Is this credit card agreement enforceable!?

charitynjw

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#16

5th May 2016, 08:38:AM

Re: Is this credit card agreement enforceable!?

Originally posted by Spellkaster View Post

They did not provide the T & C's.
If you look at the end of the signed agreement, it refers you to the General Credit Card Conditions, & you appear to have agreed to them by signing the agreement.

Plus, the document has not been signed or executed properly by Halifax.
This is probably the 2nd copy which you returned (The 1st is retained by you); Almost invariably there will be a 3rd copy held by Halifax.
Also, since Carey, they only need to provide a reconstituted agreement, which would not have any signatures.

It says "agreement form", so that to me says its not a valid agreement surely!?
This has been the subject of many a debate; I've never seen it successfully argued by the debtor.

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