Help Please with Robinson Way

fermi

BertieB1977 wrote: »

Definitely going to ask them for it and see what they come back with, 11 years is a long time ago.

Am I right in thinking no agreement, no proof it's my debt?

Not quite. There may be other ways for them to prove you took out the debt and built it up.

However the credit agreement and their response to a request is an issue in whether they can enforce it in court, especially if prior to April 2007, whether they can prove anything else or not.

It can be quite complicated so just see what they come back with, if anything, and let us know. Then we can go from there.

BertieB1977

fermi wrote: »

Not quite. There may be other ways for them to prove you took out the debt and built it up.

However the credit agreement and their response to a request is an issue in whether they can enforce it in court, especially if prior to April 2007, whether they can prove anything else or not.

It can be quite complicated so just see what they come back with, if anything, and let us know. Then we can go from there.

Thanks Fermi and I'll be sure to let you guys know as you've been a great help thus far

BertieB1977

One thing I forgot to ask the other day is do I have to pay to see a copy of my credit agreement, I've read some articles that say yes and some that say no?

Thanks

BertieB1977

One thing I forgot to ask the other day is do I have to pay to see a copy of my credit agreement, I've read some articles that say yes and some that say no?

Thanks

sourcrates

BertieB1977 wrote: »

One thing I forgot to ask the other day is do I have to pay to see a copy of my credit agreement, I've read some articles that say yes and some that say no?

Thanks

Its called a CCA request (a request for a copy of your credit agreement, google it if unsure), the statutory fee is £1, payable either by cheque or postal order.

fermi

https://www.nationaldebtline.org/EW/factsheets/Pages/39%20EW%20Credit%20agreements%20-%20getting%20information/Page-04.aspx

Dear Sir/Madam

Account No: _________________________

With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.

I/we understand that under the Consumer Credit Act 1974 (sections 77-79), I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.

I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I/we understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

I/we look forward to hearing from you.

Yours faithfully

BertieB1977

Thanks Fermi - appreciate all you're help :-)

BertieB1977

fermi wrote: »

https://www.nationaldebtline.org/EW/factsheets/Pages/39%20EW%20Credit%20agreements%20-%20getting%20information/Page-04.aspx

On the above sample letter would I be OK to add in something around the fact that they've sent me a letter asking me to pay £10 per month until June (when it will be reviewed) and that as a gesture of goodwill I'm willing to pay that at this stage?

BertieB1977

On the above sample letter would I be OK to add in something around the fact that they've sent me a letter asking me to pay £10 per month until June (when it will be reviewed) and that as a gesture of goodwill I'm willing to pay that at this stage?

fermi

You do whatever you feel is best. I would not suggest you just stop paying at this stage.