Is this CCA enforceable!?

[Spellkaster]

I asked by bank, Halifax for a copy of my credit agreement, and I have some concerns with what they have provided me with.

Conditions 5, 8.1 and 12.2 are mentioned, but were not provided.

There appears to be 5 missing pages.

No T's and C's were provided either.

Not been signed by the bank in the correct box.

Pre April 2007.

I have written to Halifax informing them the debt is unenforceable, I have given them an income and expenditure sheet, and shown evidence I have an ongoing mental health problem, meaning I am unable to pay the debt.

To date, the letter has been ignored by Halifax.

What can I do if they keep hassling me for money they know I dont have, and that the agreement might not be enforceable?

[MIKE770]

Re: Is this CCA enforceable!?

I asked by bank, Halifax for a copy of my credit agreement, and I have some concerns with what they have provided me with.

Conditions 5, 8.1 and 12.2 are mentioned, but were not provided.

There appears to be 5 missing pages.

No T's and C's were provided either.

Not been signed by the bank in the correct box.

Pre April 2007.

I have written to Halifax informing them the debt is unenforceable, I have given them an income and expenditure sheet, and shown evidence I have an ongoing mental health problem, meaning I am unable to pay the debt.

To date, the letter has been ignored by Halifax.

What can I do if they keep hassling me for money they know I dont have, and that the agreement might not be enforceable?

You state no signature ?? what has been covered up?

[Spellkaster]

Re: Is this CCA enforceable!?

You state no signature ?? what has been covered up?

My signature, the bank's signature is missing!!

[MIKE770]

Re: Is this CCA enforceable!?

My signature, the bank's signature is missing!!

Do not rely using that argument, DJs seem to ignore that fact, unless of course you have a good solicitor who sticks to the legislation and makes them, been trough that one and lost the point.