262]

where should I scan it to

[dx100uk]

follow post 8

 

dx

[mark6262]

will this be publicly visible or will only yourself be able to view it