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Hi, from what basic knowledge I have picked up regarding CCAs the signatures (yours and theirs) would only be on one page of the CCA agreement, therefore the 2nd page could have been added at any time therefore unenforceable. The orginigals which I have seen are just one page so that you sign your acceptance of ALL of the document, so that if it was a copy it would still all fit on one page.
Hope this 1) makes sense and 2) answers the question!!
Red
Rory, can you clarify a little more please? I read on another thread (if I find it I will post the link) that because the signature was only on the first page that the second page could have been added by the DCA at a later stage, implying that the debtor had agreed those T&Cs, but maybe nver even had seen them before?!
Thanks Red.
Two Page CCA's are they enforceable ???
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