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What do people say to this mail I received from the Halifax that says they dont have to show a signature to make a contract ENFORCEABLE.
DATE 1st October 2009
The copy of the agreement enclosed with this letter complies with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (the "Regulations"). Regulation 3(2)(b) provides that a copy can omit any signature box, signature or date of signature. In summary we are not required to produce a copy with your clients signature on it. By providing a copy of the agreement complying with the requirements of the Regulations the agreement remains enforceable.
By providing you with the documents attached to this letter, we have satisfied our obligation to provide a copy of the executed agreement under Section 78. As such, the agreement you have with us is fully enforceable and we shall continue to treat it as such. We will not be entering into any further correspondence with you regarding the requirements relating to the provision of copy agreement. If you are using the services of a claims management company we would like to remind you of the recent warnings issued by the Ministry of Justice and Citizens Advice Bureau. You can find more details about both at:
http://www.iustice.gove.uk/new/newsrealeasel70209a.htm and http://www.citizensadvice.org.uk/press 20090217
The Ministry of Justice headline reads "Businesses that mislead the public by claiming they can arrange for unpaid loans, credit card debts or other consumer debts to be written off have been told to stop or face action Justice Minister Bridget Prentice said today, as new guidance was issued by the Ministry of Justice".
DATE 1st October 2009
The copy of the agreement enclosed with this letter complies with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (the "Regulations"). Regulation 3(2)(b) provides that a copy can omit any signature box, signature or date of signature. In summary we are not required to produce a copy with your clients signature on it. By providing a copy of the agreement complying with the requirements of the Regulations the agreement remains enforceable.
By providing you with the documents attached to this letter, we have satisfied our obligation to provide a copy of the executed agreement under Section 78. As such, the agreement you have with us is fully enforceable and we shall continue to treat it as such. We will not be entering into any further correspondence with you regarding the requirements relating to the provision of copy agreement. If you are using the services of a claims management company we would like to remind you of the recent warnings issued by the Ministry of Justice and Citizens Advice Bureau. You can find more details about both at:
http://www.iustice.gove.uk/new/newsrealeasel70209a.htm and http://www.citizensadvice.org.uk/press 20090217
The Ministry of Justice headline reads "Businesses that mislead the public by claiming they can arrange for unpaid loans, credit card debts or other consumer debts to be written off have been told to stop or face action Justice Minister Bridget Prentice said today, as new guidance was issued by the Ministry of Justice".
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