Ntiowide Credit Card CCA

[sams88]

HI All,

Am new on here today & need some advice if possible.
Fell into arrears with Nwide CCard after losing job & having a drastic drop in wage, came to an agreement to pay £78 per month.
They then passed to KPR & now seems to be in the hands of Shoosmiths solicitors.
Requested copy of CCA, have been sent credit card application & some T & C's........what is my next step!!!

All advice gratefully received!!!

[Curlyben]

Re: Ntiowide Credit Card CCA

Can you scan and post once you've removed personal details ?

[sams88]

Re: Ntiowide Credit Card CCA

Hopefully I have done this correctly!!
http://i834.photobucket.com/albums/z..._2009/sam1.jpg

[Curlyben]

Re: Ntiowide Credit Card CCA

Yep, complete and utter


Zero terms, so solid s127(3) ground there.

Have a read thorugh this thread: ~~~ Consumer Credit Agreements - A Guide ~~~~ inc. Letters - Legal Beagles

[sams88]

Re: Ntiowide Credit Card CCA

Hi CurlyBen

They also sent some terms & conditions with this.
As far as I can make out this is an application not an agreement??

[Curlyben]

Re: Ntiowide Credit Card CCA

Any T&C's are immaterial as the prescribed terms MUST be within the signature document.

[sams88]

Re: Ntiowide Credit Card CCA

I have written to Shoosmiths today advising of these issues, many thanks for the advice, I will let you what I get back from them.