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gizmo7

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About gizmo7

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  1. Can anyone shed anymore pearls of wisdom on this one Gizmo7
  2. I see what you mean but i have received what they believe to be a copy of the agreement but it is illegible in places. Gizmo7
  3. Hi everyone, I need a little bit of advice regarding an illegible CCA. I CCA'd Halifax under section 78 (1) of the 1974 act. I received in response to this a signed priority application form dated 1998 and T&C's which are apparantly on the reverse. As parts of both the application form and T&C's were illegible i wrote back quoting Regulation 2 (Legibility of notices and copy docs). In reply to my request for a legible compliant copy of my agreement they supplied a blank copy of an application form dated 1996 which is differently laid out than my original and further T&C's whi
  4. Hi Steve, The signature is legible its other parts that are not for example the Cap one application info under Consumer credit agreement is totally illegible. 2007 T&C's are supplied on 2 seperate sheets which show apr etc are legible but seperate from the signature doc never the less. The MBNA one has patches of illegibility on both the application form and seperate T&C's. Gizmo7:rolleyes:
  5. Thanks you have been a great help. Gizmo7:grin:
  6. thanks a lot, i will wait and see what their next move is. Lastly if they do go for court will this be in my local court. Thanks Gizmo7
  7. Cerberusalert, Trading stds did not seem to be aware of Regulation 2. Furthermore he reconed if it went to court the Judge may rule in their favour. Whats your take on things as they stand and what further action should i take if any. Trading stds advised me to futher contact MBNA even though they have not written to me since the start or March. Thanks Gizmo7
  8. Cerberusalert, I forgot to mention cabot advised in a letter to me they didn't have to provide an original true copy if it no longer existed. I assume the original was shredded and this is a computer copy Gizmo7
  9. Cerberasulert, Both these application forms were supplied with seperate terms and conditions showing things like apr etc. MBNA have sent 3 blown up copies each time i complained they got bigger but the same area's were illegible. When i mentioned the T&C's should be within the four corners of the page they sent a photocopy of the application form with the seperate T&C's on the back (double sided photocopying). Cabot advised the capital one Application would have been legible when i signed it indicating it didn't need to be now. Trading Standards were very negative saying they had
  10. Hi, cerberusalert, I made a complaint to the OFT and Trading stds. Trading stds advised me that credit card companies can supply seperate T&C's and up to date ones for that matter on running accounts. If these companies decide on court action how does the Regulation 2 fair in a court. Is it a valid defence in relation to illegible docs?? Thanks Gizmo7
  11. Hi Everyone, Need a bit of advice from one of you experienced people. Firstly can somebody advise me if 2007 T&C's can be used for application forms signed in 1998/1999?? I understood the T&C's were to be within the signature document and not on seperate sheets. Secondly, both agreements sent by Capital one and MBNA were illegible in places in particular the small print which i would assume to be the important bits if there was any in the first place. I have written to both companies quoting Regulation 2 (legibility of notices and copy docs) and advising them they have not
  12. Hello Everyone, Can anyone advise me on the following. My wife CCA'D halifax under section 78 (1) 1974. She received in response to this a copy of a priority application form. What is baffling is the heading has my name and my wifes' ie: postal address at the top includes both our names. Almost looks like an application for a joint card or something. Suffice to say i never signed it but my wife did. Can an application form with two names on it which has only been filled in and signed by one person be enforceable?? Also the application form and T&C's they have supplied are illegible
  13. Thanks for your input pt2537 and cerberusalert, What would you suggest i do now or should i merely sit tight and await further developments. They have advised a further escalation of collection activity in 7 days. I'm shakin in my boots! lol Thanks Gizmo7:rolleyes:
  14. dear cerberusalert, Are you familiar with the comment Cabot made regarding the Secretary of State and what does it mean?? Thanks Gizmo:confused:
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