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B&Q aka GE Capital Bank


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Hi everyone, has anyone any info on the enforcability of a B&Q homeplan or Storecard agreement?

 

I have 3 such agreements all taken out before 2006, there seems to be something missing in the signature boxes.

 

Also, 'Your right to cancel shall not apply if this agreement is signed on B&Q premises' is on the agreements.

 

On 2 of them it states, 'Your Initial spend limit £xxxx' and on the other, Homeplan authorised spend limit £xxxx

 

Bearing in mind that 2 of them were those, 'Open to spend' agreements, ie. 9 months interest free, then whack the interest on if not cleared

 

Anyone?

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It would help if you could either scan or take a digital photo of the agreements and upload them to the website.

 

That way people can have a look at the agreements and give you advice.

 

It's almost impossible to say an agreement is/is not enforceable without seeing it.

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HI cattz,

 

For a running credit agreement to be enforceable it must have the credit limit (or how this will be determined) the APR and the repayments.

 

All three of the documents you posted do have all three of these things on them so they will be enforceable.

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