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Are these CCA's enforceable? Any advice gratefully received

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Hi - I'm new here so any help would be great.


In short my BF has been on long term sick and his pay has now been reduced and he is struggling to pay his creditors. All of them have accepted reduced payments except Barclaycard who to be honest just ignore every single letter that they are sent. So, after reading through some of the threads on this site he asked them for copies of his CCA's.


They have now sent some things through and I'd like to know if they are enforceable or not? I think the Mastercard one may be in that it has prescribed terms and conditions on the same page, but the Visa one may not be as it just looks like a mailer application form to me. They also sent some 'Conditions of Use' as well.


Any help and advice anyone can offer would be much appreciated.


Thanks, Sallybananas



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Well the first one is clearly and application form that doesn't contain the prescribed terms.

The enclosed T&C are generally meaningless as the prescribed terms must be within the signature document and NOT as a seperate sheet.


Second one on the other hand does have the prescribed terms, so will be enforceable.

Be VERY careful whose advice you listen too

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