Credit agreement

lugafama

Please advise, in 2004 I signed a CCA for a MBNA creditcard, but at the time I was a stay at home mum, and I used husbands employment details. His name is not on the CCA, all it has is a name of workplace and a telephone number ( the place does not exist anymore), He is NOT a second card holder and he has NOT signed the agreement. No ID was seen upon application and no bank details are on the copy of the CCA we received. Is this CCA acceptable?? It seems like this was an agreement based on 'nothing' Please advise how to deal with this. Thanks

grumbler

You signed the agreement.
Your ID can be checked by various means, not necessarily by paper copies.
No bank details are needed for this.
When applying for a CC you fraudulently gave incorrect details that were difficult, if not impossible, to check.
Now, because of the fraud you admittedly committed, you want to deem the agreement unenforceable?!

Have I misunderstood anything?

McKneff

Oh yes, something could definitely happen.

YOU could be charged with fraud. I'd keep me head down if I was you.

DCFC79

lugafama wrote: »

Please advise, in 2004 I signed a CCA for a MBNA creditcard, but at the time I was a stay at home mum, and I used husbands employment details. His name is not on the CCA, all it has is a name of workplace and a telephone number ( the place does not exist anymore), He is NOT a second card holder and he has NOT signed the agreement. No ID was seen upon application and no bank details are on the copy of the CCA we received. Is this CCA acceptable?? It seems like this was an agreement based on 'nothing' Please advise how to deal with this. Thanks

Deal with what ?

Dabooka

DCFC79 wrote: »

Deal with what ?

I agree, what's the issue / point?

lugafama

The rep who filled in the application form was the one who wrote that "husband"( that is what he or she wrote)
was employed and where he was employed. He or she filled in all the details on the CCA and I did sign. The point is how legal is it for a creditcard company to have sales people out there, getting creditcards issued in this manner. I am now divorced and my husband is not acknowledging this agreement.

Th1984

Just because they offered the card based on your husbands employment doesn't mean he is liable for it in any way.

My wife has a credit card with a £3k limit used for shopping (123 so cashback, paid in full) but has no income at all. Her ability to repay is based soley upon my income and the rate of interest that would be charged if we didn't pay in full every month reflects that increased risk.

Bottom line, if the account is in your name, it is soley your problem.

If I was so minded I could cancel the direct debit to my wife's card and they would come after her soley for the repayment. I am not liable.

Hominu

lugafama wrote: »

The point is how legal is it for a creditcard company to have sales people out there, getting creditcards issued in this manner. I am now divorced and my husband is not acknowledging this agreement.

Point is you accepted it by signing. If you didn't agree, you should not have signed the paperwork.

You could get the card thrown out if you felt the card was mis-sold to you, but not if you have used the card. By using the card you agreed to the terms and conditions of the card. If you want to cancel the agreement now, you stand 6+ years of no credit available.

jonesMUFCforever

If OP is thinking that this might be a way to avoid what is owing on the card she is wrong!