MBNA - Is it Legal!!??

SPELLKASTER

Okay so I finally received as of today a "copy of executed agreement" from MBNA.

On the part where it says "Signature of Customer" remains unsigned.

However a box has been tick claiming it has been authorised i.e. electronically.

Credit agreement is still however, unsigned by me manually.

I was told by the Office of Fair Trading that it still has to be signed manually by the customer.

Account opened in 2009.

Is this legal please??

Thanks!!

trish22_2

SPELLKASTER wrote: »

Okay so I finally received as of today a "copy of executed agreement" from MBNA.

On the part where it says "Signature of Customer" remains unsigned.

However a box has been tick claiming it has been authorised i.e. electronically.

Credit agreement is still however, unsigned by me manually.

I was told by the Office of Fair Trading that it still has to be signed manually by the customer.

Account opened in 2009.
this legal please??

Thanks!!

My daughters ppi failed on this,she said she did not put a signature on it,nor either ticked box for ppi,they refused to pay her on both these counts
Not right as far as we are concerned ,so sent on to the Ombudsman.

SPELLKASTER

Thanks Trish will send to the Ombudsman over it!!

If I didn't sign it how can they enforce it!!??

ILW

SPELLKASTER wrote: »

Okay so I finally received as of today a "copy of executed agreement" from MBNA.

On the part where it says "Signature of Customer" remains unsigned.

However a box has been tick claiming it has been authorised i.e. electronically.

Credit agreement is still however, unsigned by me manually.

I was told by the Office of Fair Trading that it still has to be signed manually by the customer.

Account opened in 2009.

Is this legal please??

Thanks!!

No you were not.

jonesMUFCforever

Rubbish why do you want to waste the ombudsman's time with rubbish like this.

Please answer honestly one question - have you spent money using this card???

Just one honest answer please.

molerat

From http://webarchive.nationalarchives.gov.uk/+/http://www.berr.gov.uk/files/file42400.pdf

“Signature”
References in the Act to the term “signature” include electronic signatures.

Section 7 of the Electronic Communications Act 2000 refers to electronic signatures
and describes how a signature given electronically may be admitted in evidence and
may be taken as a valid means of establishing authenticity of documents.

Articles 4, 5 and 6 of the Order amend current Regulations including the Consumer
Credit (Agreements) Regulations 1983 so that where the content of signature boxes and
notices are prescribed, the creditor or owner may also include information about the
process or means of providing, communicating or verifying the signature to be made by
the debtor or hirer. These changes are specifically for enabling the creditor or owner to
explain to the debtor or hirer how the document may be signed by an electronic
communication.

So yes it is legal so cough up what you owe.

scottishblondie

Spellkaster... please stop starting these threads and just pay off what you owe. It is legal and you cannot wriggle out of it.

_Andy_

SPELLKASTER wrote: »

Okay so I finally received as of today a "copy of executed agreement" from MBNA.

On the part where it says "Signature of Customer" remains unsigned.

However a box has been tick claiming it has been authorised i.e. electronically.

Credit agreement is still however, unsigned by me manually.

I was told by the Office of Fair Trading that it still has to be signed manually by the customer.

Account opened in 2009.

Is this legal please??

Thanks!!

Crazy idea for you - it involves paying back the money you borrowed rather than looking for ways out. Try it, it'll blow your mind.

[Deleted User]

This week, on 'The Adventures of Spellkaster', Spellkaster tries the same old get out clause as last week. Stay tuned to see if it works...

Gromitt

And on next weeks episode, Spellkaster pays a company £200 to analyse his credit agreement form in detail after they advertise that some agreements are not legally binding.

_Andy_

Deleted_User wrote: »

This week, on 'The Adventures of Spellkaster', Spellkaster tries the same old get out clause as last week. Stay tuned to see if it works...

You've given me a great idea for a Xmas themed movie. Starring Spellkaster in the 'Get out Claus' - a hilarious Christmas themed romp, full of family fun, in which a cast of complete muppets and financial reprobates seek to 'get out' of any money they borrowed/spunked up against the wall.