IS this credit card agreement enforcable?

ferrett

Hi,

My GF has a credit card which she did apply for and spent on but it was opened in the wrong name (the surname quoted on the card, account etc is not hers) very similar Hill not Hull.

Should she ask for a copy of her agreement to see if they have it.

If they dont I would assume she could claim it was not hers.

What do you all think?

Bagpuss1973

It is the card holders responsibility to check their card is correct so yes I would think it is.

If the name was incorrect she should not have actually used the card in the first place as it is probably technically fraud.

Someone will probably come along with some advice you are looking for.

novagirl

:rolleyes: If she spent the money, why doesn't she pay it back?

TangledMemories_2

When you receive a credit card or indeed any card, the letter it is attached to specifically says PLEASE CHECK THE DETAILS ON THE CARD ARE CORRECT.

Whatever the ifs buts and howevers the fact of the matter remains that your gf did in fact use the card for her own use and never brought up the issue of the name. If she tried to say to the company "it isn't my name" they could prosecute for fraudulent use of credit facilities.

Best thing to do - admit and pay up

Conor_3

Agree with the rest of the replies. If she decides not to repay it and use the argument you're trying to use, she could end up with a criminal conviction for fraud which any potential employer will look very unfavourably on regardless of the circumstances.