Hello! After a number of years of being quite affluent, banks and staff have brought us to our knees! Even in the better years, banks (whether it be bad credit card agreements, poor paper work or charges), have taken money in unlawful penalty charges periodically. Even further, so called 'privilege accounts' with a direct number to call for a banking manager failed to make life any easier. They failed to call us with any issues. A service which we paid for every month (NatWest take note!). Credit card companies are unable to provide 'Credit Agreements' and only supply 'Application Forms', on request. Companies who supply business loans are rather 'laxed' when it comes to paper work. Constant phone calls, often quite rude, when _they_ are in default of the Credit Consumer Act of 1974. I have also come across organisations (?!) who supply goods before an agreement is in place (in-laws)... As far as I am concerned, if the financial organisations of this country can not get their own affairs in order, then 'on their head be it'.

Hi, Been a member since early 2007, after looking for information on Axxess International (offshore pre-paid credit card) who are sitting on _our_ money... Then found the legalities CCA 1974 concerning CCs (of which Axxess was not signed under). Anyhow, Axxess is a different matter, they owe us. But, after a couple of business failures (you cant trust staff, seriously - now in the hands of the police!), our income dropped through the floor and a number of 'so called' creditors' started demanding money. MBNA are one, for three cards (2 for the wife and one is mine). I requested my 'executed agreement' and got back my application form. Likewise for the wife. I then, after over a month, informed them of their error and was told that they had fullfilled their legal obligation. They are still phone constantly, sometimes they are not very pleasant either! My real question(s) are : 1) is an application form _definately_ not an 'executed agreement'? 2) is what appears to be an agreement, when it states further checks may/will be performed, still an 'executed agreement' (not MBNA)? 3) does a business loan, for a partnership, is signed by ownly one party, still classed as an 'executed agreement' (once again, not MBNA)? 4) on behalf of my in-laws, if there is the supply of goods without the agreement actually being signed, what is their legal rights? Sorry for all the questions... Off to make a contribution to ensure this site lives!

Yup. We had to Axxess Liberti credit cards, which were ideal when in the USA (as they were USD instead of UKP based). We got these in around 1999; and the last time I tried using it was in the USA in July 2004 - and it didnt work. I have had a number of email conversations with a lady called Janet (I think) who although was no longer employed by Axxess UK, still tried to sort out some problems. It is almost 3 years since the cards were stopped by the US goverment; and as yet no money has been reimbursed.