Received CCA is this one enforceable and what's my next move

wish_i_had_a_time_machine

wish_i_had_a_time_machine

DarkConvict

001.jpg is the important one here.

Using http://forums.moneysavingexpert.com/showpost.php?p=30355917&postcount=5

Interest Rate - The APR is 19.9% (so this is mentioned)
Repayment schedule - 2% or £5, whichever is greater (so this is mentioned)
Yours and Lenders signature - Missing (did you blank this out?)

I would be tempted to say this is enforceable because true copies do not need signatures although never-in-doubt would confirm.

What to do next -> http://forums.moneysavingexpert.com/showpost.php?p=30355901&postcount=4

If signatures are needed you send this letter - http://forums.moneysavingexpert.com/showpost.html?p=30356133&postcount=14

wish_i_had_a_time_machine

Hi i blanked out my own signiture but there was none from halifax
Just looked at the link you posted
So i guess my only move is to offer repayment plan
Thanks
Do i need them to produce the DN as they are requesting full amount and i don't have a DN

carol01

wish_i_had_a_time_machine wrote: »

Hi i blanked out my own signiture but there was none from halifax
Just looked at the link you posted
So i guess my only move is to offer repayment plan
Thanks
Do i need them to produce the DN as they are requesting full amount and i don't have a DN

hiya
why dont you pop over it never in doubts thread he'll be able to answer your questions hope this helps:)

wish_i_had_a_time_machine

carol01 wrote: »

hiya
why dont you pop over it never in doubts thread he'll be able to answer your questions hope this helps:)

Ok will do
Thanks

never-in-doubt

Hiya

It is unenforceable as the prescribed terms are not embodied within one linked document and signed by both parties. However it is also enforceable because a lender signature and/or lack of credit limit are not, in themselves, enough to deem it totally unenforceable.

i.e. The agreement posted is enforceable, in reality.

I'd be tempted to call their bluff for the time being, and do as DC says and send the following template, see what they come back with: CCA Query - Copy Document Supplied

DarkConvict

Cheers NID

RAS

Hi

Get hold of the defualt notice as there is a decent chance that is duff.

wish_i_had_a_time_machine

never-in-doubt wrote: »

Hiya

It is unenforceable as the prescribed terms are not embodied within one linked document and signed by both parties. However it is also enforceable because a lender signature and/or lack of credit limit are not, in themselves, enough to deem it totally unenforceable.

i.e. The agreement posted is enforceable, in reality.

I'd be tempted to call their bluff for the time being, and do as DC says and send the following template, see what they come back with: CCA Query - Copy Document Supplied

Hi i have read the template and it states

" I expected to receive an exact copy of that which you hold in your records i.e. a copy of the agreement which is signed by myself and your representative. Instead, I received a typed agreement with my name, address and account number on it."

But what they have supplied isn't a typed agreement with my name, address etc
I thought it was an exact copy of my agreement they sent
Do i need to tweak the template or just send it as it is
I am confused
Sorry for being dumb

never-in-doubt

wish_i_had_a_time_machine wrote: »

Do i need to tweak the template or just send it as it is - I am confused - Sorry for being dumb

Send it as is mate :beer::beer::beer:

wish_i_had_a_time_machine

OK Sir NID
Sent today as is
Thanks again and will keep you posted
All say eye to NID's Knighthood

eye !