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Does a CCA need a signature?
HonmaDP
Posts: 69 Forumite
An old Capital One card defaulted on 3 years ago doesn’t have my signature on it, just my name in block capitals.
Is this still enforceable?
Is this still enforceable?
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Comments
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The balance is only £300, just want to know where I stand.0
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A CCA does not need to feature a signature or a date of signature, this is the 21st century.
I'm sure you know this as well else all loans applied for online (the vast majority of all loans?) would be unenforceable.Know what you don't0 -
A CCA doesnt need an ink signature.Electronic representation of signatures is completely legal.0
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Just to confirm, there is no requirement within the consumer credit act, for a copy agreement to bare a signature.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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There may also be a case that the contract is valid without a signature if you used the card, made repayments, etc. You will have been deemed to have accepted it.The comments I post are my personal opinion. While I try to check everything is correct before posting, I can and do make mistakes, so always try to check official information sources before relying on my posts.0
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Cool, thank you everyone.0
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