Thread: Online credit card applications and CCA

How does the CCA process work in regards to online application of credit cards ?
Applied in 10/2005, received back T&C's with pescribed terms, but no signatures.
Comments please.

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I've just read somewhere that the law was changed in 2003 with regard to on line applications to say that signatures are not required, I think. Sorry, can't remember where I saw it, I've read so much this evening :o

yep, you must be getting old rory.

Originally Posted by sequenci

Here is the order you need.

The Consumer Credit Act 1974 (Electronic Communications) Order 2004

So long as the website you are using has a means for you to commit, it would be treated like an electronic signature. I'm about to get off to bed but if you PM me I'll dig out more info if you need it in the morning.

so does this apply to agreements made before december 1st 2004?:-?

OK so call me Mr Thicky Thick from Thicksville.
What exactly is required ?

Scarey when I work in IT.
Bear in mind electronic signatures mean something different to me.
Is it a simple, "tick this box" and click "I agree" or something more involved ??

As ever sequenci, you advice is invaluable.
Can't give you any more rep at the min, but I will later.