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Can you balance transfer to a card so you are in Credit?
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Well firstly, 'credit' isn't being 'supplied' if you're using your own money.thenudeone wrote: »What suggests otherwise?
And secondly, if you've pre-loaded a card that expressly forbids pre-loading in the T&Cs (such as Halifax or Santander), then you've breached the agreement...so it may be argued that no such 'agreement' is in place from that moment?
Did you go on to read section 12, and section 11 referenced from within section 12? What did you make of those sections?0 -
But if the credit card account is in credit then you're not a debtor. Therefore no S75 for you.
The CCA 1974 doesn't mention that; it refers to different types of credit agreement in sections 11 and 12, which I couldn't fathom, but which didn't refer to positive or negative balances at all.We need the earth for food, water, and shelter.
The earth needs us for nothing.
The earth does not belong to us.
We belong to the Earth0
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