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Oh God No!!!!!
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If you can't scan a document, try taking a pic with a digital camera or mobile and uploading it that way.0
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Yes thats the letter Linda I am getting if you pay this amount it will be settled
well they can go take a hike lol0 -
Right took photo But how do I get on here there is nowhere for me to upload0
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Is this is Fermi?????????0
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That is not a credit agreement.
Think about it. I could scribble " this is a credit agreement" on any document I liked. Does''t make it so.
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
tHANK YOU Fermi0
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Fermi - if that is the only thing they have does that mean you do not have to pay back any money to Cap 1. I have seen lots about cca's but never knew what it meant if there is no valid cca.
Before anybody shouts I am not looking to get out of what i owe!
Me xOne small step for ME, one giant leap for my family!
2015 - my Amazon Gift Certificate mini challenge - saving to buy small household electrical items.
Total £9.120 -
Hi
A valid CCA for an account taken out before April 2007 has to be signed by the debtor and have the prescribed terms. This law goes back 30 years and any creditor that could not get its act together to produce valid documentation to suppor their business deserves what it gets. Amber's offering above is an application form, pure and simple.
It is not a valid CCA, so the debt is unenforceable. If hubby already has a default, then he may or may not want to continue paying. Bear in mind that the DCa will have bought this debt knowing that it was defaulted and probably unenforceable, for very little. So hubby might choose to pay what he can afford or to do a full and final at about 15%, or not to pay at all.If you've have not made a mistake, you've made nothing0 -
totally agree, the prescribed terms and conditions are missing and this cannot be consider a true credit agreement, my sister was presented with one like this from Northern Rock and it was produced in court by Northern Rock and it was thrown out by the judge and the debt is unenforcable. Good luck and hope this makes you feel better.:A :
Siren
Keep Smiling
Eight words ye Wiccan Rede fulfill - An’ it harm none, Do what ye will.0
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