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.
When you apply for a credit and fill out the form is this classed as a credit agreement because it doesnt have details on apr on anything or when you recieve the card and phone up to make it active does this class as a credit agreement ?
When you fill in the form it would have to have the APR on it.
Under the Consumer Credit (Agreements) (amendment) Regs 2004, any agreement signed after 31.5.05 has to have the APR as part of its key financial information. If the APR is variable it would also have to state it too.
fingers crossed but what if you applied for your credit card before then ?
If the APR is missing as a "non-prescribed term" under the CCA the agreement would only be enforceable with the leave of the court as it is improperly executed.
Just a thought
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Originally Posted by liverpoolfan
