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MBNA v's Soo43 - are these enforcable ????


Soo43
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would someone have a look at this and inform me if they are enforceable please????

 

many thanks

Northern Rock - loan - £6000

Beneficial credit card - £12+

GM Card - £13+

will have to look up the others have about 21 debtors totalling about £175,000

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th_letter090108both.jpg

th_agreement7873page3.jpg

th_agreement7873page2.jpg

Northern Rock - loan - £6000

Beneficial credit card - £12+

GM Card - £13+

will have to look up the others have about 21 debtors totalling about £175,000

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please please advise me someone

Northern Rock - loan - £6000

Beneficial credit card - £12+

GM Card - £13+

will have to look up the others have about 21 debtors totalling about £175,000

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Tough one because at the end of the day do you feel comfortable arguing the signature page and the page with the prescribed terms are not linked and part of the same document, they could be the front and reverse of the same form....

 

However there are clues and athough I cant read them I would bet that the MBNA address shown on the signature page and the prescribed terms has a different post code....you could argue that if they were from the same doc these would be the same

 

In Post 5 the prescribed terms page has a line in the photocopy that could be a crease in the paper so if this was the reverse of the signature page then this would show in that as well....

 

the T&Cs they have sent are from current terms as the default charge shows as £12 which was changed to this amount last year so these are not linked to the signature documents in any way...

 

You need to take a judgement on this as the unusual size of the signature page and the prescribed terms could be argued that they are the front and back of the same document......

Live Life-Debt Free

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