they wont provide the original credit agreement

drustan595

hi ppl, newbie here with a problem. a solicitors company are hunting me for an unpayed credit card bill. the company have txted me over 20 times and call my mobile over 40 times with threats to take me to county court over the bill. every time i tell them to proved the original credit card agreement they say they dont have it and cannot get it. this has been going on for over a year. they have only recently sent me there address so i can correspond. please help.

catflea

You will likely do better posting this in the debt section :beer:

ILW

drustan595 wrote: »

hi ppl, newbie here with a problem. a solicitors company are hunting me for an unpayed credit card bill. the company have txted me over 20 times and call my mobile over 40 times with threats to take me to county court over the bill. every time i tell them to proved the original credit card agreement they say they dont have it and cannot get it. this has been going on for over a year. they have only recently sent me there address so i can correspond. please help.

Are you saying you never had the card or spent the money?

The_Mighty_Gusset

I seem to recall a recent court ruling that did indeed find that they do not have to provide the original agreement.
This puts a stop to unscrupulous people running up huge credit card debts and then trying to wriggle out of paying them by insisting on seeing their original signed agreement.
If the card is genuinely yours, then you know that you signed the agreement, the credit card company also know that you signed it, otherwise you wouldn't have been issued with the card, so you both know that the debt is yours and you have to pay it.
Or, are you claiming the card is not yours and that someone obtained it fraudulently ?
In which case you need the Police.

The_Mighty_Gusset

Here you go :
http://news.bbc.co.uk/1/hi/business/8435867.stm

Googling also reveals that a website called Money Saving Expert (or somesuch nonsense) also reported this finding.

drustan595

no i had the card and spent the money but want the original agreement to find out if the card was issued with ppi. as i have always been self employed and will be unable to make any claim on the insurance

kaisersoze_2

Where is your copy of the original agreement?

Claiming "mis sold" PPI does not mean you stop paying your credit card bill, you will have screwed your credit rating for no reason by not paying.

jonesMUFCforever

drustan595 wrote: »

no i had the card and spent the money but want the original agreement to find out if the card was issued with ppi. as i have always been self employed and will be unable to make any claim on the insurance

Are you sure that you will be unable to claim on the insurance?
Employment - what happens if you were to close your business down officially and claim JSA?
Life cover should you die?
Hospitalisation cover or other sickness cover??

You do not have to have your original agreement to find out what the PPI policy covers - just ask them for an up to date version.

DarkConvict

Read this, its lists what to do from start to finish - http://forums.moneysavingexpert.com/showthread.html?p=26867731#post26867731

They have to provide it if they plan to goto court! No CCA no CCJ.