credit cards

credit_cardprob

hi, is it correct if a credit card agreement was signed at the wrong place, the agreement becomes invalid.. thx

PROLIANT

credit_cardprob wrote: »

hi, is it correct if a credit card agreement was signed at the wrong place, the agreement becomes invalid.. thx

Is it correct if you signed your savings account form in the wrong place your money now belongs to the bank?

POSSETTE

credit_cardprob wrote: »

hi, is it correct if a credit card agreement was signed at the wrong place, the agreement becomes invalid.. thx

prob not..but where did you sign it? and did they not notice

bert&ernie

credit_cardprob wrote: »

hi, is it correct if a credit card agreement was signed at the wrong place, the agreement becomes invalid.. thx

Are you referring to the physical location in which you signed the document i.e. at home or in a branch?

The reason I ask is that an agreement signed on the premises can be classed as non-cancelable i.e. you don't have a cooling-off period. In practice though, I think many card issuers do allow you cancellation rights even if you sign in a branch.

If you took a non-cancelable agreement home to sign, then I think this may call into question whether the agreement is enforceable.

The first step is to write to the lender asking for a copy of the agreement.

I would expect a lot of noisy moralising on this subject from some forum members. I see PROLIANT has already started the ball rolling with his particularly fatuous question.

In my experience, OPs don't typically get a great deal of detailed practical advice on this subject here. I would suggest that you take a look the Debt Free Wannabe Forum or http://www.consumeractiongroup.co.uk/ and the forums there. Do check back and let us know how you get on though.

PROLIANT

bert&ernie wrote: »

I would expect a lot of noisy moralising on this subject from some forum members. I see PROLIANT has already started the ball rolling with his particularly fatuous question..

I asked a question, was not being noisy (yet)

bert&ernie wrote: »

In my experience, OPs don't typically get a great deal of detailed practical advice on this subject here. I would suggest that you take a look the Debt Free Wannabe Forum or http://www.consumeractiongroup.co.uk/ and the forums there. Do check back and let us know how you get on though.

Good advice, get on a bandwaggon that will listen to such drab.

bert&ernie

PROLIANT wrote: »

I asked a question, was not being noisy (yet)

It was obviously a rhetorical question. I didn't actually accuse you in particular of being noisy, although we both know that you most certainly can be. I accused you of being fatuous - your silence in response to that accusation is telling.

PROLIANT wrote: »

Good advice, get on a bandwaggon that will listen to such drab.

But we wouldn't want to spoil another lively debate now would we?;)

PROLIANT

bert&ernie wrote: »

It was obviously a rhetorical question.

Spot on

bert&ernie wrote: »

I accused you of being fatuous

Stupid I am not, out spoken maybe.

bert&ernie wrote: »

your silence in response to that accusation is telling.

Come on now Bert...or Ernie, can never remeber which one you are, must depend on the mood, give me a chance to reply.

bert&ernie wrote: »

But we wouldn't want to spoil another lively debate now would we?;)

Are we on tonight then?

bert&ernie

PROLIANT wrote: »

Are we on then tonight?

Probably not, its no fun unless you loose your rag - you seem to have calmed down recently. Maybe later though, when you've had a few beers perhaps?


On a serious note, I know we like to engage in a bit of silly banter over this subject, but I really don't think we'll ever actually change each others minds. In that sense its pretty pointless us sniping at each other. We should probably wait to see what others might have to say before continuing with this exchange.

PS you can call me bernie if helps

PROLIANT

No beer tonight, next Saturday I am out in Newcastle for a few beverages but will not be playing MSE when I get in, one thing I have learned is that losing my temper on the forum is not the way forward therfore I have changed my tactic's.

bert&ernie

PROLIANT wrote: »

No beer tonight, next Saturday I am out in Newcastle for a few beverages but will not be playing MSE when I get in, one thing I have learned is that losing my temper on the forum is not the way forward therfore I have changed my tactic's.

I can relate to that. I've found the odd thread appearing in my subscription list when I don't even remember posting into it:o

credit_cardprob

POSSETTE wrote: »

prob not..but where did you sign it? and did they not notice

hello, it was signed at the branch about 8 years ago, but at the wrong place ( 2nd card user ). Will this make a difference. thx