Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement

[monk_fish_]

In the absense of one from the bank Id like a copy asap........(unenforceability claim)

[Kati]

Re: Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement

Correct me if I'm wrong .... but surely if THEY cannot provide you with one, they cannot enforce the debt??

[monk_fish_]

Re: Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement

They can "re-constitute one" from the terms in existence at that time....so long as it is a "true" representation.

[Kati]

Re: Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement

They can "re-constitute one" from the terms in existence at that time....so long as it is a "true" representation.

So you're hoping to see a real one to compare to a reconstituted???

[FlamingParrot]

Re: Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement

Correct me if I'm wrong .... but surely if THEY cannot provide you with one, they cannot enforce the debt??

Debt's already been enforced, that's the problem. Once they have a CCJ they no longer have a duty to respond to a CCA request.

[Kati]

Re: Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement

Debt's already been enforced, that's the problem. Once they have a CCJ they no longer have a duty to respond to a CCA request.

... So what could the OP do now???

[FlamingParrot]

Re: Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement

... So what could the OP do now???

Try to find out whether the form he'd have signed when applying for the card would have contained the terms or not, hence the reason for asking about the agreements from that time. It's hard to remember exactly what happened 15 years ago.

[monk_fish_]

Re: Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement

Try to find out whether the form he'd have signed when applying for the card would have contained the terms or not, hence the reason for asking about the agreements from that time. It's hard to remember exactly what happened 15 years ago.

It would be great if you guys could compile a database of copies of Credit Agreements. This would be a great way of stopping the bank re-constituting agreements in their favour. And assist in the whole unenforceability debacle........along with the "terms were on the back excuse." Surely some of the more fastidious people out there made copies before sending.:tinysmile_twink_t2:

[FlamingParrot]

Re: Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement

It would be great if you guys could compile a database of copies of Credit Agreements. This would be a great way of stopping the bank re-constituting agreements in their favour. And assist in the whole unenforceability debacle........along with the "terms were on the back excuse." Surely some of the more fastidious people out there made copies before sending.:tinysmile_twink_t2:

That sounds like a good idea, :clap2: I think other forums used to have them.

[Amethyst]

Re: Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement

We have one http://www.legalbeagles.info/forums/...ements-Library

[Amethyst]

Re: Please post a copy of a 1997, 1998 or 1999(pre August) Nationwide CCard Agreement



From http://www.consumeractiongroup.co.uk...=1#post2385645 not sure of year

Have a Google image search tho that usually brings a few up