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As for the staples on the top corner. Yes it actually looks like the 2 page application form has been unstapled and then restapled to the 8 page document TC's. It is also interesting that the apr is different on the 2 page application and the 8 page document plus the bank charges had changed from 25.00 to 12.00, me think they have been trying to cover their mistakes. Also my son's name and address was spelt wrong on the 8 page document.

 

The 8 page doc. has just been put together since we took out the cards - mine features my current address not my the address 4 years ago.It just demonstrates what we should have been given.

 

Not sure about your second form as it is more detailed than mine.

 

I'm not experienced enough to say if it has all the prescribed terms or not.

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