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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
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taylorit

Loan repayments taken early

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Hi

 

Can anyone advise regarding loan payments. I have a loan agreement with payments that were due as per the credit agreement on: 17/08/18, 21/09/18 and 19/10/18 however I have noticed that payments have been taken late or early by the lender on 20/08/18, 17/09/18 and 12/10/18.

 

Is there any legal standing on this if I make a complaint

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If these were direct debits then you can use the DD guarantee, however, did these dates fall on a weekend or bank holiday ?

 

 

Who is the creditor?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No none the dates fell on a weekend and payments made under CPA.

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Which Bank is this..then we can get you in the appropriate forum.

 

 

Regards

 

Andy


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788.91% Representative

 

Will lend between: £200 - £600

 

Over: 3 - 9 Months

 

https://www.choosewisely.co.uk/loans/library/dot-dot


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whom I think are all now under the provident group?

morses merged with shopacheck [ an old welcome finance brand name]

then shopacheck was taken over by provident .

 

 

I see from your history PDL's and these types of loan are an on going habit.

 

have you not thought of a few Irresponsible lending claims?

 

your credit file must be shot and these people should not be lending to you?


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