Tweet
Halifax credit card agreement Sept 2006- is it properly executed?
Hello there, I have a credit card agreement that I would like to check (outstanding balance around £1800). It was taken in 2006 and I have paid an extorsionist amount of interests already on it. The balance remains more or less unchanged while interest accrued and at one point I realised I was paying too slowly to ever clear my balance. In 2008 I was advised to dispute it on the ground of the copy they sent me not having the creditor signature. This worked perfectly for a few years (I had a few agencies sending me letters but I have dealt with by mentioning the lack of compliance and they would just disappear and sell the debt to someone else). Now another agency must have bought the debt and it's reclaming payment. They wrote to me and made me aware that the terms have changed, after the judgement Carey v HSBC the credit agreement will be considered enforceable even without the creditor signature.
For this reason I would like to make sure whether this agreement is properly executed as the rules have changed and new judgements have been made, perhaps this agreement is now enforceable.
I would be most grateful if someone could have a look at it and let me know where I stand.
Best wishes,
Tiger
For this reason I would like to make sure whether this agreement is properly executed as the rules have changed and new judgements have been made, perhaps this agreement is now enforceable.
I would be most grateful if someone could have a look at it and let me know where I stand.
Best wishes,
Tiger
Comment