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Natwest Credit Card Application form - Is this an enforceable credit agreement??

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Hi all,


This is my first ever post so please bear with me.


I have searched the numerous threads on this and i am a little unsure.


After months of requesting my credit agreement from moorcroft debt collection (the horrid company that they are!) they gave me a natwest address to request my agreement from. Did so on the 7th july and recieved this letter back - http://i33.tinypic.com/n4fu3l.jpg


Along with:

the application form (all completed just removed my info) - http://i37.tinypic.com/2i8hvf6.jpg



a letter they apparently sent with my card (though no usual natwest letter head??) - http://i38.tinypic.com/viec77.jpg


with T&C's stapled to it - http://i36.tinypic.com/53v1vp.jpg


and a leaflet of their recent t&c's - http://i35.tinypic.com/eam7nn.jpg



Is all this correct? I origionally thought that their signature being missing was a problem but Im confused by all the info on here and would really appreciate opinions.


And if it is not enforceable any advise on a response/template letter would greatly be appreciated.


Thank you in anticipation...

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Hello and Welcome,


I've moved your thread to the Natwest Forum.






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