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First Direct CCA - is this enforceable?


JK36
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Can anyone advise please?

 

This is an application form with terms, no idea if the same document, and its all they have as it came via SAR, so I just need to know if it is enforceable or not before working out what next.

 

http://i625.photobucket.com/albums/tt331/Diz36/scan0037.jpg

http://i625.photobucket.com/albums/tt331/Diz36/scan0038.jpg

 

 

Many thanks

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This is an application form and in my view Page 1 of 2 pertains to the photcopying, not a link to Page 2 of 2, which is the Terms and Conditions and has the precribed terms for an agreement contained within it (reference to a credit limit, interest rate and repayment schedule, which are required to be in the same section as the signature box). The question you need to ask yourself is: what would a judge decide if it went to court? I personally would argue it is an application form and there is no link between it and the Terms and Conditions.

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