Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Just a quick hello
by petexxxx Today at 1:25 pm

» judge arrested (lawfully) by a cop (who's jailed). Outrageous
by Society of the Spectacle Today at 1:09 pm

» Reclaiming cash value for loans ive paid off in the past
by urchinatheart Today at 1:03 pm

» Bailiffs are a coming
by waylander62 Today at 12:43 pm

» Lowell threatening me Again !!
by waylander62 Today at 11:01 am

» Essex & Suffolk Water
by Sharpysparky Today at 10:08 am

» 24 Storey Tower on Fire in Kensington - dies
by Awoken2 Today at 12:41 am

» Barclaycard Mercers Default Notices Are Invalid
by Kestrel Yesterday at 10:52 pm

» Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers
by Kestrel Yesterday at 8:17 pm

» Threatened bankruptcy proceedings
by ande Yesterday at 6:55 pm

» Keep up...
by chong Yesterday at 5:50 pm

» Hello all from new member, hoping to overcome the fear this time
by ande Yesterday at 5:47 pm

» Discovery, Bluffing and False and Misleading Conduct.
by handle Yesterday at 12:03 pm

» Drydens Fairfax
by Swan Yesterday at 9:49 am

» Notice Of Conditional Acceptance / Promissory Notes
by Ausk Yesterday at 8:17 am

» Ways of protecting assets from creditors
by Ausk Yesterday at 8:08 am

» Member of the old GET OUT OF DEBT FREE. So glad i found this site again
by Logan1989 Mon Oct 15, 2018 10:35 pm

» Did you have the money / use the credit?
by handle Mon Oct 15, 2018 8:20 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Oct 15, 2018 8:01 pm

» Beware of ancestry DNA websites
by jss64 Mon Oct 15, 2018 6:26 pm

» Dr. Graham Downing 5G and A.I talk
by ditchit Mon Oct 15, 2018 12:34 pm

» PoE
by ditchit Mon Oct 15, 2018 8:02 am

» Set Aside Application, Can Claimant Provide Proof Of Claim?
by Kestrel Mon Oct 15, 2018 7:00 am

» Is this what Greg Hallet was talking about?
by handle Sun Oct 14, 2018 10:38 pm

» old man tells joke
by handle Sun Oct 14, 2018 12:07 pm

» Anti nano tech
by chong Sun Oct 14, 2018 11:31 am

» Mediation Time. How to fire off your defence?
by onak Sun Oct 14, 2018 6:26 am

» FOS complaints and civil proceedings
by handle Sun Oct 14, 2018 5:27 am

» Administration of Justice Act 1970 forbids creditors to falsely pretending to be officially authorised to collect payment
by Stevro Sun Oct 14, 2018 2:11 am

» CCJ circa 2013 vs Santander, now Cabot/Mortimer Clarke chasing
by hughythomas Sun Oct 14, 2018 1:51 am

» Cabot help
by Benjisaurus Sat Oct 13, 2018 10:31 am

» Hello to all of you
by assassin Sat Oct 13, 2018 1:21 am

» Geopathic Stress, 5 G, Microwave Radiation Toxicity, Smart meters.
by daveiron Fri Oct 12, 2018 8:03 am

» Cabot- is there a realistic chance to fight them?
by handle Thu Oct 11, 2018 11:34 pm

» Distopian Future Documentarys,
by Society of the Spectacle Thu Oct 11, 2018 9:19 pm

» NIP - speeding with photo evidence
by daveiron Thu Oct 11, 2018 4:57 pm

» Latest Rich Planet vids Richard Hall
by daveiron Thu Oct 11, 2018 4:46 pm

» Hoist Portfolio/Howard Cohen – Letter of Claim ?
by barnwebb Wed Oct 10, 2018 8:23 pm

» Brown all CAPS window letter with "Defendant" visible!
by itheman Wed Oct 10, 2018 8:22 pm

» Reality chat with peter howard and company
by Society of the Spectacle Wed Oct 10, 2018 7:34 pm

» This Is Interesting
by pitano1 Wed Oct 10, 2018 10:17 am

» Hello all members of The Community
by assassin Wed Oct 10, 2018 1:40 am

» Raconteurs with extra special guest !!
by Lopsum Tue Oct 09, 2018 9:31 pm

» Hello, new here and preparing to fight the system.
by Jacko Tue Oct 09, 2018 4:07 pm

» BT/british telecom
by mitch Mon Oct 08, 2018 4:37 pm

» Civilized Materialistic DNA vs Tribal Spiritual DNA
by Kestrel Sun Oct 07, 2018 9:23 pm

» Another noob faced with a DC
by onak Sun Oct 07, 2018 2:18 am

Moon phases


Unsigned credit agreement

Go down

Unsigned credit agreement

Post by Ohfreeme17 on Fri Jul 27, 2018 1:17 pm

Hello,

I was just wondering if anyone would be so kind as to tell me what I need to do...

I’ve completly lost track of 3 letter process the folder started falling apart. Way too many debts and nonone to help me sort it out.

Credit agreement refers to storecard. I have never had one of those!

Ohfreeme17
Not so newb
Not so newb

Posts : 3
Join date : 2017-08-16

Back to top Go down

Re: Unsigned credit agreement

Post by waylander62 on Fri Jul 27, 2018 1:45 pm

so you are saying that you have never had or opened an account with next directory !?

waylander62
Not so newb
Not so newb

Posts : 168
Join date : 2017-10-03

Back to top Go down

Re: Unsigned credit agreement

Post by Ohfreeme17 on Mon Jul 30, 2018 8:05 am

@waylander62 wrote:so you are saying that you have never had or opened an account with next directory !?

I posted about what happened to me in the old forum....

Was ill I can’t remember! Lots of people around me taking advantage. Getting me to take out mobile phones for them etc and not paying up. My life spiralled.

They have sent me statements for an online account.

Ohfreeme17
Not so newb
Not so newb

Posts : 3
Join date : 2017-08-16

Back to top Go down

Re: Unsigned credit agreement

Post by Ohfreeme17 on Mon Jul 30, 2018 8:09 am

Also no default notice... Will be 6 years as of June Next year.

Ohfreeme17
Not so newb
Not so newb

Posts : 3
Join date : 2017-08-16

Back to top Go down

Re: Unsigned credit agreement

Post by Ausk on Fri Aug 03, 2018 9:04 am

Do you have any evidence you sent them any of the 3 letters? They ask for the 3 documents they must have before they have any standing in the court.

these are a copy of the original agreement you signed with the original creditor - the people you borrowed the money from, the letter or Notice of Default from the original creditor and a copy of the Assignment Notice.

The 3 letters ask for these things. If you sent it recorded delivery then you might still have the receipt for this. If you have it then you don't need to do anything at all because you have requested them to prove their claim against you. If they have not sent the evidence required then its likely they have don't have it.

You could send them again as this will give you certainty and confidence and you will be able to prove to the court that you have requested proof of claim but they have not provided it. The courts tend not to be keen on litigants that do not provide proof of claim when requested and given time to do so.


Ausk
Not so newb
Not so newb

Posts : 399
Join date : 2017-06-03

Back to top Go down

Re: Unsigned credit agreement

Post by Ausk on Fri Aug 03, 2018 9:08 am

If the credit agreement is unsigned then ask them how or why it has anything to do with you.

An unsigned contract is no contract at all. If you are not sure whether or not you have sent the 3 letters then send them again and it will take care of all of this as far as them proving their case.

Ausk
Not so newb
Not so newb

Posts : 399
Join date : 2017-06-03

Back to top Go down

Re: Unsigned credit agreement

Post by handle on Fri Aug 03, 2018 2:44 pm

The problem is when they "reconstitute" a credit agreement, which will not have any signatures. However, if this was a pre 2007 agreement then it is probably unenforceable as it does not conform to the consumer credit act 1974.
I know you said default notice is 6 years next year but they tend to delay the default notice, actually not even send one at all. The six years starts when you actually default on payments, provoding you have not made a payment since or acknowledged the debt or offered a small sum.

handle
Not so newb
Not so newb

Posts : 449
Join date : 2017-04-10

Back to top Go down

Re: Unsigned credit agreement

Post by Sponsored content


Sponsored content


Back to top Go down

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum