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Online credit how do we stand?

beverley1296
beverley1296 Posts: 186 Forumite
in Debt-free wannabe
I got a catalogue back in 2004 online, they sent me out Credit agreements and I know I never sent them, I sent them a £1 cheque and asked them to supply me with the signed true copy CCA, they haven't and as I know cannot? can they still pursue me? I don't know wether to send in an SAR with £10 but does online make any difference?

Comments

  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    You got it online, if you ticked the box to say you agreed to the terms and conditions, that is an electronic signature and legally binding. Electronic signatures have been used for along time, especially for credit card applications.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • Tixy
    Tixy Posts: 31,455 Forumite
    I think back in 2004 there was no difference, so they still should have to have a signed copy.

    Never in doubt is the person to ask for sure. Are you currently paying towards this debt? do you have a default on it? If you go down the route of possible unenforcable agreements then you are almost certain to get defaulted. Just make sure you are aware of the implications before you do it.:)

    N I D can usually be found here - http://forums.moneysavingexpert.com/showthread.html?t=2060575
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • Tixy
    Tixy Posts: 31,455 Forumite
    Ah sorry see DC has got in there first (allbeit with a different answer :o). Not sure then.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    The Consumer Credit Act 1974 (Electronic Communications) Order 2004


    from http://www.consumeractiongroup.co.uk/forum/general-debt-issues/101466-online-credit-card-applications.html
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • Tixy
    Tixy Posts: 31,455 Forumite
    Excellent, thanks DC
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
This discussion has been closed.
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