Unenforceability & Template Letters II

never-in-doubt

captainhaggis wrote: »

No worries mate. Thanks for looking. I'd sent a dispute to LTSB about the credit card but they said it was fully enforceable so I've kept paying.

Cheers as always

So you've not been defaulted here then? That's good - but you never told me you were paying 3 accounts (how many more lol) :mad::mad:

Bad Captain, Bad! :rotfl:

scotsony

it was MBNA credit card, taken out on the 11/10/2006, debt £3900, i asked them for the following, copy of executed agreement, up to date terms and conditions and a recent statement, they sent me all 3. but the signed agreement only has a tick box (ticked)but no signature or signed date, I sent another letter saying i was in dispute with MBNA, and i wish a copy of the signed agreement, they said this was the signed agreement as the tick box has a tick in it, This account isn't in arrears or have any missed payments. is there anything i can do?

thanks

never-in-doubt

scotsony wrote: »

it was MBNA credit card, taken out on the 11/10/2006, debt £3900, i asked them for the following, copy of executed agreement, up to date terms and conditions and a recent statement, they sent me all 3. but the signed agreement only has a tick box (ticked)but no signature or signed date, I sent another letter saying i was in dispute with MBNA, and i wish a copy of the signed agreement, they said this was the signed agreement as the tick box has a tick in it, This account isn't in arrears or have any missed payments. is there anything i can do?

thanks

Nope, nothing you can do as a tick in box is perfectly acceptable as a signature as it was an online application.

It would appear 100% enforceable from what you've said without even looking at it. Sorry but you're not going to get much joy from this i'm afraid.

scotsony

It wasn't an online application

never-in-doubt

scotsony wrote: »

It wasn't an online application

If it was MBNA then probably was.... what type of card and how did you apply then? If you done it by post, then the handwriting on the CCA will be yours - right? So, is it?

If it is then you're snookered. If it is not then you can do them for fraud, so you need to start being more specific cos right now what you're saying just doesn't add up, i'm afraid.

scotsony

this is the problem i have, it was done by post, the application form was accepted and CCA was send to me along with the credit card. at no time did i sign it (and return it), or tick a box, i'am not sure what to do, should i take it to a lawyer then? of the FSA?

never-in-doubt

scotsony wrote: »

this is the problem i have, it was done by post, the application form was accepted and CCA was send to me along with the credit card. at no time did i sign it (and return it), or tick a box, i'am not sure what to do, should i take it to a lawyer then? of the FSA?

Ok, so you hand completed the application form yes? Did you get sent a copy of that from MBNA with your CCA request or was it suddenly typed? OR did they send you a pre-printed form that just needed your signature? Its the only 3 option available - so must be one of them.

Be specific please.

captainhaggis

never-in-doubt wrote: »

So you've not been defaulted here then? That's good - but you never told me you were paying 3 accounts (how many more lol) :mad::mad:

Bad Captain, Bad! :rotfl:

The Lloyds card defaulted me today.... View my post a few post up. The loan hasn't been defaulted yet I don't think. So I've been paying them until the defaults appeard but now that these are deemed enforceable, I'll continue paying.

I'm also paying on the following cards :

Abbey National
Accucard
Alliance & Leicester
American Express
Bank of Scotland
Barclaycard
Britannia Building Society
British Heart Foundation Mastercard
Breakthrough Breast Cancer Visacard
Cahoot
Capital One
Childline Visa card
Citi Credit Card UK
Clydesdale Bank
Comic Relief Visa
Co-operative Bank
Egg
First Direct
Goldfish Card
Greenpeace Visa
HSBC Bank
Halifax
Lloyds TSB
Marbles
Marks & Spencer and More Credit card
Mastercard UK
MBNA
Morgan Stanley Credit cards UK
National Aids Trust Visacard
National Trust Master Card
Nationwide Building Soc.
NatWest Bank
Northern Bank Online
Northern Rock
Oxfam Visa Card
PDSA Visa Card
Royal Bank of Scotland
Sainsbury's Bank
Sargent Cancer Care Visa
Smile Online Banking and credit cards
Tesco
UNICEF Visa Card
Virgin Money
Woolwich
Yorkshire Bank Online
WWF World Wildlife Foundation Mastercard
Co-operative Bank Affinity Cards

Is that OK????

never-in-doubt

captainhaggis wrote: »

The Lloyds card defaulted me today.... View my post a few post up. The loan hasn't been defaulted yet I don't think. So I've been paying them until the defaults appeard but now that these are deemed enforceable, I'll continue paying.

I'm also paying on the following cards :

100 cards listed here! :mad::mad::mad:

Is that OK????

I replied to you here - with the definition mate! #1703

Also, if you had all those cards i'd turn gay and leg-shag you mate :rotfl::rotfl::rotfl:

putty71

jesus christ and I thought I had problems! Please tell me they aren't all fully loaded?