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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

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Old 2nd May 2007, 12:31   #1 (permalink)
StuffedbyNatwest
Basic Account Customer
Default What is a properly executed copy?

To save folk having to read all my earlier postings I wondered if someone could tell me what a properly executed copy of an agreement requested under the CCA 78 Act is.
The 'thing' I received was an almost illegible photo copy of my application for a credit card with my signature cut off at the bottom.

Does this constitute compliance under the CCA?

Thanks folks
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Old 2nd May 2007, 12:50   #2 (permalink)
tomterm8
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Default Re: What is a properly executed copy?

I am no longer welcome on CAG

Last edited by tomterm8; 3rd May 2008 at 23:21.
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Old 2nd May 2007, 16:51   #3 (permalink)
tifo
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I am in: Lancashire
Posts: 2,169
tifo Informativetifo Informative
Default Re: What is a properly executed copy?

an application form can be a credit agreement if it contains all the required terms and texts.

i know of no-one (including myself) who has received anything other than an application form as a credit agreement.

they have no duty to supply a signature box but would need to show the whole agreement at court.
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Old 2nd May 2007, 17:00   #4 (permalink)
gypsumsif
Classic Account Customer
Default Re: What is a properly executed copy?

so they are calling your bluff as to weather it really has your signature at the bottom? and they dont have to reveal this until the court date?
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Old 2nd May 2007, 18:41   #5 (permalink)
diskmandave
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I am in: Ashton Under Lyne
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diskmandave Authoritativediskmandave Authoritativediskmandave Authoritativediskmandave Authoritativediskmandave Authoritativediskmandave Authoritativediskmandave Authoritativediskmandave Authoritativediskmandave Authoritativediskmandave Authoritativediskmandave Authoritative
Default Re: What is a properly executed copy?

And don't forget that Section 1 of the Consumer Credit (Cancellation Notices and Copy Documents) Reg's 1983 states that it has to be clearly legible as well as a lot of other things that are laid down as prescribed regulations...
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Old 3rd May 2007, 09:58   #6 (permalink)
StuffedbyNatwest
Basic Account Customer
Default Re: What is a properly executed copy?

Hello Diskman. Is it possible to find a link to these regulations as there may be other things there that they have failed to comply with. Many thanks
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