Cabot cca recd - (enforceable) agreement or application form?

[mysticpols06]

Hi peeps, please pretty please could some1 with some savvy offer advice & opinions on whether these are enforceable or whether it is simply an application form which i am kinda thinking it might be?

Many many thanks, Mpols x ps. I have other thread with full details of the situ if need to see it (not sure how to merge them). x

[Pinky69]

In my view it is an application form. The prescribed terms ie the interest rate, a reference to a credit limit and a repayment schedule, are probably in the conditions section, which I cannot read, but they must, in accordance with the Consumer Credit Regulations (Agreements) 1983, be in the same section as the signature box.

[mysticpols06]

Thanks for your comment - thats kinda what i thought too - Has got things like "we cananot process your application without this info" and "application ref" etc printed on it by is soooo small & really quite bad copy that i think it is prob intentionally that bad so that they hope i can't determine which it is, the agreement or an application! Thanks again, Mpols x

[silverfox1961]

Subbing

[ScabHunter]

Everything they have sent you is completely illegible, which means they have not complied with your CCA request.

 

Even if they were able to comply, which I seriously doubt as Sharklycard seem to use their agreements to save on their toilet roll bill, I would be amazed to find any prescribed terms on the signature document.

 

Not only unenforceable, but unenforceable at multiple levels.

 

SH

[silverfox1961]

Everything they have sent you is completely illegible, which means they have not complied with your CCA request.

 

Even if they were able to comply, which I seriously doubt as Sharklycard seem to use their agreements to save on their toilet roll bill, I would be amazed to find any prescribed terms on the signature document.

 

Not only unenforceable, but unenforceable at multiple levels.

 

SH

 

 

I think that says it all mpols

You know what to do now dontcha

[mysticpols06]

WOO HOOO!! Thankyou for clarifying SH- Have been bit concerned the last couple days i think more due to my lack of confidence in calling it right or wrong - Doh! So do i ignore them completely now or send them the template i have seen (somewhere) which starts "i am glad you have sent me this & claim it is my agreement etc etc" (something like that i think).

Thanks so much again Mpols x

 

PS. AM Not sure how to merge this thread with my other - sorry if is confusing to peeps

[mysticpols06]

Doh - Have to spread reps around b4 can tickle ur scales again, soz SH! x

[ScabHunter]

Doh - Have to spread reps around b4 can tickle ur scales again, soz SH! x

 

That's the second time in two days somebody has posted that!

 

Never mind, I do appreciate the thought. Actually, I'm not doing too badly at the moment for rep points. I've just got my third light green blob and I am under a hundred points away from being called an "Authoritative" poster.

 

Who would have dreamed that when I signed up in September?

 

SH