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Hi

My hubby applied online for accounts with GUS & Littlewoods. He placed an order for goods which arrived long before the agreement docs did. He has no recollection of ever signing & returning these docs.

 

We have prepared the CCA requests but just wanted to know if online apps without signed paper agreement means that they will be unable to produce a legally binding document?

 

The accounts are being chased by DCA's so we have also asked for proof of assignment to them as we have no record of NOA's.

 

Your comments/advice would be much appreciated.

 

Thanks

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Hi,

 

It depends on when you applied for the account.

 

As The Consumer Credit Act 1974 (Electronic Communications) Order 2004 came into force in December 2004 any online agreements entered into prior to this date still need a signed executed credit agreement.

Electronic signatures weren't considered valid until this date.

 

So after December 2004 a 'tick' in the box would do.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Sadly for us, it was after 2004 :( but I don't understand why they would then send out the agreement forms for signing?

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Hi,

 

Sorry, I'm not sure either, here's the order...........

 

The Consumer Credit Act 1974 (Electronic Communications) Order 2004

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 weeks later...

CCA sent 22nd July. Letter back today confirming they can't find agreement 'but we enclose a copy of the current agreement which applied to this type of account' blah blah.

 

Sorry but no agreement = no more of my money :grin:

 

Account in dispute letter to be posted to L'woods & NDR on Monday & todays letter being kept in a VERY safe place just in case some other DCA tries it on :-)

 

Thanks caggers - couldn't have done it without you. Donation made :-)

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Good stuff :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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