unsigned credit card agreement

ninki

i went to Nationwide to open credit card but couldn't keep appointment to sign the agreement as son was ill. The next I know I receive a card and pin anyway. I didnt think much of it at the time and started to use the card. I have subsequently lost my job and cant pay the card so was wondering what to do. Help Thanks :eek:

opinions4u

Pay the minimum payment if you're a bit short.

bobajob_1966

ninki wrote: »

i went to Nationwide to open credit card but couldn't keep appointment to sign the agreement as son was ill. The next I know I receive a card and pin anyway. I didnt think much of it at the time and started to use the card. I have subsequently lost my job and cant pay the card so was wondering what to do. Help Thanks :eek:

What relevance does the unsigned agreement have? Did they force you to spend the money?

JuicyJesus

If you have used the card that implies acceptance of the terms.

_Andy_

ninki wrote: »

i went to Nationwide to open credit card but couldn't keep appointment to sign the agreement as son was ill. The next I know I receive a card and pin anyway. I didnt think much of it at the time and started to use the card. I have subsequently lost my job and cant pay the card so was wondering what to do. Help Thanks :eek:

Sounds like a blatant mis-sale and you have every right to get compensation

ninki

Thanks for these prompt responses. I found on the net that if the contract has not been signed then it may not be legally enforcable. Any advice much appreciated. Thanks again!

dunstonh

And in the unlikely case that the OP takes Andy seriously,here is the smiley that should have followed it...

Credit agreements are not required to be signed. your son's illness clearly had no impact on your ability to use the card.

Did you have PPI on the credit card? If so, you could claim on that. Or any other income protection that people take out to cover events like this?

I found on the net that if the contract has not been signed then it may not be legally enforcable. Any advice much appreciated.

I am sure the internet will tell you that Jesus is here and that aliens live amongst us. The test cases of nearly two years ago blew the unenforceable credit claims out of the water. Good job too. It would have been a disgrace had it been allowed.

opinions4u

ninki wrote: »

Thanks for these prompt responses. I found on the net that if the contract has not been signed then it may not be legally enforcable. Any advice much appreciated. Thanks again!

I refer you to post #4 by Juicy Jesus.

You signed the card. Used the PIN. Made the purchases.

So you either agreed to the contract or you've stolen money off them.

Which is it?

dzug1

ninki wrote: »

Thanks for these prompt responses. I found on the net that if the contract has not been signed then it may not be legally enforcable. Any advice much appreciated. Thanks again!

What you found on the net is at best out of date and may well have not been totally accurate when it was written.

paulwellerfan

just pay up.
you spent the money didnt you???

Scarpacci

Pay at least the minimum if at all possible. You could contact them and advise them you're having trouble paying. They may be able to agree a payment plan of smaller amounts, although this would be reflected on your credit report and is unlikely to happen if you've been paying the card fine until now.

The unsigned document is a red herring. By using the card, you agreed to their terms so a credit agreement does exist between you and Nationwide and you need to honour it.