MBNA Pin arrived - not applied

James

dazed wrote:

Probably done on the internet therefore no application form to sign.

You still have to sign a credit agreement. It's only the credit check that's carried out in near real time when you apply on-line.

MPH80

James wrote:

You still have to sign a credit agreement. It's only the credit check that's carried out in near real time when you apply on-line.

Not at all - at some point - the law was changed to allow complete online applications - from application, through acceptance of credit agreement.

Try applying for an Egg card - you'll find you never put pen to paper for a credit agreement.

M.

YorkshireBoy

MPH80 wrote:

Try applying for an Egg card - you'll find you never put pen to paper for a credit agreement.

I believe the same is true of Barclaycard and the GE Money Transformation & Everyday cards - you simply type your name at the foot of the online credit agreement to 'sign' it.

M_Thomson

Welshlassie wrote:

Thanks I phoned them and my FA had applied on our behalf, which is what we had asked him to do, but the stupid girl inthe office used our old address and has done for the 3 cards they are applying for for me. We haven't lived there for 6 months and they sorted out our mortgage so they knew we had moved. Hey ho though all sorted.

What does FA stand for?

James

James wrote:

You still have to sign a credit agreement. It's only the credit check that's carried out in near real time when you apply on-line.

Apologies, the above is wrong. - I was speaking from personal experience and stand corrected. You don't need to physically sign anything with these types of applications. That is unless you use the system I do to deter ID Theft, where a written signature and print is mandatory. MBNA acknowledge this.

I checked this with MBNA, and MBNA provide 'Signature Packs.



ID Theft - Self Help.

MBNA T&C's:

YOUR RIGHT TO CANCEL
Once you have signed, you will have for a short time a right to cancel this agreement. You can do this by sending or taking a WRITTEN notice of cancellation to MBNA Europe Bank Limited, PO Box 1004, Chester Business Park, Wrexham Road, Chester CH4 9WW.

Signing apparently covers applications made on-line.

Cerenia

M_Thomson wrote:

What does FA stand for?

Financial Advisor

Bloke_with_a_simple_life

Welshlassie wrote:

Thanks I phoned them and my FA had applied on our behalf, which is what we had asked him to do, but the stupid girl inthe office used our old address and has done for the 3 cards they are applying for for me. We haven't lived there for 6 months and they sorted out our mortgage so they knew we had moved. Hey ho though all sorted.

So.. your Financial Advisor has applied for something in your name, but you have not signed the form or performed the application on line personally.

I wouldn't like to use a Financial Advisor who did this.. anything else he/she could be doing in your name but which you have not authorised? Doesn't seem to be a sound individual.