Credit agreement

Mimi_Arc_en_ciel

can some one point me in the direction of a "can you send me the signed credit agreement" letter please

Thanks!

skylight

Don't have one to hand, but search for CCA on the DFW board and you will come across it in no time!

Mimi_Arc_en_ciel

skylight wrote: »

Don't have one to hand, but search for CCA on the DFW board and you will come across it in no time!

have tried but its finding all the words "signed" "credit" "agreement" and apprently we all like these words - there in almost every post lol thought someone might have one to hand lol will keep looking but thanks anyway

Another quick Q - debt on Credit file saying i owe £77 but i KNOW they havent had a signed credit agreement - debts going back to 2004 - DCA just started chasing (actually though i'd cleared it) can they still make me pay even if they dont have signed CA?

fermi

Link: Factsheet | Getting a copy of your credit agreement, account details and a statement of account.

fermi

mommyme wrote: »

Another quick Q - debt on Credit file saying i owe £77 but i KNOW they havent had a signed credit agreement - debts going back to 2004 - DCA just started chasing (actually though i'd cleared it) can they still make me pay even if they dont have signed CA?

If the creditor/DCA does not comply with the CCA request, then they are not entitled to enforce the agreement. The only way they can legally "enforce" the agreement (or "make you pay) is to take you to court, which in theory without a CCA they should not be able to succesfully do if you defend it.

But if they should dig up a copy at a later date then then in theory they could "enforce" again.

What is this debt for?

Mimi_Arc_en_ciel

fermi wrote: »

If the creditor/DCA does not comply with the CCA request, then they are not entitled to enforce the agreement. The only way they can legally "enforce" the agreement (or "make you pay) is to take you to court, which in theory without a CCA they should not be able to succesfully do if you defend it.

But if they should dig up a copy at a later date then then in theory they could "enforce" again.

What is this debt for?

it says on the credit file "mail Order" but i KNOW 110% i have never signed for anything from a mial order - only one i have is Next and that is up to date.

fermi

mommyme wrote: »

it says on the credit file "mail Order" but i KNOW 110% i have never signed for anything from a mial order - only one i have is Next and that is up to date.

OK.

I was just making sure that this wasn't an overdraft or a mobile phone contract or another type of debt that doesn't require a CCA.

Mimi_Arc_en_ciel

fermi wrote: »

OK.

I was just making sure that this wasn't an overdraft or a mobile phone contract or another type of debt that doesn't require a CCA.

nope - just says "mail order"

Ive got letter saying they have to reply within 12 working days - what happens if they dont reply or if they send a letter saying they havent got a CCA?

Mimi_Arc_en_ciel

just a note - the letter says to put in the account number - i dont have an account number for this mail order????? what shall i do? dont want to call em to ask for it lol