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

[meerkatsmimm]

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--

[Steward]

You can use Google to search the web using these links below:-

[meerkatsmimm]

anybody? x

[steven4064]

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]

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

[steven4064]

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

[meerkatsmimm]

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]

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

[meerkatsmimm]

Thanks Steven,

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