allied international- enforceable debt?

[therafalution]

Allied finally provided a copy of the agreement for wifes credit card. Thing is it looks odd to me. this is what it says:

 

lloyds tsb classic credit card acceptance form and agreement.

 

wifes details

 

additional benefits

 

sign here for your card

credit agreement regulated by cca 1974

 

don't forget to take advantage of special transfer rates

 

wifes typed name.

 

bank sortcode agent id typed.

 

 

on a 2nd sheet of paper are the card conditions.

 

1 main financial paticulars

credit limit (see also5) -there is no 5

charges see 5&9 - ther is no 5 or 9

 

 

your payments

 

see7 -no 7

 

 

variations see 11 - there is no 11

 

 

there is no credit limit or proper signature from the bank, so is this enforceable or is it an application form? any help very much appreciated, thanks.

[debt4get]

difficult to say without sight of..but from what you are saying it sounds like an application form..does not contain all prescribed terms and therefore unenforceable

[therafalution]

Thanks for that, i am not technically minded so can't put it up, i have included all the main headings, the apr is nclede but that is it, they will be getting a nice letter from us in the next few days. cheers.

[harrassed senior]

What was the approx. date this card was taken out, as that would help us a bit with the possibilities.

 

Do you think this is the 'actual' Agreement your wife might have signed or is this a 'what it would have looked like' type thing.

 

If you have a scanner, we can help you with instructions to upload so that we might help you better.

[therafalution]

thanksn no i haven't gat a scanner, the date is june 2005. it looks like it was what she was signed but it does look like an application form. thanks very much, all help much appreciated.