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CCA agreements application forms etc


gaz2006
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Hi Can anyone help have asked for copies of credit agreements for credit cards and have got back as follows

1

American Express application form but it does say Credit agreement regulated by the consumer credit act 1974 near bottom of page says "please read terms and conditions overleaf " there is nothing on the back there is no interest rate charge details limit etc and a box which says Authorised by Amex is not dated or signed

2

American Express second card Says pre approved application again says half way down credit agreement regulated by cca 1974 agian no interest rate box for american expresses signature blank says no terms and conditions

3

Barclaycard Says credit agreement regulated by cca 1974 not signed by me in right place ie I ve signed in date box and dated below that signed by Barclaycard atached are terms and conditions but not sure if they were applicabel a time as they are just attachments etc

4

Barclaycard second card

as above but this time not signed or authorised by Barclaycard

5

Barclaycard third card

as above says application saying this is agreement regulated by cca act 1974 but not dated by me no signature from barclaycard no interest rate no limit .

Can someone tell me on each case whether these are executed proper copy agreemnt sor application forms and whether all or any are valid or not valid

 

regards Gaz

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