JayZ vs Cahoot CCA

[[JayZ]]

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.

[old_andrew2007]

Bump

[[JayZ]]

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

[[JayZ]]

*bump* anyone help?

[old_andrew2007]

Another bump

[[JayZ]]

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.

[old_andrew2007]

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

[craigers]

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!!

[[JayZ]]

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]

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

[steven4064]

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.

[[JayZ]]

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]

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

[craigers]

steven, what are your thoughts on the fact the card and overdraft are in the same agreement?

[steven4064]

I think it makes it aultiple agreement at the very least