Hi I received a letter in July asking me to pay a bill from around 7 years ago. They insist it is me so I asked the for POC and sent the £1 and did an SAR on them too. This produced no information other than a photocopy of the original contract which although signed did not include any identification used / date of birth from application form or address! This is not acceptable as proof as far as I am concerned. I sent them a high resolution photo of my passport but made sure not to include the signature or any of the ID numbers, only a photo and the date of birth etc (the water marking etc is very clear and visible for them - without them seeing the real document its obvious its 9.99 out of 10 the real thing) as I have read that rogue DCA could use it to forge letters etc. The company have written back to me saying they want a full copy of the passport including signature. Please can you help me out with what to say. I don't want to tell them I think they are rogue, how could I nicely put it, and is the onus on them to produce proof? Regards Ian

Hi, I have spent a fair while searching the forums for this, but cannot find a similar problem, so here goes.. I am being chased by Lowells for a cc debt with HBOS unpaid from 2009, it seems to have just been taken over. I recently sent a SAR to HBOS with my signiature on the anti tamper signature image I found on here. I have finally have[ATTACH=CONFIG]45409[/ATTACH] a reply acknowledging my request and the fee, but within the letter it states 'Unfortunately we are unable to verify your signature' and that I need to call them, which of course I have no intention of doing so. My SAR and the reply are attached, with all the personal information removed. How can I reply to this, and does this then constitute being in dispute? Many thanks in advance.

I have made a post today on my iPad and signature box was ticked but it didn't display it. I edited the post and unticked signature and saved the changes. I edited again and ticked signature and it showed when I clicked preview but doesn't show when changes are saved. Despite this, I can see my signature on posts from a few days ago. Same issue on my iPhone and I do use the full version as opposed to the mobile one. No probs on MacBook so perhaps it's an iOS issue. Any thoughts?

I have a 2005 application form sent in reply to a CCA request. I'm happy that's it's unenforceable as a CCA, but one issue I'm particularly interested in is Cap One's signature on the form. Just want to know if they hand signed them. It looks hand signed, but does anyone know if this would have been the case? I can't attach mine at the moment, but it's the same as in post number 62 on page 4 of debtuptomyeyeballs thread entitled Help-Needed-Capital-One-Default-Served (can't post links)

Hi All, 1st post of my own, been a reader of the forum for a couple of years now and it's been really helpful. anyway.... I've been working to clear up my credit file for a few years, had some defaults which have dropped off all but one which falls off in a couple of weeks. For the 6-12 month I've held vanquish/aqua/luma cards and made all payments to build up some rating, also managed to get a T-Mobile phone contract with defaults , which is also all good, so here's me hoping for an ok rating when this last default expires, but since updating my previous addresses on creditexpert, I've noticed another account appear, a provident doorstep loan taken out in 2007. Here's the best bit, I've never taken any finance with this company nor have I ever made any payments , my credit file says differently. Now I am aware of what provident do and how they work as my ex is an agent for them, still is I believe. Back in 2007 she recruited a couple of her friends into the job and I recall there being some sort of incentive bonus for signing up new customers. It seems that an agent has taken out a loan in my name (£500 56 weeks x £15) they must have used my details and just paid it back themselves therefore me not having any record or knowledge of it. So this is basically fraud, and to make things worse, the payment history is really bad, not quite a default but a whole string of 6's across my file. It states that the debt was settled in 2011 (3yrs after it should have been, guessing it went to a DCA who didn't manage to get in touch with me, or I would have known earlier) , so would be 2017 before it disappeared from my file, even if it was all green and paid correctly, I don't want anything such as a 'home loan' on my file. I got straight on the phone to provident and explained as above, they have written back today and enclosed my signed credit agreement, which oddly has a signature nothing like mine on it. So there is my proof, just as I suspected, however they also say that I must send them a copy of my signature to progress their investigation, and then they MAY send a security officer to see me and validate my ID and signature. So a company that has already used my details fraudulently, want me to send them a valid signature!!!! yeah right. I rang them and explained I was reluctant to provide this for obvious reasons but more than willing to show my signature and ID to one of their officers should they want to send one to see me, but I was advised they wouldn't send one and couldn't progress the investigation until they have my signature. Now that I have the forged credit agreement surely that's the evidence I need, but do I go to the police with this? or pursue this with provident? As I've had bad credit on my file in the past this hasn't done a lot of harm but now all the bad has dropped off and everything else is good it will be crippling to me getting any decent credit. Also on the credit agreement is the name of the agent that did this, but giving them a good shoeing wont get this removed from my file . I've also contacted Experian who have set a notice of dispute on the account. I just want it to disappear. Any advice greatly appreciated. Paolo

Hi all, My wife is in the process of entering a DMP with Payplan. She has just received a letter today from Payplan asking her to pop into the HSBC (which she has a overdraft & credit card to be included in the DMP) and give an up to date signature and sign some paper work. Is this normal, any advice please. Gericke

I requested a SAR from original creditor and have received a letter from them today acknowledging my receipt of £10.00 postal order but stating that the signature I provided does not match the one on their records.I only signed my name in capital letters. I have read through other posts which suggest using my signature but putting crosses through it. Is this correct please as I'm not sure if thy will accept this. Many Thanks

their was a thread with a link to create your own free digital signature for signing word documents etc any chance of the link

Hi, I am looking for some advice/opinions... In January 2011 I purchased a car with finance provided by creation. The price of the car was £2995, I paid a cash deposit of £800. I was made aware of charges/fees totalling £450 (ish), which would be added to the finance agreement. All was going fine until around 6 months ago, when a change of bank account led me to registering for online account management (so that I could arrange continuing payments). The amount outstanding didn't appear to be correct so I contacted the company and requested all of the relevant figures. It turned out that the set-up/admin fees had been added twice, the representative I spoke to said that the dealer was wrong to add these fees at the point of sale as they are always added afterwards. A rather in-depth conversation led to me being informed that creation don't actually hold any physical paperwork, and that they would be unable to amend the loan amount without notification from the dealer. After some detective work I managed to locate the dealer (who had now leased his forecourt to someone else, but I found him in the end!). I explained the situation, and asked for a copy of our original sales document. A week of telephone calls and me harrassing him brought no joy. He told me that all of his paperwork was in storage and that he'd been unable to locate the document. Well, of course he couldn't find it - it would prove that he had actually received £450 more than he should have from creation, which they would obviously want back! For me, the actual cost of the £450 would be much greater due to the associated interest. Fortunately, I did find my copy of the sales document, and emailed creation again, informing them that I had a physical, SIGNED document showing the correct amount. I explained that I would be happy to send them a COPY, not the original - this was all the proof I had, it wasn't going to be lost in the post! They did not reply. On to the more pressing concern now... during all of this I noticed that creation had the wrong registration number for the vehicle. I informed them of this, without giving them the correct number. Again, they were unable to amend the details without verification from the dealer. I sent a final email informing them that this needed to be corrected (as did the loan amount) as I was hoping to sell the vehicle, with their permission of course. I was hoping that this would set alarm bells ringing for them - the vehicle did technically belong to them. No joy. after a couple more months, it became apparent that the car was going to need a lot of money spent on it - which I didn't have. I did a hpi check and, surprise, it showed no outstanding finance. So I traded it for another car at a local dealership. I now find myself in no position to continue with repayments - I am just setting up a debt managemnt plan, and have just been visited by bailiffs and had to agree a repayment plan with them (which I can't afford, but will have to find if I want to keep my possessions obviously!). I am in this position through my own actions - I was earning a good salary until a year ago but had to give up the job. This really is no-one's fault but my own. My question is this - what can creation do to me? I no longer have the car so they can't repossess it. Actually, I NEVER had the car with the registration number they hold, although the make and model are correct. I am willing to come to some arrangement with them if they will accept a much reduced payment, my concern is that they won't accept it and I have sold a car which didn't belong to me . But then, it didn't belong to them either maybe? I know I shouldn't have sold the car, but in my defence I did inform them of the mistakes with the agreement. The only document I have ever signed is the original purchase order with the dealer (which he can't find). Any ideas?! Thank you.

Hi All, I was being chased by Capquest for a Cap 1 debt, which I expect the PPI & charges reclaim to pretty much cancel out. I sent a SAR request to Cap 1 which was received on 2/8/12, on 6/9/12 I received a letter from them stating that they cannot comply with my request unless I provide them with a signature.I am confused as to why they want a signature as I have married since opening the account & they will not have my current signature on file so I am understandably reluctant to provide them with it at this stage. They also did this with my CCA request, but supplied it once I had sent the template letter from here. Is there a similar letter I can use for the SAR please? As they have already supplied information to me at the address on the SAR request are they in breach of DPA? They also state that the 40 days does not begin until they receive a signed request - is this correct? Any advice on how to proceed with this would be gratefully received

Hi, I filed a ppi claim with the rbs on a loan I had some time ago I received a letter around 2 weeks ago basically saying On this occasion i have been unable to confirm precisely what information you where given at the time you purchased the policy. In the circumstances, as a gesture of goodwill and without any admission of liability, the bank is prepared to make you the offer detailed below: I returned the slip signed to say I would accept there offer around 2 weeks ago. In the meantime another ppi claim also with the rbs has been paid into my account no problems and I only sent the slip back last week. I called rbs to query the first claim of why it was taking so long and the lady I spoke with has advised I need to take my driving license or passport into branch to be copied and sent to them before they will pay the funds to my bank account. When I asked her why she said to verify it was me who signed the slip. I find it a little strange as the it's only £278 but they have already paid £2678.25 no questions asked from my other claim. Is it really to verify who I am or is it for something else? Thanks Dani

Hi I recently SAR'd Halifax to get my old credit card statements, this account has been in dispute for years due to them not having a CCA. I still keep getting threatening letters from DCA's so I am now going down the charges route hoping to pay this off. I sent a SAR request and £10 but they have written back saying they cannot do this without a valid signature. Obviously I do not want to provide this as they may fake a CCA so how can I proceed? Regards

Hi all, sent 2 SARs weeks ago to the halifax, to reclaim PPI on my loan and mortgage, and to also reclaim penelty charges. Well received a letter back saying they cant process it as it has........(come to their attention that my signature does not match theirs on the database, and can I go to my local branch with ID to update and verify my signature) The SARs I sent were joint ones with my partner, we both signed the SARs but put crosses through, so it could not be copied. Yet they only need mine. The reason for that is they collared my partner while she was in bank and rushing, and told her to sign something as they needed to update and were telling all the customers to do it..........(yeah right). They were kind enough to send back both postal orders however lol So any suggestions guys what I can do...............without them getting my signature Thanks.

I've requested documents under the CCA, and had enclosed the standard £1 postal order. My letter and fee have been returned stating my signature is required before they can proceed. I've read elsewhere that signatures are not needed and are discouraged from being included so that they cannot be used or falsified in documents. Can anyone advise as to how I should proceed please? If I resend this unsigned again (they've sent an alternative address to send to), will the original date it was sent still be valid for their statutory time limit? Many thanks

I have sent a SAR to capital one and they have refused to release information as my letter was not signed. They have said I need to supply a copy of my signature - how should I respond please. I do apologise if this has been covered a thousand times but the search facililty couldn't find what I was looking for

I recieved my credit agreement un der CPR 3114 however the signature in the copy of the agreemnet they sent me has been done by using CUT and PASTE i think ? of old signature which is slightly different than the signature in the credit agreement i have in my possesion. Can they do that? i am not disputing the credit agreement just the signature. any comments please?

Just started my PPI claim against Natwest credit card, just sent of my SAR and £10 PO card was taken out april 99 How do I work how much I could be owed is it the PPI plus the culmintive interest of the card on that PPI over the years Plus the 8% interest

Hi, I would be extremely grateful for some help with this. I have sent a letter to Barclays requesting my CCA with a £1.00 PO. They have replied back to me saying: Dear Mr R, Thank you for your request for a copy of your CA and financial statment. We are pleased to provide you with a copy of your F.S. Sections 77 & 78 of the CCA 1974 (as amended) DO NOT require B.Bank to provide you with a signed original form of the C.A.and in accordance with the act it is not the policy of B.Bank to provide this. This was for a Loan taken out online for £10,000.00 on 5th June 2008 Is this correct that B.Bank do not have to supply this information? Where do I go from here. Any help please.

Hi, I wrote to HFC on the 16th November requesting the CCA. They replied with "cannot send out the CCA without a signature" which i replied with roughly the same letter pointing out that by law a signature is not required but here is my signature and used a digitalsignature like the digital signature onthe consumer action group website.Although i did just use a font as my signature and not my actual signature scanned in-imvery paranoid when it comes to this company. Why isn't this sufficient? It is highly frustrating. How can i get my CCA?

I took a £20k secured loan out about 1 and a half to 2 years ago now and been paying the extortiante rates back since. Never missed a payment till now. Ive hit financial difficulties and need some help. I believe my CCA in incorrect and am considering putting it into dispute also. I sent of the subject access request and the CCA request along with 2 seperate postal orders. One for £10 and one for £1. I received a letter today saying thanks for the requests but please send a cheque for for £1 and the £10 !! My postal orders were no where to be seen or even mentioned in the letter !! Totally Stolen by Welcome !! Whats the best route now? I really dont want to send cheques as ive heard they can uplift signatures. I sent them recorded delivery and never signed the letters as I was told just typed my name. Help !