Credit AGREEMENT -or- APPLICATION? RBS Advantage Card

[ian1969uk]

Dear me, how much confirmation do you want that the Littlewoods one is not enforceable. I've told you on another site that it lacks everything an agreement needs, but clearly you don't believe me. If that's the cast, then why ask?

[conradsfate]

oh hi, no its not for me. for someone else. didnt know they already asked. sorry. we was sharing together but she gone of on own now. will let her know. what you think of other. that ones mine?

[ian1969uk]

I don't mind people asking advice at all, but to keep going from site to site, and board to board, asking the same thing, is just going to annoy people. Even on here you've posted it on more than one board with no time at all for people to reply.

 

I's just bad manners.

[conradsfate]

I don't mind people asking advice at all, but to keep going from site to site, and board to board, asking the same thing, is just going to annoy people. Even on here you've posted it on more than one board with no time at all for people to reply.

 

I's just bad manners.

 

i have already said i am sorry.

[Mike220359]

Calm it down you to, everyone knows what it's like to be at the bottom of the heap getiing told all kinds of crap by the creditors who may lie (no really), you want lots and lots of reassurance. First lesson of counselling Ian dont get annoyed with the client

 

Mike

[ian1969uk]

I'm not a counsellor so that's irrelevant.

 

When I see the same agreement posted on different sites, and give the same comments (that it's unenforceable due to no prescribed terms) only to seemingly be ignored, it's annoying. We help each other on these issues for free and in our own time, and if people won't accept what they are told, then what's the point of asking?

[Mike220359]

Where ignorance is bliss tis folly to be wise

[ian1969uk]

Thanks for that oh wise sooth sayer.

[The Phantom]

Just to pour a little oil on the argument in the last few posts above....err could I have another (just a second) opinion on whether this is an agreement or application

http://img.photobucket.com/albums/v456/Nicole99/MBNA-2.jpg

 

Have posted on my thread and received one reply already

http://www.consumeractiongroup.co.uk/forum/mbna/72390-mbna-default-ref-r-7.html#post1086145

 

Just want a second opinion before I open fire on MBNA

I think going by the knowledge I have required here it is an application, and unenforceable due to no prescribed terms and being 97% illegible

Also they didn't sign, just stamped it as received in July 1998.

They enclosed recent terms & conditions, not the original ones either.

[ian1969uk]

Application form lacking all prescribed terms.

 

Completely unenforceable.

[The Phantom]

Ta Ian, that is the third opinion

Everybody has said the same, so I am happy to send them a nice reply

I won't post anymore links to the doc anywhere on the forum (I promise)

[alibobsy]

Had what is obviously the original application forms for a barclaycard visa and a barclaycard mastercard cards from barclays. None of the prescribed terms seem to be on it and they have sent a separate sheet with t&c's on it. They even refer to it in the letter attached as a "application credit card agreement" surely they are taking the mick lol.

But the best CCA response is citicards who didn't even send an application just a load of waffle and a set of the current terms and conditions and stated this fufilled their obligations under the consumer credit act!!!

These companies need to understand that they will have to start taking the CCA more seriously and that consumers are becoming more savy.

Go CAG

ali x

[The Phantom]

I couldn't agree more

A lot simply don't have a proper agreement on file and they are desperately trying to construe something, hoping the poor consumer will as usual just take their word for it

Think again !!

[go for it]

i agree ,my partner was sent an application at the beginning of this year and we thought it was a cca until i read more on here and and help from other cag 'ers realised it was nt but it fooled us at first

[miss muppet]

Yes Alibobsy, My OH got the same reply from Citi, just reported them to their local trading standards, our local one wasen't too helpful so hope we'll get a better response.

[johnny_alpha]

Hi - I'd appreciate opinions on the below - I don't think it looks like an executed agreement AT ALL - so I'm looking to have the case thrown out at my court hearing!

 

Can the T&Cs on the flip side of this original be admissable (not that they've YET' sent these to me!)? Naturally if they produce ANY T&Cs it requires my signature, yes? Else they could have plucked them out of anywhere?!?!

 

On with the show - thanks in advance, ALL:

 

[Josie8]

not enforceable as it doesn't have the prescribed terms in it. No reference to Terms and conditions on it so can't be linked.

[electric lemon]

Hi there,

 

I have a thread under " Illegal CCJ on Account" elsewhere.

 

I was in court yesterday at a determination hearing, & have been given more time as CL Finance havent furnished all the neccessary statements I requested with a SAR in order to work out charges which makes the amount inaccurate that they are seeking from me.

 

Now to the point:

 

I was sent my CCA, which is in the form of an application form but it does have some APR terms on & it was signed by GE Money(albeit a squiggle!).

 

The thing is, the terms & conditions they sent me with the application/CCA were just a photocopied sheet of info. One small paragraph that they had highlighted in green was the only thing that stood out. Sorry Im at work and cant remember what this info in paragraph was.

 

In addition, I am certain that they changed the card a couple of years ago, which they sent me (you know, different design that sort of thing) but I wasnt in receipt of anything I had to sign for, for the new one .

 

Does this mean anything significant at all? Should I have signed any new form for this? If so they havent sent it to me.

 

I have to amend my defence & counterclaim very soon so would very much appreciate your advise & expertise.

 

Many, many thanks

Electric Lemon

[miss muppet]

:o Sorry guys,way too much information on there, didn't realise until I had posted and then couldn't work out how to rid, will post again when I am sure have deleted sensitive info, mind you whoever is welcome to my 0.50p

[kennyparkroad]

thats damn near the exact agreement i was sent by the AA Finance department, around the same date too.

 

Everything appears to be there, but in my case the APR was wrong, maybe someone can work this out for you?

[kennyparkroad]

take your bank details off the form and repost though!

[surprise]

I can't see rate of interest, only APR. Rate of interest is one of they key points. Has it been omitted or am I just not seeing it?

[miss muppet]

Help, Kenny and Surprise, how do I get rid?

[surprise]

Is the rate of interest on there

[miss muppet]

OH says its the APR which is 6.5- is he right?