Thread: CCA APPLICATION Form.

Hi all,
Can one of you clever people help.
When applying for a CCA request, I see that a few companies only ever send the application form, probably because this is all that was ever used to open an account.
I was led to believe that a CCA request was for the actual AGREEMENT form, not the application form.
However, somewhere else on this forum, it has been said that in some circumstances, the application form can be used if all the required info was contained within.
Does anybody know if this is correct?
Pat.

subbing if i may.

I have in my possession an Application form! hm...need the answer as to whether this is valid?

Hi everyone,
After tons of calls and letters from M&S, this is the latest one:
http://i343.photobucket.com/albums/o473/pabrmu/MS30.jpg.
This was the application in question:
http://i343.photobucket.com/albums/o...sc00abac68.jpg

Even though they state that the application form says: "Credit Agreement regulated by the Consumer Credit Act 1974", the bottom line states "Once you have signed the agreement, you have a short time to cancel it.Exact details of how and when you can do this will be sent to you by post by the creditor".
This would imply to me that these details should have been on the form for it to be an agreement.
I now intend replying yet again with this information.
Can anyone comment on this and more important, can anybody say if M&S have taken anyone to court on an application form?

Hi all,
Any help, pleeeeeeease!
Pat

Pretty please!
Pat

what do you expect them to say? We surrender. Not very likely.
The issue is in the covering letter - that they consider it compliant as a single document in more than one piece. But as far as I can see they have only supplied one piece - the application form and if that is all they have they have little chance.
BUT if this did get to court, what they would almost certainly try is to put in a set of T&Cs and try to convince the court that these were the "other piece", that they were contained within the sig document (even if separate) and thus compliant and thus enforceable. Whether the court would agree or not would depend on what they came up with in the way of T&Cs and how convincing they looked