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Proof of identity

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  • Re: Proof of identity

    [QUOTE=icrina53;700248]
    Originally posted by nemesis45 View Post

    Is a list of transactions the first one being dated nov 2010 , the credit card was taken out oct 2009
    Without the agreement and the terms and conditions the debt is unenforceable.

    Please refresh my memory did the judge order you to do anything ?

    Cohen is attempting to baffle you here.
    Can you post a copy of the letter please.

    nem

    Comment


    • Re: Proof of identity

      [QUOTE=nemesis45;700250]
      Originally posted by icrina53 View Post

      Without the agreement and the terms and conditions the debt is unenforceable.

      Please refresh my memory did the judge order you to do anything ?

      Cohen is attempting to baffle you here.
      Can you post a copy of the letter please.

      nem
      I have sent all the paperwork to Kati , hopefully she wont mind uploading it for me. The claim was struck out in February and then Lowell solicitors took over from Cogen and reissue the claim . I defend it , the judge allowed ghem 56 days to reply to my claim and today I received ghis in the post.
      There's T&C's included along with a digital signature application , notice of default plus few pages of transactions.

      Comment


      • Re: Proof of identity

        [QUOTE=icrina53;700254]
        Originally posted by nemesis45 View Post

        I have sent all the paperwork to Kati , hopefully she wont mind uploading it for me. The claim was struck out in February and then Lowell solicitors took over from Cogen and reissue the claim . I defend it , the judge allowed ghem 56 days to reply to my claim and today I received ghis in the post.
        There's T&C's included along with a digital signature application , notice of default plus few pages of transactions.
        Ok this is a " reconstituted " agreement which must have.

        1. Your name and address as it was when the account was opened.

        2. The original creditors name and address as it was when the account was opened.

        3. The terms and conditions relevant when the account was opened.

        4. The terms and conditions relevant when the account was closed.

        5. Any other documents mentioned in the T's & C's.

        You should also have signed current statement of the account.

        So check carefully and I will look at the documents once they are posted.

        Is there actually anything new?

        nem

        Comment


        • Re: Proof of identity

          [QUOTE=nemesis45;700256]
          Originally posted by icrina53 View Post

          Ok this is a " reconstituted " agreement which must have.

          1. Your name and address as it was when the account was opened.

          2. The original creditors name and address as it was when the account was opened.

          3. The terms and conditions relevant when the account was opened.

          4. The terms and conditions relevant when the account was closed.

          5. Any other documents mentioned in the T's & C's.

          You should also have signed current statement of the account.

          So check carefully and I will look at the documents once they are posted.

          Is there actually anything new?

          nem
          Most of the documents were uploaded here already, what is new is the Terms and Conditions and the list of transactions. I will try to find the original uploads and will tag you in .

          - - - Updated - - -

          Originally posted by nemesis45 View Post
          Thanks Kati,

          Is that all there is Icrina if so to my mind it's not enough No terms and conditions?

          nem
          I think it was uploaded on the comment above, I'm on my phone and cannot open the attachment

          Comment


          • Re: Proof of identity

            [QUOTE=icrina53;700257]
            Originally posted by nemesis45 View Post

            Most of the documents were uploaded here already, what is new is the Terms and Conditions and the list of transactions. I will try to find the original uploads and will tag you in .

            - - - Updated - - -



            I think it was uploaded on the comment above, I'm on my phone and cannot open the attachment
            Ok no problem! Does the documentation meet the points I made in post #123?

            nem

            Comment


            • Re: Proof of identity

              Here's some of the paperwork I received. I have few more to upload.
              Attached Files

              Comment


              • Re: Proof of identity

                The first part of their response.

                - - - Updated - - -

                [QUOTE=nemesis45;700258]
                Originally posted by icrina53 View Post

                Ok no problem! Does the documentation meet the points I made in post #123?

                nem
                I have manged to attach most of the documents now, there's still few pages of the T&C's and the transactions .
                Attached Files

                Comment


                • Re: Proof of identity

                  Originally posted by icrina53 View Post
                  Here's some of the paperwork I received. I have few more to upload.
                  It's no different from what was provided previously just statements included.

                  I still maintain that there should be more T's & C's.

                  nem

                  Comment


                  • Re: Proof of identity

                    Here's all the T&C's I have received.
                    Attached Files

                    Comment


                    • Re: Proof of identity

                      Originally posted by nemesis45 View Post
                      It's no different from what was provided previously just statements included.

                      I still maintain that there should be more T's & C's.

                      nem
                      That is correct , but if you look at their response they are asking for my defence to be strike out ,
                      Do ai need to send a response to the court ? or shiuld I wait for a letter in the post?
                      Also the list of transactions that I received starts a year later from when the accoubt was opened.
                      Not sure what to do now😥

                      Comment


                      • Re: Proof of identity

                        Originally posted by icrina53 View Post
                        Here's all the T&C's I have received.
                        Ok Vanquis provide a Grattan credit card? I was not aware of Vanquis providing such cards.

                        nem

                        Comment


                        • Re: Proof of identity

                          This is a page of the transaction list that they sent.

                          - - - Updated - - -

                          Originally posted by nemesis45 View Post
                          Ok Vanquis provide a Grattan credit card? I was not aware of Vanquis providing such cards.

                          nem
                          I don't know. I had a credit card not a shopping account
                          Attached Files

                          Comment


                          • Re: Proof of identity

                            :sorry: [MENTION=54628]icrina53[/MENTION] ... I was just about to upload all those for you xx
                            Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                            It doesn't matter where your journey begins, so long as you begin it...

                            recte agens confido

                            ~~~~~

                            Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                            I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                            But please include a link to your thread so I know who you are.

                            Specialist advice can be sought via our sister site JustBeagle

                            Comment


                            • Re: Proof of identity

                              Originally posted by Kati View Post
                              :sorry: @icrina53 ... I was just about to upload all those for you xx
                              Sorry Kati , I thought you didn't received the emails and had a go myself from my computer at work. Thank you

                              Comment


                              • Re: Proof of identity

                                I'm puzzled as to why the T's & C's are for a Grattan credit card??

                                I 'll see what I can find out.

                                Was your card branded " Grattan" or one of the other brands mentioned on the T's & C's?

                                nem

                                Comment

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