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Can You Trust An Email ?
Money-come-lately
Posts: 86 Forumite
Just been on the phone to a DCA. They offered to reduce my amount owed from £8000 to £6000 if I paid within 7 days. They sent me an email confirming this. It is an email from their official email address.
Two questions :
1 : Can they go back on this if I pay the 6k within 7 days ?
2 : If they do is the email legally binding ?
Help please !!
Two questions :
1 : Can they go back on this if I pay the 6k within 7 days ?
2 : If they do is the email legally binding ?
Help please !!
0
Comments
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I think it is legally binding but you may wish to check with the CAB.
Keep the email and print a copy in the meantime!Bank Balance: In the black for the moment.
Sainsburys Loan: Cleared July 2010
Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
0 -
Technically under the electronic communications act it is enforceable, however for the sake of waiting day or two you are far better off getting a signed offer in the mail, and then most importantly making the payment via a 3rd party so that no futher claims may be made.LookingAhead wrote:I think it is legally binding but you may wish to check with the CAB.
Keep the email and print a copy in the meantime!:rolleyes: It’s hard enough remembering my opinions - without remembering my reasons for them :rolleyes:0 -
Also make sure it is in full and final settlement, so they can't come after you afterwards for more. This will also ensure the debt is marked satisfied on your credit record.0
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Hi, yes it is marked as full and final settlement in the email.
Also, if I send it via recorded delivery will that prove that they recieved it?0 -
Yes it will. You can request a POD (proof of delivery) from Royal Mail.
Incidently, any agreement you make with anyone is legally binding, the trick is is proving it. In the case of Emails, you have proof.[strike]-£20,000[/strike] 0!0 -
Technically yes, but in cases such as this you must be careful to make payment via a 3rd party, if you pay directly even with an offer of “FULL & FINAL” the creditor can lawfully pursue you for the rest of the account in the future.Dr.Shoe wrote:Incidently, any agreement you make with anyone is legally binding, the trick is is proving it. In the case of Emails, you have proof.:rolleyes: It’s hard enough remembering my opinions - without remembering my reasons for them :rolleyes:0 -
Its because they would rather have £6000 now in their pocket and close the case, rather than £2 a week for the next 12 years...0
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