Mbna Problem Cca Request

mcjordi

HI I HAVE REQUESTED MY CCA FROM MBNA THEY HAVE REPLIED

I HAVE RECIEVED : 1 TERMS AND CONDITIONS
2. ORIGINAL APPLICATION
3. LAST STATEMENT

ALTHOUGH THERES NO SIGNATURE ON IT IT WAS DONE ONLINE
THIS SAYS "THIS IS A CREDIT AGREEMENT REGULATED BY CCA 1974 SIGN ONLY IF YOU WANT TO VE LEGALLY BOUND
ACCEPTANCE OF TERMS AND CONDITIONS TICK THIS BOX (ITS TICKED)

i confirm that the tick in the box is a valid means of establishing the authenticity and integrity of my signature (no signature) to this credit agreement. i understand the mbna will hold this acceptance data on their files

mcjordi

anybody know if this i enforcable

NatashaP

As far as I know there does need to be a signature. I'm sure the fact that it hasn't been signed means the debt is unenforceable.

mcjordi

bumpety bump

mcjordi

Anybody????

N79

I think I remember an admin order knocking around in 2003-2004 which was laid before the house as an amendment to the CCA to allow for electronic token signing.

I leave it as an exercise to the reader to find it. You will need to decide if your electronic approval meets with the provisions of the order.

N79

N79

Got it - I thought I remembered this knocking around back then.

http://www.opsi.gov.uk/si/si2004/uksi_20043236_en.pdf

fermi

N79 wrote: »

Got it - I thought I remembered this knocking around back then.

http://www.opsi.gov.uk/si/si2004/uksi_20043236_en.pdf

That's the one I was thinking of. Thanks.

stapeley

This could be an intersted developement , I suggest you go onto the CAG website for advice . But it does look like in this case you have a AGREEMENT . Keep us imformed .

mcjordi

ive posted on that site

will keep you posted