Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1

    Default Experts on Enforcable CCA needed

    After several months of requests and no response from BOS asking for a true copy of my CCA, the attached arrived today. I now haven't paid for 2 months so need some advice on whether to pursue this avenue further or start repaying. Please can someone give their opinions on whether this is enforcable or not ?

    I have another account with BOS so wouldn't be surprised if the signature has been photoshop'd but for now assume signature and date is original

    For a credit card I understand the prescribed terms to be
    B Repayments
    C Rate of interest
    D Credit limit

    My intital thoughts/questions are
    1. Does it matter that there is no bank signature?
    2. The APR in 2.1 states 13.9% APR but in 3.2 it is 13.94% pa
    3. There is no credit limit stated. Unless 3.2 statement "This is based on a credit of 1500 being borrowed..." applies? Also. the debt is 11k; way beyond any stated limit

    Any help with this would be greatly appreciated. Links documents are below

    Thank you,
    http://i890.photobucket.com/albums/a...er1_Page_1.jpg
    http://i890.photobucket.com/albums/a...er1_Page_2.jpg
    http://i890.photobucket.com/albums/a...er1_Page_3.jpg


  2. #2

    Default Re: Experts on Enforcable CCA needed

    Im sure that the bank also has to sign the agreement -
    you will need to get a paracute bank account opened up right away as they will take money out of your other account.

    how much is in charges and have they taken any money for Insurance as you have not taken any insurance out, this would make it unenforceable.

    you need to send SARicon to data information team along with 10 fee


  3. #3

    Default Re: Experts on Enforcable CCA needed

    Quote Originally Posted by RHOOD View Post
    Im sure that the bank also has to sign the agreement -
    I can't see anything in the CCA 1974, or 2006, that states this.

    Indeed, some people have had their fingers burned by suggesting this is a way to prove a cca unenforceable. It isn't.


    BAE


  4. #4

    Default Re: Experts on Enforcable CCA needed

    Quote Originally Posted by Blossomandebony View Post
    I can't see anything in the CCA 1974, or 2006, that states this.

    Indeed, some people have had their fingers burned by suggesting this is a way to prove a cca unenforceable. It isn't.


    BAE

    Sorry, did not mean to give any false info, I thought i had seen it in another post.

    As with any info I would suggest you double check any info received / given against the rules and regulations.

    I think if it is stamped by the bank this overrides the sig - sorry once again


  5. #5

    Default Re: Experts on Enforcable CCA needed

    Looks enforceable.

    An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />
    Winston Churchill
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