am i right that if the credit agreement is unenforceable then i have been wrongfully charged interest and charges from the time the card was opened by bos? I really need some help on this please.xx

can anyone put me right on the sending of current terms and conditions when i have requested the original ones,are they taking me for a ride?thanksxx

have i had unlawful charges and interest added since this account started with bank of scotland as they can only produce my application form?

a big thank you for your support today,i meant to ask....can they send current terms and conditions for a credit agreement request?

ok,thanks for all your time and help,time to go back to the land of the living and get ready for the school-run,thanks again fruit xx

you`re gonna think of me as a cheeky cow,but how do i word my letter to TPF,i know it depends on what way i go.so do you think it`s an application form? should i have signed some terms and conditions,just out of curiousity,and if i go the other route,i`m as thick as two short planks when it comes to percentages,I`ll havta send for all my statements won`t i ? ooopps i`m waffling cos i`m nervous,sorry xx

on my last statement it says....purchases monthly interest 1.313% and for cash monthly interest 1.873% so i guess i have an apr of 15.756 for purchases and 22.476% for cash xx why are you asking me old fruit?

hello Tomterm,nice to hear from you again!!Thanks for that,the only thing that has my signature is that one page,nothing else and as for the date,i hent got a clue,sorry xx

http://i202.photobucket.com/albums/aa279/bighair_bucket/Jul03_03.jpg http://i202.photobucket.com/albums/aa279/bighair_bucket/Jul03_04.jpg http://i202.photobucket.com/albums/aa279/bighair_bucket/Jul03_05.jpg http://i202.photobucket.com/albums/aa279/bighair_bucket/Jul03_06.jpg this is everything they sent in reply to my CCA 1974 request,thanks for listening xx

hello Sequenci,i tried the photobucket website this morning and still managed to muck that up,i`m a right moron at computers,have`nt got a clue how to copy and paste and all that melarky,any help will be gladly accepted,i clicked on copy on photobucket but have`nt got a clue where it was copied to!! hello Tomtern,i wish i could get this fr***ing thing up,the stamp is a rectangle with the words...on behalf of TPF 02 feb 2001 then the signature david mccreadie,thanks so much for your help,both of you xx

only me:) well,what a turn up for the books,NOT!! yesterday i received my statement,they`re still adding interest but have stopped all charges,but they`re still gonna default me and sell my account to a third party!! Then today i receive my cheque back,but it`s the one that the postman lost,they`ve stamped it on the back REC`D PR 24 May 2007,so the gits had it all the time,and they`ve sent me another copy of my application form which contains no terms and conditions and no APR,this was faxed to them from bos on the 2nd july.Bos were nice enough to write my old account number on the fax and i`m thinking of sending a S.A.R request to them,as i have read somewhere,if the account is unenforceable(due to improperly documented credit agreement),then the charges and the interest were unlawfully added as there was no proper agreement,then basically bos had no right to charge me interest and charges,and because mbna are now liable for the account that they will have to put it right!!take care:)i have just found my "with compliments" slip and it says..please find enclosed a copy of your application as requested.....I`m banging my head against a brick wall,they know i`ve requested my credit agreement.

thanks for getting back to me Sequenci:p I posted another thread..am i being fobbed off?....i`ve tried for the past two days to get the info uploaded but have now given up!! the application form contains....principal cardholder details,employment details,financial details,cardholder payment protection,card protection,additional cardholder,tesco credit balance transfer,data protection act,your declaration...which says,i apply for a tesco credit card and pin to be issued to me.i accept and agree to be bound by the general conditions applying to the card as set out serperately,and the details about the card as set out overleaf and as may be amended from time to time etc,your right to cancel and signature box....however at the top of the form where it says apply for your tesco credit card today,credit agreement regulated by the CCA 1974.Issued by TPF ltd.there is a box with 3.9% APR but it does`nt state whether it is fixed or variable-should`nt it state what form the apr is? As the terms and conditions were seperate,how do i/they prove that they were the ones that i agreed to at the time,and the ones that they sent me are as they have quoted the current ones....i thought everything had to be original as at the time of signing?Thanks for listening!! if you`re ever in norfolk i`ll see you right for a pint!!

I`ll take anyones advise if they can help me xx

anyone got any advise for me please XX

mbna took over my bos card,i requested my credit agreement,and mbna sent me my bos application form which contains no terms and conditions or apr.....i sent my s.a.r. to mbna which was signed for the 11th June,do I now need to S.A.R bos to see how much unlawful interest and charges were added by them? I have read somewhere on this amazing site that if the agreement is unenforceable the creditors had no right to add any interest or charges,is this right?thanks for your help xx

i have been advised to ask you this question...what is the final decision on stamped signatures,do these stand as a proper binding signature,thanks for your time and help:oops: xx

hello Yaff,i`ve still not heard anything,i heard from TS,they wrote saying that i had accepted their offer of paying through their DCA...I said "on yer bike lady",so am still lurking in "no-mans land",how are you getting on?hope you`re fine,take care,Trojan xx:)

Thanks for getting back to me,i will do my best at uploading the letters but don`t hold your breath!!I`ve tried to send as attachments but they don`t come up big enough and i have`nt got a clue what an url is!! My main query is the stamped signature and the lack of terms and conditions.If they`re not on the application form,how do they know what terms and conditions i agreed to,also the woman said she`d sent a copy of the current terms and conditions,i thought they had to supply the ones relevant to my agreement,and then you have the same question,how do they know what the original terms were if they`re not attached to the application form,my form also says...apply for your tesco credit card today,detach and moisten before folding!!!

I wrote to tesco personal finance for my credit agreement,they sent me back my application form,this does not contain all the prescribed requirements,the terms and conditions have been sent on seperate pieces of paper so I don`t know if they`re what I agreed to or not.The application form contains the amount 3.9% APR in a little box but there are no terms and conditions on the form,as i say these are seperate,and the signature for them looks like a stamp,a rectangle with the words on behalf of TPF 02 feb 2001 David McCreadie,where I have signed and they have signed is two different textures of ink,does it still stand as a signature if it is a stamp version? I know this is an ongoing debate for lots of people but I really need some help as when I first fell behind I was`nt over my limit but after the charges kept being added needless to say i went over then got charged for being over my limit,me being totally ignorant to the world of unlawful charges,rolled over like a "good dog" when they defaulted me cos i thought that was what i should do,now i`m learning and want to bite back,please help.Or should I stay where I am as they have accepted a lower payment,which runs out next month. Now i`m TOTALLY confused,have just re-ead the letter from TPF and Miss Bennett states that.....in terms of CCA copy document regulations,the "true" copy requirement can be satisfied by providing a copy agreement(they sent my application form with no terms and conditions on it) at the date the card agreement was made and providing thst plus a copy of the CURRENT terms of the card agreement.:o is this right?

thanks for that,i feel a right plonker!! Keep the faith,you into Northern Soul,I have`nt heard that quoted for a long time ??!! Do I have to be kind and allow for any delay due to the postal strike or is it tough s**t and count the days regardless?? They`ve not shown me any remorse so i really don`t feel like showing any back!!Bye,take care xx:lol:

hello PT and Powelll,thanks for being there,some days you just lose the will to fight and then come along me old muckers and build my confidence back up,one question though,what does IMHO mean?Thanks again xx

somebody please help me,I have received two e-mails today from mbna,one said...we would much rather come to an agreement with you directly than take further action however,you are leaving us with no choice.Due to the regulatory requirements we will be forced to Default your account,which will remain on your credit file for six years.A Default does not relieve you of the responsibility to repay the debt,which may be legally assigned to a third party for collection.......second one said...please telephone steph bordas on 08000924297,extension 14674 as a matter of urgency regarding your mbna issued credit card.THIS IS NOT A SALES RELATED CALL from paul brighton,section manager customer assistance. I still have`nt received my credit agreement only an application form and i`m waiting for my S.A.R. I have written to then that I will not correspond to their bullying letters but only to the ones that address the issue. but now they`ve ****ed me off,they will only correspond when told to do so by the FOS,so are the FOS telling them to harrass me??? only kidding,aaarrggh when will they stop?? Has anybody got a letter i can get them by the balls with?can they default me without an agreement? head is spinning again!! a big thanks for the support xx:(

Hello Yaff,have sent a copy of your cca letter to Mr Newton-Jones,chief executive.Asking him for a final response and what he intends to do with the account after his employees have set embarrassing,irresponsible and illegal stanards for his company..and how the whole situation will effect his companys reputation!!take care xx

I was sitting back and counting the days,when I get an alert from credit expert(experian) and someone has been accessing my files.No surprise really it was MBNA,I has sent a letter on the 12th june quoting section 10 of the Data Protection Act,and the fact they have no right to process or view data on myself untill they provide the agreement that says they can.....they still have only provided an application form and still not complied with my S>A>R(both requests have been signed for so they can`t deny).Then the w*n*e*r* send me a lovely pink letter with a pink piggy bank on asking me if this could be my new best friend???Then all the normal gumf about taking me to court,pay directly from wages etc...I really want to tell them to take me to court but in my letter I said I would not respond to their bully letters and would only correspond about the "lack of agreement" issue.....I have until 9pm on fri 27th june or they MAY(that`s their trick word)take the necessary actions....why keep threatening me,they`ve been doing this for months???I will send a copy of the pink letter to the OFT,TS and FOS,how can letters like this be allowed??OOhhhh my blood is boiling,God help Matthew McGrath,his downfall will come one day....I`m off to find some chocolate!!!!:evil:oops nearly forgot,experian tell you to question anything on your file that isn`t right so I put a complaint in about MBNA not having consent to process or access my file,so will wait to hear what bull mbna tell them,just a quickie...will mbna have to prove a credit agreement to experian if they request it?? BYE xx

hello Powell and PT,thank you for your replies,now i know both letters (cca and s.a.r.) have been signed for ,I`m gonna count the days down and wait for my next move.....thanks again,take care xx