Thread: CCA Skycard - can someone have a look?

All of the prescribed terms are there, so I would say enforceable.

Prescribed terms are:

A Amount of credit
A term stating the amount of credit

B Repayments
A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-
(a) Number of repayments;
(b) Amount of repayments;
(c) Frequency and timing of repayments;
(d) Dates of repayments;
(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

C Rate of interest
A term stating the rate of interest to be applied to the credit issued under the agreement
D Credit limit
This may be a term or the manner in which it will be determined or that there is no credit limit.

Hi Skint,

An application form is not invalid, if it contains all the prescribed terms as set out in the CCA1974 and later amendments.

Many application forms which are sent in response to a CCA request ARE invalid because they don't contain the prescribed terms.