Is there no CCA requirement for internet applications?

kingie67

I made a CCA request to Allied International (they appear to have bought my credit card from Natwest). They sent an internet application after 15 days and I immediately informed them that they were in default and that the agreement was now unenforceable.

Here is what they have now told me:
"because the agreement was made online, you accepted the terms and conditions once you clicked the box to confirm; you therefore entered a legally binding agreement ...... there was never a signed paper agreement and consequently a paper copy cannot be produced

...... the document you were sent (i.e. the internet application) is derived from your application and provides proof of the online contract ...... we have therefore supplied you with a copy of your valid agreement ..... so the account is not in default and remains enforceable under the provisions of the Consumer Credit Act

Is this right? Thanks folks

jonesMUFCforever

Yes it is right the rules were changed a few years ago to allow online applications.

kingie67

Thanks for your reply. When were the rules changed; this application was done in July 2002

fermi

kingie67 wrote: »

Thanks for your reply. When were the rules changed; this application was done in July 2002

The rules changed it 2004/5 and were not retrospective, so Allied International are talking bullsh*t.

never-in-doubt

fermi wrote: »

The rules changed it 2004/5 and were not retrospective, so Allied International are talking bullsh*t.

I concur - this is unenforceable after all. I;d be writing swiftly back suggesting they check their facts and remind them the account is still in dispute until they verify their reasoning.