Meerkat's MIL vs EGG, Agreement signed yrs after initial app

meerkatsmimm · 23rd May 2009, 00:05

Hi,

Just a quick question - MIL received a copy of a credit agreement for egg.

Seems to be a bit 'hashed' together. However, her signature autolinker.com autolinking image

is dated with 10/05/08, even though all the printed dates are in 2005 when the card was taken out. She doesn't recall signing anything in May 2008, for them to have 'lifted' a signature from in order to piece together a document. In fact, she does not recall signing anything for a few years with Egg so it is a mystery.

Can anyone shed any light on whether this agreement is enforceable given that the signature date on her credit agreement is years after the initial application?

Thanks in advance,

Meerkatsmimm--

meerkatsmimm · 23rd May 2009, 14:37

anybody? x

steven4064 · 23rd May 2009, 18:50

I would write and ask them to explain the discrepancy - tell them that the agreement cannot possibly be enforceable if they have falsified it, in fac they will have commited an offence and you will repoirt it to the relevant authorities.

meerkatsmimm · 23rd May 2009, 19:13

Hi Steven,

This is my thoughts, however what if there was another scenario.

What if my MIL made the mistake when signing and they let this slip through? Not saying this is the case (she doesnt remember), but what if they let a date on a signature autolinker.com autolinking image

slip through when they were checking compliance of signed agreements recieved back?

Can they enforce this either way?

Can she demand repayment of all monies paid to Egg up until that date in 2008, as technically there was no agreement until this time?

I dont want to accuse them of falsifying it, as obviously we just cant be sure. Either way though what is her next move?

Hers was also one of the terminated agreements last Feb. and her signature on her agreement is dated 3 months after this. Surely this to means that the agreement has no meaning?

Thanks for the advice, I just couldnt find anything like this elsewhere!

meerkat x

steven4064 · 23rd May 2009, 19:30

I would writwe and ask them to explain. includethe fact thatthe date is 3 months after the agreement was (unlawfully) ended

meerkatsmimm · 23rd May 2009, 19:36

Thanks Steven,

Can we legally place the account in dispute?

Want to stop making payments on this but my MIL cant afford to have her Credit history destroyed in the process as she was hoping to move in the next 12 months.

In your opinion what would I expect to get back as a response to asking for an explanation and what can they do to enforce this agreement?

Thanks,

meerkat x

steven4064 · 23rd May 2009, 21:35

I don't know is the honest answer, that is why I suggested you ask them for an explanation

meerkatsmimm · 23rd May 2009, 22:04

Thanks Steven,

Ill get the letter drafted tomorrow for Tuesdays post. Im sure their answer will be interesting.

23rd May 2009, 00:05	#1 (permalink)
meerkatsmimm Basic Account Holder Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since : Mar 2009 I am in: Yorkshire Posts: 558	Meerkat's MIL vs EGG, Agreement signed yrs after initial app Hi, Just a quick question - MIL received a copy of a credit agreement for egg. Seems to be a bit 'hashed' together. However, her signature is dated with 10/05/08, even though all the printed dates are in 2005 when the card was taken out. She doesn't recall signing anything in May 2008, for them to have 'lifted' a signature from in order to piece together a document. In fact, she does not recall signing anything for a few years with Egg so it is a mystery. Can anyone shed any light on whether this agreement is enforceable given that the signature date on her credit agreement is years after the initial application? Thanks in advance, Meerkatsmimm--

23rd May 2009, 14:37	#2 (permalink)
meerkatsmimm Basic Account Holder Try our new digital signature service Cagger since : Mar 2009 I am in: Yorkshire Posts: 558	Re: Meerkat's MIL vs EGG, Agreement signed yrs after initial app anybody? x

23rd May 2009, 18:50	#3 (permalink)
steven4064 Site Team Protect your signature with SignGuard Cagger since : Dec 2006 I am in: Lancashire Posts: 13,797	Re: Meerkat's MIL vs EGG, Agreement signed yrs after initial app I would write and ask them to explain the discrepancy - tell them that the agreement cannot possibly be enforceable if they have falsified it, in fac they will have commited an offence and you will repoirt it to the relevant authorities. __________________ 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.

23rd May 2009, 19:13	#4 (permalink)
meerkatsmimm Basic Account Holder Have we helped you? Please help us by making a donation Cagger since : Mar 2009 I am in: Yorkshire Posts: 558	Re: Meerkat's MIL vs EGG, Agreement signed yrs after initial app Hi Steven, This is my thoughts, however what if there was another scenario. What if my MIL made the mistake when signing and they let this slip through? Not saying this is the case (she doesnt remember), but what if they let a date on a signature slip through when they were checking compliance of signed agreements recieved back? Can they enforce this either way? Can she demand repayment of all monies paid to Egg up until that date in 2008, as technically there was no agreement until this time? I dont want to accuse them of falsifying it, as obviously we just cant be sure. Either way though what is her next move? Hers was also one of the terminated agreements last Feb. and her signature on her agreement is dated 3 months after this. Surely this to means that the agreement has no meaning? Thanks for the advice, I just couldnt find anything like this elsewhere! meerkat x

23rd May 2009, 19:30	#5 (permalink)
steven4064 Site Team Protect your signature with SignGuard Cagger since : Dec 2006 I am in: Lancashire Posts: 13,797	Re: Meerkat's MIL vs EGG, Agreement signed yrs after initial app I would writwe and ask them to explain. includethe fact thatthe date is 3 months after the agreement was (unlawfully) ended __________________ 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.

23rd May 2009, 19:36	#6 (permalink)
meerkatsmimm Basic Account Holder Protect your signature with SignGuard Cagger since : Mar 2009 I am in: Yorkshire Posts: 558	Re: Meerkat's MIL vs EGG, Agreement signed yrs after initial app Thanks Steven, Can we legally place the account in dispute? Want to stop making payments on this but my MIL cant afford to have her Credit history destroyed in the process as she was hoping to move in the next 12 months. In your opinion what would I expect to get back as a response to asking for an explanation and what can they do to enforce this agreement? Thanks, meerkat x

23rd May 2009, 21:35	#7 (permalink)
steven4064 Site Team We need funds Please donate something Cagger since : Dec 2006 I am in: Lancashire Posts: 13,797	Re: Meerkat's MIL vs EGG, Agreement signed yrs after initial app I don't know is the honest answer, that is why I suggested you ask them for an explanation __________________ 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.

23rd May 2009, 22:04	#8 (permalink)
meerkatsmimm Basic Account Holder Protect your signature with SignGuard Cagger since : Mar 2009 I am in: Yorkshire Posts: 558	Re: Meerkat's MIL vs EGG, Agreement signed yrs after initial app Thanks Steven, Ill get the letter drafted tomorrow for Tuesdays post. Im sure their answer will be interesting.