mbna cca request

[busby1]

Hi all

 

Have previously been registered here but have had to change.

 

I had requested a copy of cca from mbna for cc account but not sure if I had worded it wrongly. They have complied by sending a print out(not a photocopy or scan) of terms possibly from a template?? Its on a4 paper headed with a ref number(not one I recognise) and states credit card agreement regulated by the consumer credit act 1974. It does have mbna details after that,followed by my name and address and sections 1-3 of t&c's.

It then states sections 4-16 can be viewed by clicking the t&c's link at top of page????????

It then has a tick box(ticked) under which states executed by.XXXXXX.

on behalf of mbna and date of signature XX/XX/2006.

 

 

 

The document they have sent me has neither mine nor the person stated on behalf of mbna's signature.

 

It does have a box section for a signature with a tickbox inside(with an electronic tick in) uderneath which,it states;

 

I confirm that the tick in this box is a valid means of establishing the authenticty and integrity of my signature to this credit agreement.I understand that mbna will hold this acceptence data on their files.

 

Date of signature: XX/XX/2006

 

This account was opened at the end of 2006 via internet. I dont remember signing anything to do with this account.

 

My original request letter for cca did not state "true original signed copy".

 

My question is should I make a new request stating that I require the true orig signed copy?

 

Any help appreciated.

 

Busby1.

[toto003]

Hi all

 

Have previously been registered here but have had to change.

 

I had requested a copy of cca from mbna for cc account but not sure if I had worded it wrongly. They have complied by sending a print out(not a photocopy or scan) of terms possibly from a template?? Its on a4 paper headed with a ref number(not one I recognise) and states credit card agreement regulated by the consumer credit act 1974. It does have mbna details after that,followed by my name and address and sections 1-3 of t&c's.

It then states sections 4-16 can be viewed by clicking the t&c's link at top of page????????

It then has a tick box(ticked) under which states executed by.XXXXXX.

on behalf of mbna and date of signature XX/XX/2006.

 

 

 

The document they have sent me has neither mine nor the person stated on behalf of mbna's signature.

 

It does have a box section for a signature with a tickbox inside(with an electronic tick in) uderneath which,it states;

 

I confirm that the tick in this box is a valid means of establishing the authenticty and integrity of my signature to this credit agreement.I understand that mbna will hold this acceptence data on their files.

 

Date of signature: XX/XX/2006

 

This account was opened at the end of 2006 via internet. I dont remember signing anything to do with this account.

 

My original request letter for cca did not state "true original signed copy".

 

My question is should I make a new request stating that I require the true orig signed copy?

 

Any help appreciated.

 

Busby1.

 

Electronic signatures are valid from 31/12/2004, this can make contesting the credit agreement very difficult.

 

you could remove your personal details and post up what you have received, perhaps someone better qualified can comment ... I find it interesting there is a "link" to T&Cs, as to whether that constitutes being another document ... I dont know.

 

Hope this helps

 

toto

[busby1]

here are some images of the above

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0059.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0060.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0061.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0062.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0063.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0064.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0065.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0066.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0067.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0068.jpg

 

 

Hope links work ok!

 

Please let me know.

 

Any one able to give me any info they may have about these online applications or agreement I would be very grateful.

Edited February 4, 2009 by busby1
correcting links

[busby1]

here are some images of the above

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0059.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0060.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0061.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0062.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0063.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0064.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0065.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0066.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0067.jpg

 

http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0068.jpg

 

 

Hope links work ok!

 

Please let me know.

 

Any one able to give me any info they may have about these online applications or agreement I would be very grateful.

 

 

 

 

Could anyone in the know please tell me if this looks enforceable?

 

Thanks.

[Smileylady1981]

Hi Busby

 

sorry to hijack your thread but i have literally just returned from work to find a reply from mbna with an enclosed 'cca' Itlooks exactly like yours from what i can tell?? Id be very interested to see how you get on etc. Likewise if i find anything out ill let you know

 

Smileylady