creditor Letters

Kudox

Hi everyone I'm a newbie here and just wanted to say a big thanks to everyone for loads of good advice and it's so good to know I'm not alone struggling with debt.
I'm about to send letters to my creditors offering a token payment while I'm waiting for advice from cccs and noticed someone said not to sign the letter only initial it. Why is this(sorry if I seem thick), also should I type my name under the initials or not.
Thanks again for help

shaziow

That's odd. I sought advise from National Debtline and was not told that...sent my letters off last week, signed. Sorry that's probably not of much help to you, but you don't seem 'thick' at all it's better to ask than to wonder or presume! I expect someone with a little more knowledge will be along shortly.

worried_user

I think it might be to cover you in case they are some dodgy company that would forge your signature. I don't know this for fact but it was my initial thought when I was told it.

pamril1

Apparently some dca's in the past have used signatures from letters to produce cca (credit agreements) etc.
It's only when you hear some of the horror stories on here that you realise just how devious they can be.

Kudox

Thanks for replying anyway. I'm just going a bit doolally trying to do everything in the right order/way etc.

pamril1

Welcome to mse by the way. It can take a while to find your feet (at least I did) but once you start everything starts to fall into place and if you get stuck there's plenty of people here to help you.

GeorgeUK

Yup - best known one is a high street bank that used a scanner and a graphics package to create an "original" agreement and submitted this to court. The lady since taking out the agreement had gotten married so the agreement should have been in her maiden name - not her married name that she signed the letter with.

Kudox

Thanks for the welcome Pamril1 I must admit once I get on here before I know it about 4 hours or something have passed without me realising!

shaziow

Scary stuff...I'm not signing any more letters!

Kudox

Thanks GeorgeUK think I will just initial them!