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Vanquis...very interesting! Comments?


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Hi all. What do you make of this?

 

My OH is now a huge CAG fan. I introduced her a while back and CAG has helped her (and myself i may add-thanks!) no end :) She often reads the many threads regarding DCAs and decided to try something...

 

As we always read and note on this forum-if DCAs or the OC has no valid CCA then the debt is legally unenforceable.

My OH had post a few weeks back from Vanquis asking if she wanted the CC'd-the usual application/letter. She filled in her details but did NOT sign-just to see what would happen.

Last Friday she recieved the card with a credit limit of £500! :eek:;)

 

This surely opens a can of worms. Have Vanquis shot themselves in the foot!!??

This being the case couldnt she use the money knowing that it could probably never be enforced as a debt?

She wont do that though (no matter how tempting!), she just wanted to see if these people would actually give her the option without signing.

 

What do you guys think??

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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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As I understand it, if the card was issued after April 2007, then they don't need a signature to enforce the debt in court but will rely on the history of the card use and a judge would be allowed to use this in allowing enforcement.

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