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credit card agreement


steve chester
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hi if a credit card agreement is not signed by both you and the creditor is it not legally binding, because a credit card company has stated that Reg 3 (2) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 allows that certain items may be omitted from such copies, including the signature box and signature; is this correct?

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As far as I am aware if you make use of the credit facility - for example, use the card for transactions, such usage can be construed as acceptance and can replace a formal signature. It could come to court if you dispute it, but it would be up to the judge to decide if your usage of the card equalled acceptance.

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hi if a credit card agreement is not signed by both you and the creditor is it not legally binding, because a credit card company has stated that Reg 3 (2) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 allows that certain items may be omitted from such copies, including the signature box and signature; is this correct?

 

I've made sure this problem doesn't arise.

 

Details here:

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