JayZ vs Cahoot CCA

[JayZ] · 8th May 2009, 18:29

Hi All,

Some time ago now after a Subject access request autolinker.com autolinking image

, i received my CCA from a DCA autolinker.com autolinking image

.
The original was one A4 printed both sides, but below it was sent to me in two parts.

Does anyone know the authenticity/enforceability on these?

The signature autolinker.com autolinking image

from the lender is dated nearly a year later of me signing the agreement, so does this mean the agreement has not been properly executed?

Also in respect of the agreement, should the prescribed terms be contained in the signature document?

Sorry if they come out a little on the big side, otherwise the writing is not too good.

Thanks all.

old_andrew2007 · 11th May 2009, 14:30

[JayZ] · 11th May 2009, 15:17

Seems to be a little quiet in this area of Abbey/Cahoot...

[JayZ] · 15th May 2009, 16:55

*bump* anyone help?

old_andrew2007 · 15th May 2009, 23:04

Another bump

[JayZ] · 17th May 2009, 20:33

I have had a further letter from the DCA autolinker.com autolinking image

of FORMAL PAYMENT.

Im going to try another CPR Request now... but can anyone please tell me if the CCA is legal or Enforceable?

Hope someone can help...

Many thanks.

old_andrew2007 · 17th May 2009, 22:47

You could consider asking the site team if they can direct someone with expertise to look at your thread.
You can do this by clicking on the red triangle

this will open a dialogue box where you can leave a message for the site team.

Andy

craigers · 18th May 2009, 09:29

I'm in the same boat pal. The two things that spring to mind for me are 1: the validity of having the credit card and overdraft autolinker.com autolinking image

in the same agreement, 2: did you travel back in time to sign the agreement? cahoot signed it in 2003, sent it to you, and you dated it 2002!!

[JayZ] · 18th May 2009, 10:06

Thanks for your replies.

Andy, i will try what you have said, thanks.

craigers, at least im not alone.

To be honest with you regarding the signed year i do not understand how i signed it a year before to be honest... you can understand when going into a new year but were talking about 10 months later... lol.

I thought they would of picked that up on sending back CCA?

craigers · 18th May 2009, 10:24

in all honesty i doubt a court would take issue with the date, but who knows?

steven4064 · 18th May 2009, 16:26

Hi JayZ

To be enforceable, the agreement msut have you signature autolinker.com autolinking image

and the prescribed terms in the same document. The prescribed terms on on the first page of the agreement in post #1 and the signature (obviously) on the second page. Presumably these two pages are back and front of the original -I'm sure a court would think so - so that would make the agreement enforceable. The dates oddity might make it not properly executed but it would not affect the enforceability.

[JayZ] · 18th May 2009, 18:53

Steven, many thanks for the reply.

By the looks of what you have said and other in similar circumstances, looks like these Cahoot CCA's are enforcable.

Your right in saying that both sides are printed one one A4.

Thanks.

steven4064 · 18th May 2009, 19:37

I think so - in fact I have a Cahoot credit card so am familiar with their agreements.

craigers · 19th May 2009, 09:56

steven, what are your thoughts on the fact the card and overdraft autolinker.com autolinking image

are in the same agreement?

steven4064 · 19th May 2009, 12:27

I think it makes it aultiple agreement at the very least

8th May 2009, 18:29	#1 (permalink)
[JayZ] Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Sep 2008 Posts: 17	JayZ vs Cahoot CCA Hi All, Some time ago now after a Subject access request, i received my CCA from a DCA. The original was one A4 printed both sides, but below it was sent to me in two parts. Does anyone know the authenticity/enforceability on these? The signature from the lender is dated nearly a year later of me signing the agreement, so does this mean the agreement has not been properly executed? Also in respect of the agreement, should the prescribed terms be contained in the signature document? Sorry if they come out a little on the big side, otherwise the writing is not too good. Thanks all.

11th May 2009, 14:30	#2 (permalink)
old_andrew2007 Gold Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Jan 2007 I am in: West Midlands Posts: 4,495	Re: JayZ vs Cahoot CCA Bump

11th May 2009, 15:17	#3 (permalink)
[JayZ] Basic Account Holder Give yourself a better chance with our claims guides and litigation kits Cagger since : Sep 2008 Posts: 17	Re: JayZ vs Cahoot CCA Seems to be a little quiet in this area of Abbey/Cahoot...

15th May 2009, 16:55	#4 (permalink)
[JayZ] Basic Account Holder Try our new digital signature service Cagger since : Sep 2008 Posts: 17	Re: JayZ vs Cahoot CCA bump anyone help?

15th May 2009, 23:04	#5 (permalink)
old_andrew2007 Gold Account Holder Try our new digital signature service Cagger since : Jan 2007 I am in: West Midlands Posts: 4,495	Re: JayZ vs Cahoot CCA Another bump

17th May 2009, 20:33	#6 (permalink)
[JayZ] Basic Account Holder Protect your signature with SignGuard Cagger since : Sep 2008 Posts: 17	Re: JayZ vs Cahoot CCA I have had a further letter from the DCA of FORMAL PAYMENT. Im going to try another CPR Request now... but can anyone please tell me if the CCA is legal or Enforceable? Hope someone can help... Many thanks.

17th May 2009, 22:47	#7 (permalink)
old_andrew2007 Gold Account Holder eBay user? Find misspellings and zero-bid items Cagger since : Jan 2007 I am in: West Midlands Posts: 4,495	Re: JayZ vs Cahoot CCA You could consider asking the site team if they can direct someone with expertise to look at your thread. You can do this by clicking on the red trianglethis will open a dialogue box where you can leave a message for the site team. Andy

18th May 2009, 09:29	#8 (permalink)
craigers Basic Account Holder Worried about companies stealing your signature? Use our new digital signature service Cagger since : Oct 2008 Posts: 535	Re: JayZ vs Cahoot CCA I'm in the same boat pal. The two things that spring to mind for me are 1: the validity of having the credit card and overdraft in the same agreement, 2: did you travel back in time to sign the agreement? cahoot signed it in 2003, sent it to you, and you dated it 2002!!

18th May 2009, 10:06	#9 (permalink)
[JayZ] Basic Account Holder Give yourself a better chance with our claims guides and litigation kits Cagger since : Sep 2008 Posts: 17	Re: JayZ vs Cahoot CCA Thanks for your replies. Andy, i will try what you have said, thanks. craigers, at least im not alone. To be honest with you regarding the signed year i do not understand how i signed it a year before to be honest... you can understand when going into a new year but were talking about 10 months later... lol. I thought they would of picked that up on sending back CCA?

18th May 2009, 10:24	#10 (permalink)
craigers Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Oct 2008 Posts: 535	Re: JayZ vs Cahoot CCA in all honesty i doubt a court would take issue with the date, but who knows?

18th May 2009, 16:26	#11 (permalink)
steven4064 Site Team Our auction sniper is now live. Try it for free Cagger since : Dec 2006 I am in: Lancashire Posts: 13,802	Re: JayZ vs Cahoot CCA Hi JayZ To be enforceable, the agreement msut have you signature and the prescribed terms in the same document. The prescribed terms on on the first page of the agreement in post #1 and the signature (obviously) on the second page. Presumably these two pages are back and front of the original -I'm sure a court would think so - so that would make the agreement enforceable. The dates oddity might make it not properly executed but it would not affect the enforceability. __________________ Steven Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial Do you want to know if a credit agreement is enforceable? Rather than sending a PM about a particular agreement, see Consumer Credit Agreements My Claims GE Money Won unconditionally May 2007 NatWest Claim 1 Won unconditionally August 2007 NatWest Claim 2 Statements received - on hold NatWest Claim 3 LBA sent - on hold Brighthouse Won unconditionally August 2007 Goldfish *Won unconditionally April 2008 (including CI on the basis of Sempra)* Next Catalogue - Statements recieved Clydesdale Financial Services Won unconditionally February 2008 Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site. Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

18th May 2009, 18:53	#12 (permalink)
[JayZ] Basic Account Holder Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since : Sep 2008 Posts: 17	Re: JayZ vs Cahoot CCA Steven, many thanks for the reply. By the looks of what you have said and other in similar circumstances, looks like these Cahoot CCA's are enforcable. Your right in saying that both sides are printed one one A4. Thanks.

18th May 2009, 19:37	#13 (permalink)
steven4064 Site Team Protect your signature with SignGuard Cagger since : Dec 2006 I am in: Lancashire Posts: 13,802	Re: JayZ vs Cahoot CCA I think so - in fact I have a Cahoot credit card so am familiar with their agreements. __________________ Steven Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial Do you want to know if a credit agreement is enforceable? Rather than sending a PM about a particular agreement, see Consumer Credit Agreements My Claims GE Money Won unconditionally May 2007 NatWest Claim 1 Won unconditionally August 2007 NatWest Claim 2 Statements received - on hold NatWest Claim 3 LBA sent - on hold Brighthouse Won unconditionally August 2007 Goldfish *Won unconditionally April 2008 (including CI on the basis of Sempra)* Next Catalogue - Statements recieved Clydesdale Financial Services Won unconditionally February 2008 Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site. Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

19th May 2009, 09:56	#14 (permalink)
craigers Basic Account Holder Protect your signature with SignGuard Cagger since : Oct 2008 Posts: 535	Re: JayZ vs Cahoot CCA steven, what are your thoughts on the fact the card and overdraft are in the same agreement?

19th May 2009, 12:27	#15 (permalink)
steven4064 Site Team Watch out, there are Claims Touts about! Cagger since : Dec 2006 I am in: Lancashire Posts: 13,802	Re: JayZ vs Cahoot CCA I think it makes it aultiple agreement at the very least __________________ Steven Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial Do you want to know if a credit agreement is enforceable? Rather than sending a PM about a particular agreement, see Consumer Credit Agreements My Claims GE Money Won unconditionally May 2007 NatWest Claim 1 Won unconditionally August 2007 NatWest Claim 2 Statements received - on hold NatWest Claim 3 LBA sent - on hold Brighthouse Won unconditionally August 2007 Goldfish *Won unconditionally April 2008 (including CI on the basis of Sempra)* Next Catalogue - Statements recieved Clydesdale Financial Services Won unconditionally February 2008 Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site. Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.