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Halifax credit card agreement

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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 which are not fully legible either.

They aknowledge in their covering letter that on reviewing the copy application form some parts are difficult to read. They however advise the signature box is legible and there is no doubt that the original document at the time of signing would have been clear and legible. The fact the copy is poor does not invalidate the legality of the document.

They also advise they have fulfilled their obligation for a legible copy of my agreement under the Act by providing me with both historic and current terms and conditions, it is not a requirement under S78 to provide a signed copy application, however this was done as a courtesy.

For the avoidence of doubt i have provided a copy of a template application that is legible to show what you would have signed- this is a more recent application form and is for info only.

They advise this is a newer copy application but its dated 1996 and my application is 1998????

Can somebody please advise on the above and possibly give me a template return letter.



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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.


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