Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I took out an Egg Visa Credit Card in March 2007. I applied online through their website.
I had sent them a CCA request letter on 01/12/2008 and received a letter from them back on 13/12/2008 with a copy of the credit agreement.
The credit agreement is a copy from the computer and there is no actual signature on this. All there is, is a tick next to the signature box.
Please could someone tell me if this is an executable credit agreement, if it does not have my actual signature on it. If not, what is the next course of action i need to take and what letter do I send to them. Does anyone have any letter templates.
Bump
I too have received a reply back from Egg (signed in December 2006) with the same content as above.Are we to assume then that this is 100% enforceable? I have my doubts as on other threads (admittedly regarding older style agreements) people seem to suggest that it should have a mention of an actual figure for a credit limit? Is this not applicable on newer style agreements?
It isn't the figure that is the issue-or the lack of it-they don't have to put an actual amount on it just how they will work it out, its the suggestion that there may be two seperate limits on the older agreements-without being clear as which is the actual credit limit, and the wording of the agreement isn't specific enough to comply with the CCA and its regulations.
To my-and I fully admit untrained and unqualified eye, the agreement posted looks enforceable.
I've been reading further and is it enforceable if the only mention of "cancellation" and cool off periods are in the T&C's and NOT in the actual agreement? Nothing in the actual agreement mentions our right to cancel but it IS mentioned in the attached T&C's
Visa Credit Card in March 2007. I applied online through their website.
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Originally Posted by JD2002
