How Do I Get A Signed Copy Of A Credit Agreement from JD Williams

happy_bunny_2

CHRISSYG wrote: »

op- don't waste your time fighting them- i did earlier this year but the response from the FOS [think thats who was involved ] was by using the catalog its assumed you agree to the t & c so no signed copy is required.

They also said that after a recent ruling they wont even look to see if the t & c are unfair all they can do is act if a retailer is not working within their own t& c however unfair they are.

Was this ruling specific to stopping interest when in financial difficulty?

There is the huge thread regarding the Cahoot/Santander flexi loans that the FOS refused to act on based on the terms and conditions. But this has no impact on financial difficulty.

HB

BenjamiN

Home at last!

In answer to your questions guys:
- my wife is claiming all she's entitled to (Although were about to go head to head with ATOS Who will no doubt claim that my morphine dosed wheelchair based wife who sleeps 16hrs a day is able to work as a fitness instructor. I'll keep you posted!

I've read the links and on the advice given I'm thinking that the no signature / no contract argument may be a lot of work for likely no benefit I'm thinking a final letter of complaint to SimplyNo with a direct threat of FOM, and then when they say no (a certainty) then I'll fire it off to the FOM.

Can I cite the 2 FOM cases in the letter to SimplyNo or even the impending FOM Letter do you think?

happy_bunny_2

I would just tell them you await their final response and if they won't help you by freezing interest you will be referring to FOS where you believe similar cases have been upheld.

The thought of the FOS referral fee alone may make them see sense.

National_Debtline

Hello there, I have a quick question if I may. How much do you owe to them, and have you other debts too?

Best wishes,

David @ NDL.