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M&S Money (NCO) - Enforceable Agreement?


Poolio
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Hi, thanks to the advice on here I CCAed my creditors and did the same for my mother who was going through bad financial difficulties dealing with several debts and companies.

 

One debt is for a Marks & Spencer card, it was being dealt with by NCO so the CCA request was addressed to them. However, the photocopied application form has been sent from M&S direct to my mum. The application form is filled in and signed by her.

 

Does this amount to an enforceable agreement?

 

http://i513.photobucket.com/albums/t336/Poolio22/Mum%20MandS/MandSapp.jpg

 

http://i513.photobucket.com/albums/t336/Poolio22/Mum%20MandS/MandSterms.jpg

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