Hi The capital one application creditors signiture was pre-printed on the application form, i have seen the same signiture on another posters form, it is in a broad ink , as if you used a flat highlighter to write it if you get me ,not a thin line signiture.

Hi I have posted this on other threads but no replys, back in 2006 there was a large thread running ,suggesting that all CCA,s were null and void ,because of section 85 cca, main contributor was the "terminator" , cannot find any thing about what happened in legal circles about this , also the terminator does not seem to be around anymore.

Hi You can see the natwest application debt action group -natwest posted " 30th sep @13-10 pm from "dozy", the capital one application i will try to get posted , but the application form has a printed creditors signiture on it and mine , but no T&C,s anywhere, will try to send later. Also I notice that the natwest one has me as self-employed and repayment protector ticked and a single year card protection for £15-00. The capital one application has me ticked as self employed and employed That i think is because i worked for an agency ,as self employed , but my taxes were deducted via a inland revenue cscs card, also on form i can see above these box,s a "see attached notes" written in by me. the application closing date 11th august 2003, it was also headed application certificate 7813, i made my application july 2003

Hi What happened in the end on this thread ,did we win?

Hi Sorry ,my finger appears to be suffering from dementia.

Hi Back again with the same old storey, I have received two purported CCA,s one from capital one, which is clearly an application ,nothing else sent , and the other was Natwest, again clearly an application , and a host of other papers, the main letter satsblah ,blah ,thanks for your letter on blah, received blah with fee blah, then in terms of CCA copy documentregulations, the "true" copyrequirement can be satisfied by providing a copyof the currant termsof the copyagreement at the date the card agreementwas madeand providing that plus a copy of the current terms of the card agreement. this is not legal is it, there are no t&c,s on the application form.

Hi I have been looking at the S85 topic (very long ) but this was from as far as i could see back in 2006, Did we win on the unenforceable CCA thing, It topic generated a huge amount of conversation , Mr Terminator the leading exponent , is he still around , or have they locked him up in tower!!. Dozy

Hi I have received a Supposed CCA from capital one, which is clearly a mailer application and not in my view a CCA .. There are no terms amount etc APR etc as they cannot set those till they receive the application form right. I only received this form and a letter that they will not write off my debt on health grounds ,Capquest are the people holding caps debt.

Hi Since 5 cca,s, were sent out, only received one reply and i have my doubts on that one, Anyway all the others are out of time by at least 2 weeks, should i just enjoy my peace and quiet ,or stir them up some more.

Hi I might have asked these question in previous posts in different guises , I have five debts total under £8-000, a rather i did, a relly paid off a sixth debtor who i owed £3-400, with a full and final of £300-00, this came out of the blue without been asked for. Now back to the other five, CCA,s have been sent out ,about 4 weeks ago, only one natwest replied, and i have my doubts about that one, as it does not have within the four corners the amounts ,time and apr etc on the signed page, the page is headed ( credit card and agreement form,) with seal this side only above it. Right seeing as i not received any cca,s from the other four, and that an advisor has writtin to them for a right off on medical and health grounds and unable to ever work again ( i have not worked for the last four years ) and i receive disability benifit. i am 61. I have asked advisor to continue the process of default notices etc and then on to SAR,s, is this wise in the light of asking for a write off of debt , or would it just show i am just following the due process of law, would they mind or would they think i,m a pushy !!!, . What i am concerned about is that they could all do a runner to the courts for CCJ,s can they do this now at this stage. all this is taking a toll on me ,its affecting my health, apart from all my hospital appointments and examinations (67 so far this year), and 5 days cardiology last dec and a further 14 days jan this year, , i went yesterday without app for pain in chest and double vision ,which turned out to be a high INR on the warfarin ). But enough of me , please give me some welcome answers please.

Hi Thank you. Dozy

Hi I have now managed to upload image of the3 CCA natwest sent me view at http://i33.tinypic.com/11kfss4.jpg the very first line in case you cannot read it states moisten this edge to seal. then natwest credit card application and agreement form on a seperate sheet not signed or a signiture box visible are the amount ,apr etc, all other sheets are clear copys ,probably of a computor. thank you thankyou

Hi another failure again, oh "wheres the geek in me gone"

Hi here is the cca they sent me, the Apr etc was on a second sheet but no signiture or box for one. http://file:///C:/Documents%20and%20Settings/Gary/Desktop/natwest%20cca.bmp thank you.

Hi Forum On looking at some postings and helpful replys , i would like to ask you if the following is a postal application/agreement or would the branch bank use the same forms. however it seems from replys that it is not enforceable, so to be brief , the CCA natwest sent me is headed in very small print "moisten edge and seal", the form itself is not like any i have seen on this site ,and does not contain "in the four corners " the relevant details , well not all of them, no amount apr or term etc.. would the bank use that type of form, i relize i have got to get it on site for you to see but my brains getting old, .but i,ll get sometime!!. i am also have an advisor but i,m not an idle person to sit around druming my fingers waiting for news. What he,s done so far is to write to all my creditors asking for a write off on health grounds, and on my insistance ask for all the CCA,s , and only one natwest replied too, out of five creditors , even natwest was out of time, the others are now about two weeks out of time.. However i like to sort this natwest one out , or is it wise if I am going for a write off, so if natwest is out of time , and might not have a enforceable CCA, is it wise to do anything else ,like the next stage of the cca process "in default". I really could do with some help , .

Hi Dozy here again I have re-posted my post of yesterday for you to read until i can get image up on forum. Re: Nasty West cca response - not good enough? Hi I have received nat west CCA,s the first two pages are as post, Nomore Baloney Re: Nasty West cca response - not good enough?, my cca copys Ok but the third page on above post is not like anything my page has although it contains elemants of it first of all my page layout is nothing like the image on nomores post, very top small print says "moisten this edge and seal" THEN "NatWest CREDIT CARD APPLICATION AND AGREEMENT FORM. THEN READS OFF "for your information" and lot of small print. Box 1/. principle cardholders details, one of four card types ticked, gold mastercard. sub box. my name /address date birth/ mothers maiden name. box 2/. finanancial details, bank/code/date a/c opened a/c number. box 3/.employment and income. 4/. credit card repayment protector. box 5/. NatWest card protection. box6/. air miles. box 7/.additional cardholder details. box 8/. transfer and save. box9/. declaration and authorisation signiture box, headed "this is a credit agreement regulated by the consumer credit act 1974, sign only if you want to be legaly bound by its terms. All the other bits like APR etc are on a seperate page not signed and seems no place to do so.. the remaing 9 pages appear to be printed from a computer file as they are very clear. The bank statements are the very latest ones. how do you read or see this as.

Hi Sorry cannot make it work , I have posted a description of the cca they sent me , but it bears no likeness to nomores image, the first two images on nomores i have the same ,but not the cca image, mine is different in that i think its a postal agreement ,as it says at top of page seal hear along this edge, i have given description of what i have on my cca , but there are no aprs or credit limit on it , these appear on another page but no signiture and this and all the other pages are clearly generated from a computor in that they are very clear and neat. please read my post detailing this.

Hi I have received nat west CCA,s the first two pages are as post, Nomore Baloney Re: Nasty West cca response - not good enough?, my cca copys Ok but the third page on above post is not like anything my page has although it contains elemants of it first of all my page layout is nothing like the image on nomores post, very top small print says "moisten this edge and seal" THEN "NATWEST CREDIT CARD APPLICATION AND AGREEMENT FORM. THEN READS OFF "for your information" and lot of small print. Box 1/. principle cardholders details, one of four card types ticked, gold mastercard. sub box. my name /address date birth/ mothers maiden name. box 2/. finanancial details, bank/code/date a/c opened a/c number. box 3/.employment and income. 4/. credit card repayment protector. box 5/. natwest card protection. box6/. air miles. box 7/.additional cardholder details. box 8/. transfer and save. box9/. declaration and authorisation signiture box, headed "this is a credit agreement regulated by the consumer credit act 1974, sign only if you want to be legaly bound by its terms. All the other bits like APR etc are on a seperate page not signed and seems no place to do so.. the remaing 9 pages appear to be printed from a computer file as they are very clear. The bank statements are the very latest ones. how do you read or see this as.

Hi Thanks just tried Partley got it right, but cannot see how to get it into forum message, just living up to my nickname!!.

Hi I have been going through letters on this forum, and on looking at some nat west letters sent to other members, mine appears to be different to their copys. I wish to post my copys to forum for you to see yourselfs, but i need help in how to do it , i can copy and scan , but not sure about deleting personel items from my copy scans , so they can be sent to you.

Hi Again Sorry on looking at advisors email it says, It has been more than 12 working days since the request was made to the creditors. This means that they are unable to enforce the agreements until they provide/repsond to this request.. So that even nat west was out of time , but i now have the cca ,now what ?? dozy

Hi Its Dozy again , i have just received the first cca from my advisor , its one i thought i would get sharpish from nat west bank, I will look at it very closely later and the dates as i see them , are that advisor posted cca request on the 24 th august,and was received by nat west on the 25th august, the letter advising me of this cca from advisor was sent on the 14th september, but it doe,s not state what date they received the cca from nat west. Also advisor states they are awaing a responce to a waiver of the account (health). what do you see in this

Hi I have taken an advisor on (free on legal aid), He sent some CCA,s out but only one reply to date , all it contained was records of purchases, letters were sent out 12 or more days ago, my advisor thinks its a better option to go for the kill, IE: a write on health grounds , he has received my medical report from my doctor, and he says it should be enough, to persuade them to write my debts off. But I am thinking would,nt it be a lot easier to do the CCA thing , and see how many of the debts are valid any more. Then dismiss those debts. If they cannot produce CCA,s , what would the next step be, and depending on replys received take it to the next stage, which is ?? . Is a write off, of debts legal or not , just admitting you owe the money ,but cannot pay it for whatever reasons you give , and that the debts will always be still there, I have heard the creditors pass on debt to another company just as the door is closing on them. Please advice, i know i have an advisor , but I need cheering up!!. dozy

Hi You can get a blue badge without DLA higher rate , If you look at the application forms for a badge ,you should see it states you may be eligible for one , or look up on internet "blue badge" etc you should find the info about somewhere, I applied for one and stated on the form my medical conditions etc, , I waited a week or two then phoned them up asking if I had been granted one, and they said yes i had and that it was in the post, it came thro the letter box before I even put the phone down ,hows that for timing, Apparentley they ask your doctor to fill in a form like dla, and he stated i needed a blue badge. Two weeks later I went for A EMP medical examination at DLA offices, two weeks later I had my dla awarde low care , high motobility.and backdated too. great , so get in touch with badge people . Dozy