Proof of identity

[nemesis45]

Re: Proof of identity

[QUOTE=icrina53;700248]

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

[icrina53]

Re: Proof of identity

[QUOTE=nemesis45;700250]

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.

[nemesis45]

Re: Proof of identity

[QUOTE=icrina53;700254]

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

[icrina53]

Re: Proof of identity

[QUOTE=nemesis45;700256]

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 - - -

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

[nemesis45]

Re: Proof of identity

[QUOTE=icrina53;700257]

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

[icrina53]

Re: Proof of identity

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

[icrina53]

Re: Proof of identity

The first part of their response.

- - - Updated - - -

[QUOTE=nemesis45;700258]

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 .

[nemesis45]

Re: Proof of identity

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

[icrina53]

Re: Proof of identity

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

[icrina53]

Re: Proof of identity

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😥

[nemesis45]

Re: Proof of identity

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

[icrina53]

Re: Proof of identity

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

- - - Updated - - -

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

[Kati]

Re: Proof of identity

:sorry: [MENTION=54628]icrina53[/MENTION] ... I was just about to upload all those for you xx

[icrina53]

Re: Proof of identity

: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

[nemesis45]

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