Signed Credit Agreement Pre 2007
“Once you find that the agreement is flawed, the court does not have the power to issue an execution warrant in favour of the creditor, at least through one of the many specific channels,” says lawyer Oliver Mishcon. Read YOU CONC it says “The copy of the executed agreement should be a “true” copy of the original. However, as confirmed in the case of Carey/HSBC Bank plc  EWHC 3417 (QB), the term “true copy” does not necessarily mean, in this context, a carbon, a photocopy, a microfiche copy or any other specific copy of the signed agreement. There is no obligation to provide a copy containing a copy of the signature. So this generic form proves it`s my fault? I don`t see how it does, but it seems to match CONC. Thank you so much for that I passed the article so many times and I checked the document sent and it`s clearly a copy of my credit application and nothing else. Is there a time frame in which I can simply ignore them if they do not produce the agreement? The application was filed in June 2019, which goes well beyond the 12 working days or even a few months after the response. What I am trying to say is to rewrite and ask for the same agreement and stick to that. I haven`t paid anything for the debts for about 4 years, so I can`t say I won`t pay if I don`t make a payment. I hope I make sense.
If the creditor is seriously threatening to take legal action, always seek the CCA agreement. It`s worth a try! Under the Consumer Credit Act, you have the right to ask a creditor for a copy of your agreement and a statement of account only if you still owe them money in the account. If you have all of your debts or if your lender sued, you may not have those rights. But if you already have a CCJ for a debt, it`s too late to ask for the CCA agreement, since the creditor doesn`t have to send it. If you have just learned about the CCJ, you should consider their options to “set aside” and not submit a request for the CCA agreement. Hello Sara, I recently filed a complaint with Tesco about a credit card I took in 2014. I think the card should never have been given to me (only a very large credit with Tesco two months earlier, and maxed out another 9k card that I withdrew 3 months earlier). Tesco said they didn`t think they could investigate my complaint because the card was removed more than 6 years ago.