Unsigned letters - CC won't action

Culex

chuckley wrote: »

i read that u don't have to physically sign and that a typed name is acceptable?! ive done a CCA request and immediately got a response of 'sorry we don't have it' and they sent me back the PO. Gutted... as it was crossed. £1 down the drain.

How is it a waste of money to have a document that proves the debt may not be enforceable?

Gordon_Hose

chuckley wrote: »

i read that u don't have to physically sign and that a typed name is acceptable?! ive done a CCA request and immediately got a response of 'sorry we don't have it' and they sent me back the PO. Gutted... as it was crossed. £1 down the drain.

lol, the debt is unenforceable, and they admitted it...that's got to be worth a pound of your hard earned cash, surely?

ILW

They have not admitted that the debt is unenforceable, just that they do not have the original agreement.

Gordon_Hose

Which makes in unenforceable.

ILW

No it doesn't in most cases. A reconstituted agreement is acceptable to a court.

Gordon_Hose

Even if they don't have the customers signature?

If they don't have a CCA, then it's unlikely they have a signature.

dzug1

Gordon_Hose wrote: »

Even if they don't have the customers signature?

If they don't have a CCA, then it's unlikely they have a signature.

Yes - even if they don't have the customer's signature

ILW

Gordon_Hose wrote: »

Even if they don't have the customers signature?

If they don't have a CCA, then it's unlikely they have a signature.

Signature is not required, the fact that the money was taken and some payments have been made is enough to prove a contract exists in most cases.


This is why nearly all of the "debt write off" claim companies have gone out of business.

Gordon_Hose

Ah right, so anyone can rock up with a reconstituted CCA, claim you owe money (even if you don't) and get it enforced in court.

Nice one.

ILW

Gordon_Hose wrote: »

Ah right, so anyone can rock up with a reconstituted CCA, claim you owe money (even if you don't) and get it enforced in court.

Nice one.

They would have to demostrate that you had taken the money.

If it is out and out fraud (identity theft etc.) then that is a different matter.