CCA received - now confused

scotsony

My CCA arrived, but it's never been signed by me! what's my next step now?

immoral_angeluk

scotsony wrote: »

My CCA arrived, but it's never been signed by me! what's my next step now?

Is it a debt you are aware of? Or is it a debt you've never heard of?

ie did they just start chasing you for payment as they were fishing for people with the same name to see who replied..

Wol2

scotsony wrote: »

My CCA arrived, but it's never been signed by me! what's my next step now?

Hi Scots

Without wishing to be seen to be facetious....:o

Next step: Put up a post with further details on the unenforceability thread as you will get a definitive (and sound :T:T) answer on hw to handle it fron here.

http://forums.moneysavingexpert.com/showthread.html?t=2060575&page=86


:D

Wol2

immoral_angeluk wrote: »

Is it a debt you are aware of? Or is it a debt you've never heard of?

ie did they just start chasing you for payment as they were fishing for people with the same name to see who replied..

Ooopps - sorry IA...my post clashed with yours - was in now way intended to undermine your subsequent post to OP Scots....I have the utmost resepct for you and your knowledge

xxx

immoral_angeluk

Wol2 wrote: »

Ooopps - sorry IA...my post clashed with yours - was in now way intended to undermine your subsequent post to OP Scots....I have the utmost resepct for you and your knowledge

xxx

lol it's fine! Wasn't undermined in any way

fermi

scotsony wrote: »

My CCA arrived, but it's never been signed by me! what's my next step now?

Really never?

Or is the copy you have been supplied with just not signed?

A creditor/DCA is not actually obliged to send you a signed copy.

scotsony

I know about this debt, but didn't agree with there high interest rate and try to get a better deal, so i never formaly agreed to there interest rate or there fees.

scotsony

it's a copy of the agreement, i just never signed it.

never-in-doubt

never-in-doubt wrote: »

Ok, so you hand completed the application form yes? Did you get sent a copy of that from MBNA with your CCA request or was it suddenly typed? OR did they send you a pre-printed form that just needed your signature? Its the only 3 option available - so must be one of them.

Be specific please.

scotsony wrote: »

I hand completed the application form, they didn't send me this copy, instead it was typed.

Thank you - at last, we're moving on!

You need to send this letter that is here - #1477 - but edit it to suit your needs, so you'll change the top part and change the lender name to MBNA.

DarkConvict

Not to sound rude, but ..

I know about this debt, but didn't agree with there high interest rate and try to get a better deal, so i never formaly agreed to there interest rate or there fees.

You didnt agree to the terms of the card, but went ahead and used it anyway, dare i say it you took a gamble on doing that as by using the card you pretty much agreed to the terms, at least by my common sense logic.

Is this a Pre April 2007 debt, if it is, the CCA needs to be signed. As im sure Never-in-doubt has been guiding you though.

never-in-doubt

DarkConvict wrote: »

Not to sound rude, but ..



You didnt agree to the terms of the card, but went ahead and used it anyway, dare i say it you took a gamble on doing that as by using the card you pretty much agreed to the terms, at least by my common sense logic.

Is this a Pre April 2007 debt, if it is, the CCA needs to be signed. As im sure Never-in-doubt has been guiding you though.

Mate it seems he hand completed an app form and they sent a typed one with a tick in the box back purporting to be his CCA - that is fraud. :beer: