CreditCards Blog

hi, is it correct if a credit card agreement was signed at the wrong place, the agreement becomes invalid.. thx

hi, is it correct if a credit card agreement was signed at the wrong place, the agreement becomes invalid.. thx
Is it correct if you signed your savings account form in the wrong place your money now belongs to the bank?

hi, is it correct if a credit card agreement was signed at the wrong place, the agreement becomes invalid.. thx

prob not..but where did you sign it? and did they not notice

hi, is it correct if a credit card agreement was signed at the wrong place, the agreement becomes invalid.. thx

Are you referring to the physical location in which you signed the document i.e. at home or in a branch?

The reason I ask is that an agreement signed on the premises can be classed as non-cancelable i.e. you don't have a cooling-off period. In practice though, I think many card issuers do allow you cancellation rights even if you sign in a branch.

If you took a non-cancelable agreement home to sign, then I think this may call into question whether the agreement is enforceable.

The first step is to write to the lender asking for a copy of the agreement.

I would expect a lot of noisy moralising on this subject from some forum members. I see PROLIANT has already started the ball rolling with his particularly fatuous question.

In my experience, OPs don't typically get a great deal of detailed practical advice on this subject here. I would suggest that you take a look the Debt Free Wannabe Forum or http://www.consumeractiongroup.co.uk/ and the forums there. Do check back and let us know how you get on though.

I would expect a lot of noisy moralising on this subject from some forum members. I see PROLIANT has already started the ball rolling with his particularly fatuous question..

I asked a question, was not being noisy (yet) ;)


In my experience, OPs don't typically get a great deal of detailed practical advice on this subject here. I would suggest that you take a look the Debt Free Wannabe Forum or http://www.consumeractiongroup.co.uk/ and the forums there. Do check back and let us know how you get on though.

Good advice, get on a bandwaggon that will listen to such drab.

I asked a question, was not being noisy (yet) ;)

It was obviously a rhetorical question. I didn't actually accuse you in particular of being noisy, although we both know that you most certainly can be. I accused you of being fatuous - your silence in response to that accusation is telling.

Good advice, get on a bandwaggon that will listen to such drab.

But we wouldn't want to spoil another lively debate now would we?;)

It was obviously a rhetorical question.
Spot on


I accused you of being fatuous
Stupid I am not, out spoken maybe.


your silence in response to that accusation is telling.

Come on now Bert...or Ernie, can never remeber which one you are, must depend on the mood, give me a chance to reply.



But we wouldn't want to spoil another lively debate now would we?;)
Are we on tonight then? :confused:

Are we on then tonight? :confused:

Probably not, its no fun unless you loose your rag - you seem to have calmed down recently. Maybe later though, when you've had a few beers perhaps?


On a serious note, I know we like to engage in a bit of silly banter over this subject, but I really don't think we'll ever actually change each others minds. In that sense its pretty pointless us sniping at each other. We should probably wait to see what others might have to say before continuing with this exchange.

PS you can call me bernie if helps

No beer tonight, next Saturday I am out in Newcastle for a few beverages but will not be playing MSE when I get in, one thing I have learned is that losing my temper on the forum is not the way forward therfore I have changed my tactic's.

No beer tonight, next Saturday I am out in Newcastle for a few beverages but will not be playing MSE when I get in, one thing I have learned is that losing my temper on the forum is not the way forward therfore I have changed my tactic's.

I can relate to that. I've found the odd thread appearing in my subscription list when I don't even remember posting into it:o

prob not..but where did you sign it? and did they not notice

hello, it was signed at the branch about 8 years ago, but at the wrong place ( 2nd card user ). Will this make a difference. thx

hi, the agreement took place at the branch about 8 years ago. the agrrement was sent back to me to resign cos it was signed at the 2nd card user......ihave not resign or send it back. thx

Personally I think this sounds as though the CCA is not valid which means the debt is unenforceable.

But you will get flamed for trying to get out of paying your debts by certain posters who frequent these boards.

Personally I think this sounds as though the CCA is not valid which means the debt is unenforceable.

But you will get flamed for trying to get out of paying your debts by certain posters who frequent these boards.

I concur with NickX.

first step is to request a copy of the agreement under section 79 of the Consumer Credit Act. How they respond to this is a good indication in itself - they will probably try and fob you off with a copy of a blank application form and some generic T&Cs. If they they think they have a valid agreement, then they might just as well send a photocopy of it - after all, they will need to produce one in court anyway if it gets that far.

Thats the first step. Where you go from there depends on many factors - most of all your appetite for a fight. It wont be an easy ride - if you stop paying, the WILL harass you for the money, be in no doubt about that.

I wont deny that there is a moral view on this. You need to decide for yourself if you think it is the right thing to do. You may choose that you would prefer to continue paying, or trying to negotiate a payment plan or some other kind of debt remedy. However, knowing you have an unenforceable agreement puts you in the driving seat for those negotiations.

I would refer you back to my previous post where I suggested you might like to look at the DFW board and the Consumer Forums - this advice still stands.