Debt collector cannot produced a signed contract
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ABates
Posts: 4 Newbie
Hello,
I have a credit card debt to the value of £3k est and a certain scottish debt collection agency has been chasing me for 4 years for this debt (daily calls...).
They had gone quiet until I updated my electoral role data this month and now they're coming at full force once again.
I've asked them to produce all statements and a signed contract with the lender. They produced a letter and supposed contract from the lender however there is no signature of mine on the document. The box is empty.
I have not acknowledged this debt. Do I have an argument to have the debt written off?
Many thanks,
I have a credit card debt to the value of £3k est and a certain scottish debt collection agency has been chasing me for 4 years for this debt (daily calls...).
They had gone quiet until I updated my electoral role data this month and now they're coming at full force once again.
I've asked them to produce all statements and a signed contract with the lender. They produced a letter and supposed contract from the lender however there is no signature of mine on the document. The box is empty.
I have not acknowledged this debt. Do I have an argument to have the debt written off?
Many thanks,
0
Comments
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It doesn’t have to have your signature on it. For example, if you opened the account online you may well have signed it “digitally” and there is no document with your physical signature – this is perfectly legal.I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
0 -
Hello, should there not also be a digital signature then?
There is a 'Customer signature: ' blank
and a tick box ticked
and a date of customer signature.0 -
Perfectly legal unfortunately
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/545098/beis-16-15-electronic-signatures-guidance.pdf
"Simple electronic signatures – these include scanned signatures and tickbox plus
declarations."0 -
There is no requirement within the consumer credit act for a copy agreement to bear a signature.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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How close is this to being statute barred ?0
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