Can they refuse to action my request???

bethg2009

I sent all of my creditors letters to offer a minimum monthly payment on my own DMP I sent my Credit Card Co. the same letter as everyone else along with a copy of my monthly budget plan. I recieved a letter this morning which reads:

Dear Miss Beth

Thank you for your recent letter.

Unfortunately, I'm unable to action your request because you have not signed the letter you sent to us. Please send the letter again with your signature on.

If you require further help, call our specialist account managers, on our freephone number.

Yours sincerely
(Name supplied)


Can they do this? Refuse to action because of no signature, I have read on many posts not to sign anything because apparently some companies have been known to copy signatures, does anyone know what my rights are, or if there is a standard letter I Can forward to them refusing to sign the letters.

Thanks in advance!!

rayday2

I sign my letters but not with my usual signature. I can see where they are coming from in a way anyone could be trying to action your account so some sort of signature protects them.

rog2

They can, unfortunately, 'refuse to action' your request with or without a signature, beth, as a DMP is a voluntary arrangement and none of your creditors are actually obliged to accept reduced payments - though most will.
If it were a letter to a dca, I would definitely advise you not to sign your letter. However, as the letter is to an original creditor, I see no 'harm' in signing your letter, although I would agree with rayday - sign it slightly differently than normal, or put an X before and after your signature.
The 'often genuine' worry that most debtors have is that a signature can be 'scanned' and inserted into currently non existent documents, such as consumer credit agreements.
One way to make your 'signature' difficult to scan is to sign over a multi-dotted background.